Among the most common advice is not only to listen to family or friends but to seek professional advice as well. Just because your Uncle got a great deal on his 1969 Jalopy does not mean the same company is going to give you a nice rate on a new Ford Focus. Yet it is still shocking how many people will end up paying far more than they need to by doing exactly this. Having reviews from consumers is a great way to assess how a company deals with any claims but it is absolutely useless when you are looking for a policy.
Shop around
One of the simplest pieces of advice is to shop around early, be sure to compare rates as these will vary greatly from one insurer to another – However, getting Georgia car insurance quote is normally free so there should be no harm in having a look around. While you are in the market, consider your paperwork – do you have it handy?
Never guess at your rates on your car insurance in Georgia, always have them handy and make sure you can compare the two. All too often your guess will be far higher than the actual amount you are paying. You should also be prepared for questions about the vehicle you want to insure and your history, all these things are important and will help secure you a good premium.
Do not commit to a new policy until the old one is due for renewal! This is one of the worst things you could ever do. Cancelling a policy before its due to end can not only leave you with hefty cancellation fees and may also leave you with the sad realization that your original policy actually didn’t have such bad rates.
Consider the Vehicle you’re buying
This is one piece of advice that really should go without saying. If you are thinking of buying a new car or any other motor vehicle, this is going to be a very heavy factor in determining the prices you pay. It is considered a standard that a newer top of the range vehicle will be a far higher risk than a second hand motor for a number of reasons including the high possibility of theft. Many insurers will slap on far higher costs to vehicles with a high horsepower patio as well even if the vehicle is likely only to be doing around 30kph to the local mall, mainly because they have the potential to be a more serious risk. It would not matter how careful a driver you are – The more power a vehicle has and the newer it is – The higher the premium.
Consider your needs and what kind of vehicle is going to be right for you. Are you looking for a family car? If so, there are savings on hand by having named drivers added to a single auto insurance policy in Georgia rather than everyone being insured separately. This is especially true for married couples.
In addition to this, never ever ask for a ball park figure. Yes, you may know the vehicle you want inside out but the insurer does not. They will always sit on the side of caution and that will always generate a higher premium.
If you own your home, this final tip is possibly one of the most important. Never ever take Minimum Liability Insurance. Sure, you can save a bit of money but what should happen if you have an accident that causes damage to your home? There is just no financial sense in placing your home at risk for a small saving. The only time you should even consider this is if you are told to do so by your attorney, and even then it is just not worth it in the long term.
Consider all of these facts and soon cheaper premiums will be yours. Compare Georgia auto insurance quotes by just entering your area code here.
