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At Velox Insurance, there aren’t too many
things we get more excited about than
saving customers money on car insurance.
That’s why we put together some of our top
tips for lowering rates and getting more
auto insurance discounts. If you’re looking
to save money on car insurance here in
Georgia – read this first!
Collision coverage pays for repairs to your car if
it collides with another vehicle or object
regardless of who is at fault. The deductible is
how much you pay before the insurance
company pays. If you choose a higher
deductible it saves on insurance but don’t do it
unless you could actually afford to pay more if
you have an accident!
1) Raise Your Collision Deductible
Almost every auto insurance company we work
with at Velox gives a discount if you take a
defensive driver class. There are even online
defensive driver courses you can take
without leaving the house. Reach out
to your insurance agent first to make sure the
course you want to take will give you a
discount.
2) Take a Defensive Driver Course
Despite what they want you to think, no
insurance company has the cheapest price for
every driver. Each company uses different
rating criteria so if your friend saved the most
with The General, it doesn’t mean you will
too. The only way to find the best car insurance
price for you is to get as many quotes as
possible. At Velox Insurance we make it easy to
getmultiple car insurance quotes online or you
can contact any of our agencies throughout
Georgia to work directly with a licensed
insurance agent. Be careful of those other
websites that claim to offer lots of “comparison
quotes”. All they really do is sell your private
information to anyone willing to pay for it.
3) Compare Rates From Many Companies
Many insurance companies will tack on extra
charges or remove discounts based on your
payment history. If you are late even one time
after 30 years of payments, they might jack up
your price so don’t miss a payment!
4) Pay Your Bill on Time
Since married people have fewer car accidents,
most insurance companies charge single people
more. If you got married and didn’t tell your
agent you should let them know right
away. There may also be other insurance-
related considerations based on this change in
your life they will need to address. Here
at Velox Insurance we love anything that
saves clients money, but we don’t recommend
getting married just to save on car insurance – it
may be a decision you regret very soon, and for
the rest of your life!
5) Get Married
If you have a collector car and are insuring it
under your regular auto insurance policy, you
may be paying much more than you
should. Most insurers that specialize in
collector cars require very short annual mileage
rates, but will charge a lot less in return.
6) Purchase a Collector Cars Policy
Since they won’t have to mail bills every month
and it’s less likely your policy will be cancelled,
most insurance companies offer a cheaper price
if you’re willing to pay the entire 6 or 12 month
premium at once. Even if you have to use a
credit card, the difference in premium could be
substantial and you won’t have to worry about
your policy lapsing.
7) Pay For Your Entire Policy Upfront
During the quoting process, many shoppers are
tempted to “fudge” information about how they
use the vehicles and may actually cause the
price to be higher. For example most people
believe a vehicle rated for “pleasure” usage is
cheaper than one for “work” use. While this
may be true sometimes it is not always the
case. In addition, misrepresentation of
information during the insurance purchasing
process can result in the denial of a claim when
you really need the coverage.
8) Be Honest About How You Use Your Car
Although the person behind the wheel plays the
biggest role in the safety of a vehicle, insurers
do give cheaper prices to vehicles that perform
the best in handling and crash testing. In
addition to saving a few bucks, it might just
save your life!
9) Buy a Safer Vehicle
Since it involves less paperwork and processing,
many insurers give discounts for setting up your
policy on automatic billing. Even if there is
no discount, automatic payments can help you
avoid a lapse in coverage, which could cost you
a LOT of money if it happens at the wrong time.
10) Setup Automatic Payments
If there is more than one auto insurance
policy in your house, you may save money by
combining them. Doing the opposite may also
be beneficial. It would be best to speak with
a licensed insurance agent here in
Georgia before making any moves like this.
11) Combine Policies in the Same Household
Some insurance companies offer “early signing”
discounts that save you money if you buy a new
policy a week or more before it goes into
effect. In addition to this potential discount,
the more time you have to shop around,
the more quotes you can get and the greater
the opportunity to find the most affordable one.
12) Shop For Insurance Ahead of Time
Rental coverage pays for a rental vehicle while
your vehicle is being repaired for a covered
loss. If you could hitch a ride or walk to work
for a month or two, or if you have extra vehicles
to use or borrow you may cancel this coverage
and save money.
13) Drop Your Rental Car Coverage
Having a car alarm will almost always save you a
few bucks on your auto insurance. Don’t expect
a huge discount, but it should reduce your
comprehensive coverage.
14) Install an Alarm
People who own homes tend to be more
reliable clients for insurance companies so they
often give cheaper prices to homeowners. We
wouldn’t recommend going out and making an
offer today, but if you are a homeowner and
your insurance agent doesn’t know that give
them a call today!
15) Buy a Home
All Honda Civics are not created equal. Some
insurance companies charge different prices
depending on the submodel of your
vehicle. This means if you’re considering the
added cost of an upgraded model, don’t forget
to find out from the insurance company if it will
cost you any more for the leather seats.
16) Buy the Sedan (vs. the coupe)
If you park your vehicle in a garage or carport,
make sure your insurance company knows about
it. Many offer a discount off your
comprehensive coverage based on the
decreased likelihood of theft or weather
damage.
17) Park in a Garage
It’s not a smart idea, but it can save you
money. Property damage liability pays other
people for damage you cause to property they
own. It mostly covers wrecked cars but can also
pay for anything else you hit with your
car. Lowering this coverage will save you a very
small amount of money but could leave you in a
very bad situation.
18) Lower Your Property Damage Liability Coverage
Does this really need to be explained?
19) Don’t Get Traffic Tickets
If a friend borrows your car and gets in an
accident, your prices will go up. Even if that
other person has insurance of their own, your
policy is the one that will pay the claim and go
up later.
20) Don’t Let Anyone Borrow Your Car
www.VeloxInsurance.com 770-293-0623

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20 Ways to Save Money on Georgia Car Insurance

  • 1.
  • 2. At Velox Insurance, there aren’t too many things we get more excited about than saving customers money on car insurance. That’s why we put together some of our top tips for lowering rates and getting more auto insurance discounts. If you’re looking to save money on car insurance here in Georgia – read this first!
  • 3. Collision coverage pays for repairs to your car if it collides with another vehicle or object regardless of who is at fault. The deductible is how much you pay before the insurance company pays. If you choose a higher deductible it saves on insurance but don’t do it unless you could actually afford to pay more if you have an accident! 1) Raise Your Collision Deductible
  • 4. Almost every auto insurance company we work with at Velox gives a discount if you take a defensive driver class. There are even online defensive driver courses you can take without leaving the house. Reach out to your insurance agent first to make sure the course you want to take will give you a discount. 2) Take a Defensive Driver Course
  • 5. Despite what they want you to think, no insurance company has the cheapest price for every driver. Each company uses different rating criteria so if your friend saved the most with The General, it doesn’t mean you will too. The only way to find the best car insurance price for you is to get as many quotes as possible. At Velox Insurance we make it easy to getmultiple car insurance quotes online or you can contact any of our agencies throughout Georgia to work directly with a licensed insurance agent. Be careful of those other websites that claim to offer lots of “comparison quotes”. All they really do is sell your private information to anyone willing to pay for it. 3) Compare Rates From Many Companies
  • 6. Many insurance companies will tack on extra charges or remove discounts based on your payment history. If you are late even one time after 30 years of payments, they might jack up your price so don’t miss a payment! 4) Pay Your Bill on Time
  • 7. Since married people have fewer car accidents, most insurance companies charge single people more. If you got married and didn’t tell your agent you should let them know right away. There may also be other insurance- related considerations based on this change in your life they will need to address. Here at Velox Insurance we love anything that saves clients money, but we don’t recommend getting married just to save on car insurance – it may be a decision you regret very soon, and for the rest of your life! 5) Get Married
  • 8. If you have a collector car and are insuring it under your regular auto insurance policy, you may be paying much more than you should. Most insurers that specialize in collector cars require very short annual mileage rates, but will charge a lot less in return. 6) Purchase a Collector Cars Policy
  • 9. Since they won’t have to mail bills every month and it’s less likely your policy will be cancelled, most insurance companies offer a cheaper price if you’re willing to pay the entire 6 or 12 month premium at once. Even if you have to use a credit card, the difference in premium could be substantial and you won’t have to worry about your policy lapsing. 7) Pay For Your Entire Policy Upfront
  • 10. During the quoting process, many shoppers are tempted to “fudge” information about how they use the vehicles and may actually cause the price to be higher. For example most people believe a vehicle rated for “pleasure” usage is cheaper than one for “work” use. While this may be true sometimes it is not always the case. In addition, misrepresentation of information during the insurance purchasing process can result in the denial of a claim when you really need the coverage. 8) Be Honest About How You Use Your Car
  • 11. Although the person behind the wheel plays the biggest role in the safety of a vehicle, insurers do give cheaper prices to vehicles that perform the best in handling and crash testing. In addition to saving a few bucks, it might just save your life! 9) Buy a Safer Vehicle
  • 12. Since it involves less paperwork and processing, many insurers give discounts for setting up your policy on automatic billing. Even if there is no discount, automatic payments can help you avoid a lapse in coverage, which could cost you a LOT of money if it happens at the wrong time. 10) Setup Automatic Payments
  • 13. If there is more than one auto insurance policy in your house, you may save money by combining them. Doing the opposite may also be beneficial. It would be best to speak with a licensed insurance agent here in Georgia before making any moves like this. 11) Combine Policies in the Same Household
  • 14. Some insurance companies offer “early signing” discounts that save you money if you buy a new policy a week or more before it goes into effect. In addition to this potential discount, the more time you have to shop around, the more quotes you can get and the greater the opportunity to find the most affordable one. 12) Shop For Insurance Ahead of Time
  • 15. Rental coverage pays for a rental vehicle while your vehicle is being repaired for a covered loss. If you could hitch a ride or walk to work for a month or two, or if you have extra vehicles to use or borrow you may cancel this coverage and save money. 13) Drop Your Rental Car Coverage
  • 16. Having a car alarm will almost always save you a few bucks on your auto insurance. Don’t expect a huge discount, but it should reduce your comprehensive coverage. 14) Install an Alarm
  • 17. People who own homes tend to be more reliable clients for insurance companies so they often give cheaper prices to homeowners. We wouldn’t recommend going out and making an offer today, but if you are a homeowner and your insurance agent doesn’t know that give them a call today! 15) Buy a Home
  • 18. All Honda Civics are not created equal. Some insurance companies charge different prices depending on the submodel of your vehicle. This means if you’re considering the added cost of an upgraded model, don’t forget to find out from the insurance company if it will cost you any more for the leather seats. 16) Buy the Sedan (vs. the coupe)
  • 19. If you park your vehicle in a garage or carport, make sure your insurance company knows about it. Many offer a discount off your comprehensive coverage based on the decreased likelihood of theft or weather damage. 17) Park in a Garage
  • 20. It’s not a smart idea, but it can save you money. Property damage liability pays other people for damage you cause to property they own. It mostly covers wrecked cars but can also pay for anything else you hit with your car. Lowering this coverage will save you a very small amount of money but could leave you in a very bad situation. 18) Lower Your Property Damage Liability Coverage
  • 21. Does this really need to be explained? 19) Don’t Get Traffic Tickets
  • 22. If a friend borrows your car and gets in an accident, your prices will go up. Even if that other person has insurance of their own, your policy is the one that will pay the claim and go up later. 20) Don’t Let Anyone Borrow Your Car