9 Must-Know Methods When Comparing Roswell, GA Car Insurance

No one in their right mind cherishes buying car insurance, particularly when the cost is too high.

Drivers have multiple car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it can be more difficult to find a good deal.

You should make it a habit to compare prices yearly because prices are variable and change quite frequently. Despite the fact that you may have had the lowest price two years ago you can probably find a lower rate today. You can find a lot of wrong information about car insurance online but we’re going to give you a bunch of ideas how to buy car insurance cheaper.

Don’t miss out on these money-saving discounts

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Some trigger automatically when you complete an application, but a few must be manually applied in order for you to get them.

  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 15% off your medical payments premium.
  • Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in school.
  • Drive Less and Save – Fewer annual miles could be rewarded with better rates on cars that stay parked.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.

To see a list of providers offering car insurance discounts in Roswell, click here.

Finding Car Insurance Deals in Roswell

All the larger car insurance companies such as Allstate, GEICO and Progressive allow you to get pricing online. The process is pretty easy as you simply enter into the quote form. When complete, their rating system gets your driving record and credit report and returns a price based on these factors. Online quotes makes it a lot easier to compare rates but having to visit a lot of sites and enter the same data into a form can get tiresome after awhile. But it’s very important to perform this step in order to get a lower rate.

The smarter way to compare rates uses one simple form to obtain quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much easier to do. After sending the form, it is quoted and you are able to buy any or none of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and purchase coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out what other companies charge, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you copy coverages and limits as close as possible to your current policy. Doing this assures you’re receiving comparison quotes using the same coverage and limits.

Many Things Influence your Rates

It’s important that you understand the factors that go into determining car insurance rates. Knowing what determines base rates helps enable you to make changes that can help you get better car insurance rates.

Listed below are a few of the “ingredients” that factor into your rates.price insurance in Roswell

  • Where do you drive? – The more miles you rack up on your car each year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your car insurance policy is rated on how each vehicle is driven.
  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Frequent car insurance claims increase rates – If you are a frequent claim filer, you can look forward to higher rates. Car insurance companies in Georgia give cheaper rates to policyholders who are claim-free. Insurance coverage is intended for larger claims.
  • Never let your coverage lapse – Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, getting caught without coverage can result in a license revocation or jail time.
  • Your location affects your rates – Living in small towns and rural areas is a positive aspect when talking about car insurance. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Urban drivers have more traffic problems and longer commutes to work. More time commuting means more change of being in an accident.
  • Your job and insurance rates – Occupations such as judges, business owners and stock brokers are shown to have the highest rates in part from job stress and long work days. On the other hand, occupations like actors, students and the unemployed pay the least.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men cause accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.

Car Insurance through a local agent

Some consumers would prefer to buy from a local agent and there is nothing wrong with that. One of the great benefits of price shopping on the web is you can get lower rates and still have an agent to talk to. And supporting local agencies is especially important in Roswell.

Upon completion of this simple form, the quote information is submitted to companies in Roswell who will compete for your business. There is no need to leave your house due to the fact that quote results will go directly to your email. Now that’s easy! You can find the lowest rates without the usual hassles of price shopping.

Choose the right insurance agency

If you’re trying to find a good insurance agency, you must know there are a couple different agency structures that you can select. Agents are categorized either independent or captive.

Independent Agents

Independent agents are not required to write business for one company so they have the ability to put coverage with any number of different companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When comparison shopping, you should always get quotes from multiple independent agents to have the most options to choose from.

Listed below is a list of independent insurance agents in Roswell that are able to give pricing information.

Bottom Line Insurance Conslnts – 9310 N Lake Dr – Roswell, GA 30076 – (770) 643-6932
Skipworth Agency – 2500 Old Alabama Rd # 9 – Roswell, GA 30076 – (770) 998-3336
Derrick Campbell Agency – 11285 Elkins Rd – Roswell, GA 30076 – (770) 569-4755
Camico Mutual Insurance Co – 570 W Crossville Rd # 104 – Roswell, GA 30075 – (770) 552-2743
Boardman Agency – 5005 Roxburgh Dr – Roswell, GA 30076 – (770) 752-9944

Captive Insurance Agents

These agents work for only one company such as State Farm, Allstate and AAA. They are unable to shop your coverage around so it’s a take it or leave it situation. Captives are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

The following are captive agencies in Roswell willing to provide price quote information.

Allstate Insurance – 138 Marietta Hwy – Roswell, GA 30075 – (770) 645-9010
Liberty Mutual Insurance – 626 Holcomb Bridge Rd # 500 – Roswell, GA 30076 – (770) 998-2045
State Farm Insurance – 4651 Sandy Plains Rd # 103 – Roswell, GA 30075 – (770) 998-0808
Ga Farm Bureau – 475 W Crossville Rd – Roswell, GA 30075 – (770) 643-6787

To view a complete directory of car insurance agents in Roswell, click here to link.

Selecting an insurance agent requires more thought than just a cheap price. These are valid questions to ask:

  • Do they assist clients in filing claims?
  • Are they able to influence company decisions when a claim is filed?
  • Is assistance available after office hours?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Does the agent have professional designations like CIC, CPCU or AIC?

Upon receiving answers to your satisfaction to any questions you have and a good coverage price, it’s possible that you found an auto insurance agent that meets your needs to provide car insurance coverage.

price insurance in Roswell

Is there truth in advertising?

Allstate, GEICO and Progressive regularly use ads on TV and radio. All the companies say the same thing that you’ll save big if you move your policy. How can each company say the same thing? This is how they do it.

Different companies have a certain “appetite” for the driver that earns them a profit. A good example of a desirable insured could possibly be over the age of 40, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Drivers who don’t measure up to these standards will be charged higher rates and this can result in business not being written. The ads say “customers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently make those claims.

That is why you absolutely need to quote coverage with many companies. It’s just too difficult to predict the company that will have the lowest rates.

Online plus local equals savings

Budget-conscious car insurance is definitely available on the web and also from your neighborhood Roswell agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, do not buy poor coverage just to save money. In many cases, consumers will sacrifice liability coverage limits to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price.

More information is available on the website for the Georgia Insurance and Safety Fire Commissioner found here. Georgia consumers can view a list of available companies, view agent and company licensing information, download brochures, and learn about specific coverages.

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