Insider Techniques for Cheaper Newnan, GA Auto Insurance

Finding better rates for Newnan auto insurance can seem to be challenging for consumers new to buying insurance online. Drivers have so many options available that it can quickly become a big hassle to compare prices in Newnan.

If you currently have car insurance, you should be able to cut costs considerably using this strategy. The purpose of this post is to familiarize you with how to get online quotes and some tips to save money. But Georgia consumers must learn how companies determine prices.

Free Quotes for Auto Insurance in Newnan

There are several ways to shop for auto insurance, and some are easier and takes less work. You can waste a lot of time talking about coverages with agents in Newnan, or you can stay home and use the web to maximize your effort.

The majority of car insurance companies take part in a program where insurance shoppers send in one quote, and each participating company provides a quote based on the submitted data. This saves time by eliminating quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to doing it this way is you cannot specify which carriers you want pricing from. So if you want to choose specific providers to receive pricing from, we have a page of low cost auto insurance companies in Georgia. Click here to view list.

Whichever method you choose, ensure you’re using exactly the same coverages and limits for every company. If each company quotes different deductibles you will not be able to decipher which rate is best in Newnan. Having just a slight variation in limits may result in a large different in cost. And when comparison shopping, more quotes provides better odds of finding the best offered rates.

Discounts are basically free money

Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but less common discounts must be inquired about before they will apply.

  • Resident Student – Kids in college living away from home attending college and don’t have a car can receive lower rates.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Passive Restraint Discount – Vehicles equipped with air bags can receive discounts of more than 20%.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free auto insurance policy, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.

To see a list of providers offering auto insurance discounts in Georgia, follow this link.price insurance in Georgia

Make smart decisions and save

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

Listed below are a few of the “ingredients” used by your company to calculate your rates.

  • High credit ratings translate to low rates – Your credit rating is a huge factor in calculating your auto insurance rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit scores. If your credit can use some improvement, you could pay less to insure your by improving your rating.
  • Low deductibles can be expensive – Your deductibles represent how much money you are required to spend if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more you’re willing to pay, the bigger discount you will receive.
  • Marriage brings a discount – Getting married can actually save you money on your auto insurance policy. Marriage translates into being more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Careful drivers pay lower rates – Your driving record has a big impact on rates. Even a single ticket can increase rates twenty percent or more. Good drivers get better rates than bad drivers. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to continue driving.
  • Where you live is a factor – Living in a small town can save you money when buying auto insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • Protect yourself with liability coverage – Your policy’s liability coverage will protect you if a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Theft deterrents lower rates – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Where do you drive? – The more you drive in a year’s time the higher your rate. The majority of insurers apply a rate determined by how the vehicle is used. Cars that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.

Comparing rates from local agents

Some people just want to sit down with an agent and that is OK! One of the great benefits of getting online price quotes is you can get lower rates but also keep your business local. Buying from local insurance agencies is especially important in Newnan.

After filling out this simple form, your information gets sent to companies in Newnan who will give you bids to get your business. There is no need to leave your computer as quotes are delivered directly to your email. Now that’s easy! You’ll get the best rates AND an agent nearby.

Independent or Captive: It’s your choice

When looking for a reliable agent, there are a couple of types of insurance agents that you can select. Agencies in Newnan are classified as either independent (non-captive) or captive.

Independent Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency. When shopping rates, it’s a good idea to get quotes from at a minimum one independent agency for maximum quote selection. They often place coverage with lesser-known insurance companies which can be an advantage.

Listed below are independent insurance agents in Newnan that may be able to provide competitive price quotes.

  • Dickerson Insurance and Tax Agcy – 45 Robinson St – Newnan, GA 30263 – (770) 252-0096
  • Acceptance Insurance Co – 271 Temple Ave – Newnan, GA 30263 – (770) 251-2711
  • Direct General Ins Agency – 274 Bullsboro Dr # B – Newnan, GA 30263 – (770) 502-1818
Captive Insurance Agents

This type of agents are contracted to one company such as State Farm, Allstate and AAA. Captives cannot provide prices from multiple companies so they have no alternatives for high prices. They are very knowledgeable on the products they sell which can be an advantage. Consumers frequently buy from captive agents partially due to loyalty to the company and strong financial ratings.

Below are Newnan captive agencies that can give you rate quotes.

  • State Farm Insurance – 3124 Highway 16 W – Newnan, GA 30263 – (770) 253-4428
  • Allstate Insurance – 45 Southerland Dr # A – Newnan, GA 30263 – (770) 251-7176

To view a full list of captive agents in Newnan, please view this page.

Picking an insurance agent needs to be determined by more than just the bottom line cost. These are valid questions to ask:

Auto insurance in Newnan Georgia

  • Did they already check your driving record and credit reports?
  • Does the company allow you to choose your own collision repair facility?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Which company do they place the most coverage with?
  • How long have they worked with personal auto insurance coverage?
  • Who are their largest clients?
  • Who is covered by the car insurance policy?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

Upon receiving positive responses to your questions and an affordable coverage quote, it’s possible that you found an auto insurance agent that meets your needs to properly service your auto insurance policy.

Additional information is located on the Georgia Insurance and Safety Fire Commissioner website. Click here for link. Visitors are able to view agent and company licensing information, file complaints about a company, and view a list of available companies.

What is YOUR best insurance company?

Consumers switch companies for many reasons like unfair underwriting practices, questionable increases in premium, lack of trust in their agent or delays in paying claims. Regardless of your reason for switching companies, finding a great new company is easier than you think.

We covered a lot of information how to lower your auto insurance rates. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the best price on auto insurance is with a small local company.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. In many cases, an insured dropped physical damage coverage only to regret that it was a big error on their part. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.