AUTO
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The Driving Steps to Better Auto
Insurance
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Everybody wants the best value for car insurance, but how do you find it?
InsurancePM compares car insurance quotes from multiple Top A Rated insurance companies to find you the best coverage and price available. It is common for people to focus solely on the lowest insurance quotes. This is a mistake because it is often sacrificing the coverage you need to make it appear more appealing to buy. There is a lot more to auto insurance than most TV ads let on to believe. The whole point of proper coverage is to stand between you and financial disaster. With InsurancePM as your portfolio insurance managers, we will be able to find the proper coverage at a the best rates without sacrificing your financial security should an accident happen. Call 470-601-SAVE (7283) and let one of our licensed agents advise you through all our available options. Click On The Link Below to Start Your Auto Insurance Application NOW
Comparison Shopping
Comparison shop.No two insurance companies are alike. There really isn’t an Apples to Apples comparison. For example- Comparing Wendy’s in Atlanta could be compared to a Wendy’s in Gainesville but you cannot compare a Wendy’s burger to one at Ruth’s Chris Steak House and expect the same price or quality. Therefore insurance companies have a rating system. Always shop A rated companies or better. You’ll thank us when it comes to your claim
Bundle Your Policies.You already get discounts if you are married or a homeowner because married people and homeowners tend to file fewer claims. Sometimes you can save even more by purchasing your home insurance and auto insurance policies from the same provider. Bundling does make it easier for paying bills but have a brokerage like InsurancePM check to see if bundling is actually the best option.
Raise Your Deductible.Simply raising your deductible from $250 to $500 can lower the collision or comprehensive portion of your premium by about 20 percent, according to the Insurance Information Institute. You can have different deductibles. For example- $500 for Comp and $1,000 for Collison. It’s all dependent on your claims history to know how to structure your policy.
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Request a Quote
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Get All Discounts for Which you
Is your daughter a straight-A student? You may qualify for cheaper car insurance by obtaining a good student discount. Does your car have anti-theft deterrents? Your insurer may give you a price break because the car is less vulnerable to theft. Have you taken a driver safety course on your own free will? These are some discounts that can save you big in the long run. This is especially true for those insuring more than 2 vehicles.
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Buy the Right Type of Car.If you're shopping for new wheels, your choice of automobile can play a big role in getting lower insurance rates. Cars that cost less to repair or replace generally receive lower premiums.
You'll also get better rates if your car has certain safety features. Insurance companies often give discounts for features such as anti-lock brakes, side airbags and automatic safety belts. Anti-collision technology is becoming popular in new vehicles; if your car is equipped with the new tech ask your agent if any discounts are available. |
Avoid Tickets and Accidents. |
Dont Carry Unnecessary Insurance
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A poor driving history can easily disqualify you from getting a lower cost. Insurers will check your record to see if you present a high level of risk. Speeding tickets, accidents, drunk driving citations, and even comp claims can all lead to a higher rate.
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If you have a paid for vehicle with a value of $5,000 or less, reduce your car insurance costs by dropping comprehensive and collision coverage. Experts say it is time to drop these coverage's when the actual cash value you’d receive for your vehicle doesn’t justify the insurance expense. If your premium is worth more than your car- it’s wise to go with high limit liability
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