{"id":672,"date":"2016-03-20T14:58:31","date_gmt":"2016-03-20T14:58:31","guid":{"rendered":"https:\/\/veloxinsurance.com\/blog\/?p=672"},"modified":"2023-10-10T17:38:19","modified_gmt":"2023-10-10T17:38:19","slug":"44-ways-to-save-money-on-georgia-car-insurance","status":"publish","type":"post","link":"https:\/\/veloxinsurance.com\/blog\/44-ways-to-save-money-on-georgia-car-insurance\/","title":{"rendered":"44 Ways to Save Money on Georgia Car Insurance"},"content":{"rendered":"

At Velox Insurance, there aren’t too many things we get more excited about than saving customers money on car insurance. That’s why we put together some of our top tips for lowering rates and getting more auto insurance discounts. If you’re looking to save money on car insurance<\/a> here in Georgia – read this first!<\/p>\n

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1) Raise Your?Collision Deductible<\/strong><\/h2>\n

Collision coverage pays for repairs to your car if it collides with another vehicle or object regardless of who is at fault.? The deductible is how much?you ?pay before the insurance company pays. ?If you?choose a higher deductible it saves on insurance but don’t do it unless you could?actually?afford to pay more if you have an accident!<\/p>\n

2) Take a Defensive Driver Course <\/strong><\/h2>\n

Almost every auto insurance company we work with at Velox<\/a> gives?a discount if you take a defensive driver class.? There are even online defensive driver courses you can take without?leaving?the house. ?Reach out to?your insurance agent<\/a> first to?make sure the course you want to take will give you a discount.<\/p>\n

3) Compare Rates From Many Companies <\/strong><\/h2>\n

Despite what they want you to think, no insurance company has the cheapest price for every driver.? Each company uses different rating criteria so if your friend saved the most with The General, it doesn’t mean you will too.? The only way to find the best car insurance price<\/a> for you is to get as many quotes as possible. ?At Velox Insurance we make it easy to get multiple car insurance quotes online<\/a> or you can contact any of our agencies throughout Georgia<\/a> to work directly with a licensed insurance agent.??Be careful of those?other websites that claim to offer lots of “comparison quotes”. ?All they really do is?sell your private information to anyone willing to pay for it.<\/p>\n

Is your auto insurance premium one of your larger monthly expenses? Here are the top tips you should consider saving money by switching car insurance.<\/a><\/p>\n

4) Pay Your Bill on Time <\/strong><\/h2>\n

Many insurance companies will tack on extra charges or remove ?discounts based on your payment history.? If you are late even one time after 30 years of payments, they might jack up your price so don’t miss a payment!<\/p>\n

5) Get Married <\/strong><\/h2>\n

Since married people?have fewer car accidents, most insurance companies charge single people more. ?If you got?married and didn’t tell your agent?you should let them know right away.? There may also be other insurance-related considerations based on this change in your life they will need to address. ?Here at Velox Insurance<\/a> we love anything that saves?clients money, but we don’t recommend getting married just to save?on car insurance – it may be a decision you regret very soon, and for the rest of your life!<\/p>\n

6) Improve Your Credit Rating <\/strong><\/h2>\n

Fair or not, most?car insurance companies base their rates to some degree on credit.? In addition to the other benefits you’ll get,?credit gets you cheaper insurance so do what you can to improve your rating. ?And if you have bad credit some companies will really overcharge you so it’s even more important to take the time to get many quotes<\/a> and find yourself the most affordable insurance.<\/p>\n

7) Pay For Your Entire Policy Upfront <\/strong><\/h2>\n

Since they won’t have to mail bills every month and it’s less likely your policy will be cancelled, most insurance companies offer a cheaper price if you’re willing to pay the entire 6 or 12 month premium at once.? Even if you have to use a credit card, the difference in premium could be substantial and you won’t have to worry about your policy lapsing.<\/p>\n

8) Be Honest About How You Use Your Car <\/strong><\/h2>\n

During the quoting process, many shoppers are tempted to “fudge” information about how they use the vehicles and may?actually cause the price to be higher.? For example most people believe a vehicle rated for “pleasure” usage is cheaper than one for “work” use.? While this may be true sometimes it is not always the case. ?In addition, misrepresentation of information during the insurance purchasing process can result in the denial of a claim when you really need the coverage.<\/p>\n

9) Buy a Safer Vehicle<\/strong><\/h2>\n

Although the person behind the wheel plays the biggest role in the safety of a vehicle, insurers do give cheaper prices to vehicles that perform the best in handling and crash testing. ?In addition to saving a few bucks, it might just save your?life!<\/p>\n

10) Setup Automatic Payments<\/strong><\/h2>\n

Since?it involves less paperwork and processing, many insurers give discounts for setting up your policy on automatic billing. ?Even if there is no?discount, automatic payments can help you avoid a lapse in coverage, which could cost you a LOT of money if it happens at the wrong time.<\/p>\n

11) Combine Policies in the Same Household <\/strong><\/h2>\n

If there is?more than one auto insurance policy?in your house, you may save money by combining them.? Doing the opposite may also be beneficial. ?It would be best to speak with a licensed insurance agent here in Georgia<\/a>?before making any moves like this.<\/p>\n

12) Shop For Insurance Ahead of Time<\/strong><\/h2>\n

Some?<\/strong>?insurance companies offer “early signing” discounts that save you money if you buy a new policy a week or more before it goes into effect.? In addition to this potential discount, the more time you have to shop around, the more quotes<\/a> you can get and the greater the opportunity to find the most affordable one.<\/p>\n

13) Drop Your Rental Car Coverage<\/strong><\/h2>\n

Rental coverage pays for a rental vehicle while your vehicle is being repaired for a covered loss.? If you could hitch a ride or walk to work for a month or two, or if you have extra vehicles to use or borrow you may cancel this coverage and save money.<\/p>\n

14) Install an Alarm <\/strong><\/h2>\n

Having a car alarm will almost always save you a few bucks on your auto insurance.? Don’t expect a huge discount, but it should reduce your comprehensive coverage.<\/p>\n

15) Buy a Home <\/strong><\/h2>\n

People?who own homes tend to be more reliable?clients for insurance companies so they often give cheaper prices to homeowners. ?We wouldn’t recommend?going?out and making an offer today, but if you are a homeowner and your insurance agent doesn’t know that give them a call today<\/a>!<\/p>\n

16) Buy the Sedan (vs. the coupe) <\/strong><\/h2>\n

All Honda Civics are not created equal.? Some insurance companies charge different prices depending on the submodel of your vehicle.? This means if you’re considering the added cost of an upgraded model, don’t forget to find out from the insurance company if it will cost you any more for the leather seats.<\/p>\n

17) Don’t Buy a GAAIP?Policy (unless you have to)<\/strong><\/h2>\n

If you have several accidents or tickets on your driving record, you may have no choice but to get a policy from Georgia’s?”assigned risk” program. ? Since the assigned risk is usually much more expensive than other policies, make sure you get denied from ALL the major carriers before resorting to assigned risk, we work with clients who currently have GAAIP insurance to get into more affordable policies<\/a> every day.<\/p>\n

18) Choose a Higher Comprehensive Deductible <\/strong><\/h2>\n

Comprehensive coverage pays for damage to your vehicle caused by anything but your standard car accident (theft, vandalism, weather, etc.).? Raising your deductible means you’ll have to pay more out of pocket if there is a loss, but you’ll pay less for the coverage.<\/p>\n

19) Don’t Get Traffic Tickets <\/strong><\/h2>\n

Does this really need to be explained?<\/p>\n

20) Ask About Occupational Discounts <\/strong><\/h2>\n

Depending on what you do for a living, you may be entitled to a discount on your policy.? Many companies give discounts to teachers, police officers, firemen, bankers, you name it.? If you don’t ask, you won’t find out.? Did you change jobs recently?? Call your insurance agent<\/a>?and ask.<\/p>\n

21) Buy Multiple Policies From the Same Company <\/strong><\/h2>\n

Most auto insurance companies that offer other types of insurance give a discount for having more than one policy with them. ?If you’re currently a customer of Velox Insurance for ?your auto insurance, did you know we also sell:<\/p>\n