5 Tips To Getting The Best Auto Insurance Coverage

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Looking for tips on how to save money and get the best auto insurance rates in Athens, Ga?  Read on my friends…

Auto insurance rates keep climbing even as the economy keeps sinking. Car owners still need to insure their automobiles. It’s not just a good idea, it’s the law! That doesn’t mean you shouldn’t do everything possible to get the best bang for your buck, the clearest coverage for your cash, the most moxie for your moolah….  Here’s some auto insurance tips to help you do just that!

Tip #1: Prove you’re a safe driver.

This may seem like an obvious selling point, but it never hurts to point out your impeccable driving record to the insurance agent. Just be sure you have a safe driving record to back up your words. Defensive driving classes not only shave “points” off your record in some states, but can affect your auto insurance rates by providing the agent with proof of your good driving behavior.

Tip #2:  Shop around.

Unless you’re in a bind, there’s no reason to take the first offer you get. Insurance agents get very competitive very quickly if they think they’re in danger of losing your business. Get a few quotes from competing companies, and don’t be shy about asking them to match rates. With the options available on the internet these days, you shouldn’t even have to leave your house to wind up with a fistful of paperwork.

SEE MORE:  Best Auto Insurance Rates in Athens, Ga.

Tip #3:  Go easy on the optional extras.

One of the basic auto insurance tips is that you should decide what kind of coverage you need and what deductible you’re willing to pay long before you set foot in an agent’s office. Every state has specific minimum requirements that are essentially non-negotiable, but every policy finds a way to tweak those premiums. Generally speaking, lower deductibles mean higher premiums and comprehensive packages cost more than just collision and liability.

Tip #4:  Know the value of your car.

Unless you’re willing to trade in your shiny new sports car for a 10-year-old grocery bringer, your fancy car is going to cost you more money to insure. Auto insurance rates in Athens, Ga. look at the value of your vehicle when figuring premiums, and new cars are always more expensive to cover. If you have an older vehicle, you might ask if there are after-market safety features that would bring down the cost of insurance. Chances are your agent has a list.

Tip #4:  Pay your bill on time and in full.

No one likes paying bills, but insurance companies have remarkably little tolerance for customers who won’t play nice. This isn’t one of those things you can “catch up on” when the money flow gets better. Not only does a solid history of payment keep you street legal, but some agents will provide discounts for good customers who are willing to make automatic payment arrangements. You can take that to the bank!