Car insurance in Athens, Ga. can put a dent in your bank account. However, you might be paying a higher premium than you would if you followed these steps.
Consider Changing Your Insurance Provider
There is no reason to stick with the same car insurance company. Regularly check with insurance brokers for current insurance rates. However, you might need to be more strategic depending on your credit score.
Insurance companies are not allowed to change insurance rates mid-term, but insurance companies will use the credit score when determining the premium for new customers. If you have a poor credit score, you may wish to stick with the same insurance company until your score improves. However, if you have good credit, you may wish to add new vehicles to a policy or shop around for a different policy where you could find better rates.
Remove Unnecessary Services
Car insurance companies offer additional services to customers beyond coverage. While towing and car rental services are handy during an accident, they are not free. Sometimes, the cost of renting a car is lower than the car rental fee offered by the car insurance in Athens, Ga. as long as you don't plan on getting into several accidents within the year. Many motorists need a tow when they run out of gas or lock their keys in their car. You can easily avoid these mistakes and keep your insurance rates down.
Raise Your Deductibles
When determining the characteristics of your insurance policy, raise your deductible as high as possible. The deductible is the amount that you will pay out of pocket in the event of a car accident. While a $1,000 out-of-pocket cost may seem high, you can place $1,000 in your bank account and leave it untouched until you need to pay your deductible. Keeping the deductible high will lower your insurance rates.
Get All Of Your Insurance From One Place
You can save on all forms of insurance when you bundle different insurance policies together. Getting homeowners, car and boat insurance from the same company will often lead to discounts.
Pay in Advance
The payment frequency affects the overall car insurance costs. You will save more money when you pay every couple of months. Also, most insurance companies offer discounts to customers who pay through auto-pay. The credit card, debit card or bank account will be charged at a specific date each month. Besides saving money, this service lets you avoid worrying about your bill every month.
Get a Less expensive Car
If you are in the market for a new car, purchase a more economical vehicle. Besides saving money on the car itself, it will cost less to insure it. Your premium will also be higher if you purchase a car that has a high theft rate. The only solution is to research the car that you intend to purchase.
Live in a Less Dangerous Place
If you plan on moving, you might find that your car insurance in Athens, Ga rates drop if you move to an area with lower crime. When choosing between a more rural or urban residence, choosing a rural residence will also lower car insurance premiums.
When seeking lower insurance premiums, you must tread with caution. When you raise your deductibles, consider how much you will be able to pay in the event of an accident. If you plan on moving, consider the affordability of the residence alongside your car insurance in Athens Ga. savings. By considering all factors, you can lower your monthly expenses to a minimum.
Call Pachuta Insurance today @ 706-769-2262 for cheap car insurance in Athens, Ga.
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