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Ways To Save On Your Georgia Car Insurance Policy!

Pay in full to avoid installment fees. "Fractional premium" fees are usually charged when you pay your annual premium in installments rather all at once. Payments usually are offered on a six-month, quarterly or monthly basis, but almost every insurance company charges an administrative fee for breaking up the payments. The more you break it down, the more those fees add up.

Ask for higher deductibles. When you file a claim, the deductible is the amount of money you pay before your insurance kicks in. Higher deductibles mean lower premiums. For example, increasing your deductible from $250 to $500 on collision and comprehensive coverage could reduce that portion of your premium by 15 to 30 percent. Increasing it to $1,000 can you save you up to 40 percent or more, according to III. Just make sure you can pay it in the event that you need to make a claim. http://www.insure.com/articles/carinsurance/policy-save.html

Drop collision and/or comprehensive coverage on old cars. If your car is totaled in an accident, you receive the actual cash value of the car. Although insurance companies use their own criteria to determine fair market value for vehicles, you can get a ballpark estimate from NADA Guides. For older cars, it may not make financial sense to pay premiums over many years to maintain collision and comprehensive coverage. As a general rule, it doesn't make sense to buy comprehensive and collision coverage for a car worth less than $1,000, according to III. http://www.insure.com/articles/carinsurance/policy-save.html

Buy your home and auto policies from the same insurer. Many insurers will give you a discount if you buy two or more types of coverage from them, according to III. http://www.insure.com/articles/carinsurance/policy-save.html

Younger Drivers Need Training & Good Grades. If you have a younger driver make sure they receive certified drivers training from  

offered by their school or accredited program. Young drivers can cost a fortune, but these certificates can reduce rates a lot! Also keeping a grade point average above a "B" can help as well! Make sure your kids keep good grades and this can reduce your rates further!