How to Save the Most Money on Car Insurance

May 20th, 2017 by Shawn Reynolds in Auto Insurance, Car Care, Insurance Basics No Comments »

 

Have you checked out your car insurance rates recently?  If not, it’s time you do.

Premiums for the same policy can differ by large sums from one agency to another. There are two billion car insurance quotes for different hypothetical motorists today. This is based on a research made by Consumers Report.

The group deduced that rates are progressively saddled with variables. These include credit ratings and profession as opposed to actual driving history. There’s also a great deal of deviation in prices. This means affordable auto insurance in Georgia is different from those offered elsewhere. Thus the importance of doing your homework before insurance shopping.

How to Save the Most Money on Car Insurance

Looking for the best auto insurance may seem overwhelming at the onset. But, if you do your homework beforehand, you can find the best insurance deal for you.

1) Look for a reliable source for insurance quotes

There are two basic ways for you to compare quotes online:

  • From auto insurance websites.
  • From sites that allow quotes comparison from several agencies.

Both are practical options. However, the second is more effective and less time-consuming.

2) Have a clear insurance budget

Before shopping, make you sure you set a realistic budget. The rate isn’t the only variable in choosing a car insurance policy. However, if you go with a plan you can’t afford, past due payments may lead to policy cancellation. An ensuing lapse in payment may lead to penalties like a higher rate in the future.

3) Round up your information

When comparing quotes, you need to provide personal and vehicle information such as:

(Personal)

  • Name
  • Address
  • Social Security Number
  • Date of Birth
  • Marital Status
  • License Status
  • Past Insurance History

(Vehicle)

  • Type
  • Year
  • Model
  • Zip code where the vehicle stays overnight
  • Names of possible drivers to be added to the policy

Get copies of credit history and driving record, too.

4) Choose which protections you need.

The majority of the US states needs some sort of liability insurance from you. This can be a liability policy or an evidence of financial responsibility like bonds. They also require you to get collision and comprehensive policies. This is especially true if you still pay installments to own the vehicle.

From then on, it’s pick and choose. A few of the most common types of coverage include:

  • Collision
  • Comprehensive
  • Uninsured and Underinsured Motorist (UM/IM)
  • Personal Injury Protection
  • No-Fault Insurance

A skilled agent can assist you in weighing which coverage is ideal for you and your budget.

Doing your homework before shopping will tremendously help you get the best deal.

Check out our page for more information about affordable car insurance in Georgia.

 

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Shawn is the CFO and Co-Founder of Signature Insurance Group. In addition to his being raised in a family whose involvement in the insurance industry stretches back six generations, he has personally been in the business since 1999.

Shawn enjoys spending time with his wife, Holly, and three sons, Braxton, Hudson, and Maddox.

Shawn can be reached at Shawn@SIGWinder.com.

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