Car insurance is one of those pesky yet unavoidable expenditures vehicle owners must have. It slices away a part of your budget to financially protect you in the event of a car accident.
The latter part is a good deal. The problem with most auto insurance policies is the coverage cost. Insurance rates for drivers and motorists vary depending on several variables: age, driving history, credit history, and vehicle model to name a few.
On a positive note, most US states require a minimal baseline rate for car insurance policies.
Getting affordable car insurance is possible. In Georgia, whether you’re living in Winder, Commerce, Covington, Monroe, Greensboro, or Madison, you can save money by cutting down your car insurance rate. Here’s how:
1) Compare Quotes
When your current car insurance policy is about to expire, get insurance quotes from different agencies. Tons of vendors can provide you with a more affordable car insurance offer. You just have to be smart in shopping for quotes. Communicate directly with an insurance agent and ask for a quotation.
This is particularly recommended if you have unusual circumstances that an online calculator can’t factor in. Having said that, it’s also important to check multiple insurance websites and get quotes from them.
From your various options, choose the one that can help you save money and still have your back if you need to use your policy.
2) Tie Up Multiple Policies
If you think about it, having different policies from different vendors can be quite confusing, especially in times of payment. It’s infinitely better to work with a single insurance provider: one, because all your needs will be handled by one company; and two, because most agencies provide discounts if you combine multiple policies.
Car insurance vendors typically offer up to 20% for drivers who tie up their auto insurance with homeowners or health care policy. Sometimes, you can even get discounts for every policy you combine.
When you choose this route to save money, make sure that the other policy is something you need. Ensure that combining two policies is more advantageous and financially beneficial to you than dealing with multiple vendors.
3) Check for Discounts
Insurance coverage discounts are rarely applied automatically. Keep that in mind so you can periodically ask your insurance agent if you’re eligible for an auto insurance discount.
Don’t wait for your provider to inform you about reductions and such since vendors seldom give notice about markdowns to everyone. Also, they rarely have enough information to assess if you can participate. So the most straightforward way to do it is to ask.
Once you’re told that your coverage is qualified for a discount or a rebate, make sure that it’s noted on your record and billing statement.
Affordable car insurance in Georgia is possible. You just need to be proactive and informed to check if you can cut down your auto policy to save money for other expenses.
Even a 2% or 5% discount goes a long way. Get smart and see how you can save more but still protect yourself.
For more information about car insurance, visit Signature Insurance Group.
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.