Simple Ways To Lower Auto Insurance Rates In Georgia

Reader question:

I get so mixed up with my auto insurance. I have so many bills to pay each month and I just don’t have time to figure out how to lower my premium. What can I do?

Jack in Atlanta Georgia

Thank you for asking, Jack.

You know, there is actually a way that you can kill two bird with one stone, and lower the stress of multiple bills while also lowering your  auto insurance premium. This is pretty simple to do, and might take a few minutes of your time, but it will be extremely valuable in your future.

The key to a cheap, stress less, Atlanta Georgia auto insurance rate is to

• Combine, combine, combine!

The first thing you need to do, Jack, if look at each of the insurance companies that you are with, not just your auto insurance company. What kind of insurance do they offer? Many companies will offer life, home owner’s, and auto insurance, while some will only offer one kind of insurance. If you have the latter type holding your policies, then you need to ditch them and find a company that offers more.

Once you have decided on a good auto insurance company that also offers other types of insurance, you should buy all of your insurance policies through them. Not only will you essentially consolidate your insurance bills, making them easier to keep track of, but you will also lower your premium through the multiple policy discount that most companies offer.

• Join, join, join!

You don’t have to go it alone on your  insurance premium if you have another choice. If you have a fiancée, why not combine your policies into one  insurance policy? Same with a wife, or a roommate, or even a good friend. By adding someone else to your policy, you can save a lot of money on your  auto insurance premium, especially if that person is lower risk than you are.

Raise your deductible amount to $1,000. If you are a safe driver and have not had any accidents or claims in the last 5 years raising your deductible could be a super easy way to lower your annual premium.  Remember, you only pay the deductible amount when you file a claim with your insurance company and they pay that claim.

Cheers,

Fashun Guadarrama.