Everyone wants to save money on auto insurance, especially during times when rates continue to rise. In states like Georgia and South Carolina, growing cities mean more drivers, more distractions, and more accidents.
Distracted driving—especially cell phone use—is a major factor. A 2-second distraction can result in an accident costing an average of $25,000. As a result, insurance companies either reduce their presence in certain states or raise premiumsto offset future losses.
While insurers have limited control over lowering rates, there are steps you can take to reduce your auto insurance cost.
1️⃣ Drive Without Using Your Cell Phone
It’s not just safer—it’s the law in Georgia since July 1, 2018. Using your phone while driving can result in tickets and points on your license.
👉 One moment of distraction can lead to a lifetime of consequences.
2️⃣ Customize Your Policy
Not everyone needs the same coverage. Review your policy and make sure you’re receiving all available discounts, such as:
- Homeowner discounts.
- Good student discounts.
- Memberships like Costco or Sam’s Club.
Adjusting coverage and removing unnecessary add-ons can significantly lower your premium.
👉 Calidad Insurance reviews your policy at no cost.
3️⃣ Avoid Points on Your Driving Record
Safe driving helps keep your insurance rates low.
Tickets and accidents negatively impact your driving record and typically stay on your record for up to 3 years, increasing your premiums.
A clean record pays off.
4️⃣ Avoid Monthly Payment Plans
Paying your policy in full for six months helps you avoid financing fees and additional charges from insurers and banks.
💰 This can save you 5% to 10% on your total premium.
5️⃣ Compare Prices Before Choosing
Not all policies are the same. Coverage limits and deductibles directly affect pricing.
Comparing multiple quotes helps ensure you choose the best value, not just the cheapest option.
Talk to Your Insurance Agent
Ask about additional discounts. Many auto insurance providers offer savings for:
- Married drivers.
- Prior insurance coverage.
- Homeownership.
- Multi-vehicle policies.
Save Time and Money with Calidad Insurance
At Calidad Insurance, we work with over 15 insurance companies, allowing us to:
- Compare rates.
- Customize coverage.
- Apply all eligible discounts.
- Offer full-pay or monthly options.
👉 We help you save money from the moment you buy your policy—all in one place.
Do you need more information about any of our insurance policies? 👉 Follow this link.