Free Guide to Spending Less for Duluth Car Insurance Online
Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, there are a lot of people in Duluth just like you who feel imprisoned by their car insurance policy. There is such a variety of car insurance companies to choose from, and although it’s a good thing to have a choice, so many choices can make it hard to find a good deal.
It’s a good idea to shop coverage around yearly because insurance rates change regularly. Even if you got the best price six months ago you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance online, so by reading this article, you’re going to learn a bunch of ideas how to save money.
Verify you’re getting all your discounts
Insuring your fleet can be pricey, but you can get discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but less common discounts must be asked about prior to getting the savings. If you aren’t receiving every discount available, you’re just leaving money on the table.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
- Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
- Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
- Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
- Resident Student – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.
- Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
- Drive Less and Save – Driving fewer miles can earn a substantially lower rate.
- Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
It’s important to understand that most discounts do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.
Smart Consumers Save More
It’s important that you understand the factors that help determine car insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with big savings.
The following are some of the factors companies use to determine rates.
- Discounts for multiple policies – Most insurance companies will award you with lower prices to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, you may still want to compare rates to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
- Do you know you’re credit rating? – A driver’s credit rating is a large factor in calculating your car insurance rates. Consumers who have high credit ratings tend to be less risk to insure than those with lower ratings. Therefore, if your credit history can use some improvement, you could save money insuring your by improving your rating.
- How your age affects price – Young drivers in Georgia have a tendency to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
- Don’t buy coverages you don’t need – There are a ton of extra coverages that you can get tricked into buying on your policy. Coverages like vanishing deductibles, accidental death and membership fees may be costing you every month. They may seem like a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
When should I talk to an agent?
When it comes to choosing the best car insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if you would benefit from an agent’s advice.
- What can I do if my company won’t pay a claim?
- Do I really need UM/UIM coverage?
- What vehicles should carry emergency assistance coverage?
- When do I need to add a new car to my policy?
- Why am I required to buy high-risk coverage?
- Why am I required to get a high-risk car insurance policy?
- Am I covered if I wreck a rental car?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Georgia car insurance information
Much more information about car insurance in Georgia is available on the website for the Georgia Insurance and Safety Fire Commissioner located here. Visitors are able to download brochures, find out which companies have the most complaints, and read enforcement actions against agents and companies.
The articles below may also help you learn more about car insurance in Duluth
Best coverage at the best price
When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.
In this article, we covered quite a bit of information on how to compare car insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a smaller regional carrier. They may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and GEICO.