Insider Tricks to Paying Less for Sandy Springs, GA Auto Insurance

Are you overwhelmed by the crazy number of auto insurance choices in Sandy Springs? You’re not alone. People have so many choices that it can easily become a real hassle to find the lowest price.

The purpose of this post is to familiarize you with how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But Georgia vehicle owners need to learn how the larger insurance companies sell online and take advantage of how the system works.

How to Buy Sandy Springs Auto Insurance Online

There are a lot of ways to compare auto insurance quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with agents in Sandy Springs, or you can utilize the internet for quick rates.

Most car insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and at least one company can provide price quotes based on that data. This eliminates the need for form submissions to each individual auto insurance company.

To use this form to compare rates click here to start a free quote.

The single downside to doing it this way is that consumers can’t choose the insurers you want to price. If you wish to select specific providers to request quotes from, we have assembled a list of auto insurance companies in Georgia. Click here for list of insurance companies in Georgia.Sandy Springs GA insurance cheap

Which method you use is up to you, but make darn sure you compare exactly the same information with each company. If the quotes have different limits and deductibles on each one it’s impossible to decipher which rate is best in Sandy Springs. Slightly different limits can mean a large discrepancy in price. It’s important to know that comparing more company’s prices will enable you to find a lower rate.

Don’t overlook these discounts

Insurance can cost an arm and a leg, but companies offer discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked about before you get the savings.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Multiple Cars – Having all your vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less than drivers with accident claims.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way. Any qualifying discounts will bring down the cost of coverage.

When might I need help?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

Sandy Springs GA insurance cheap

  • Will I lose any money if I cancel my policy before it expires?
  • How much liability do I need to cover my assets?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I buy more coverage than the required Georgia minimum liability coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Consumer auto insurance information in Georgia

More information is located on the Georgia Insurance and Safety Fire Commissioner website found here. Georgia consumers can read consumer alerts, file complaints about an insurance agent or broker, find disaster information, and discover disciplinary actions.

Additional helpful sites include this page for Georgia auto insurance and this page where you can also get Sandy Springs auto insurance quotes.