No one in their right mind cherishes buying car insurance, particularly when they are paying too much.
Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer and get the definite lowest rate possible.
It’s important to get comparison quotes periodically since insurance rates change regularly. Just because you had the best deal a few years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you’re about to find out the proper way to find great coverage at a great price.
When shopping for car insurance there are multiple ways to compare quotes from different in Atlantainsurance companies. The fastest way to compare insurance prices is simply to get online rate quotes. This is very easy and can be done using a couple different methods.
The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quotation requests for every car insurance company. In just a few minutes this one form gets rate comparisons .
A slightly less efficient method to obtain and compare quotes online is to take the time to go to the website of each company and request a quote. For example, let’s say you want to compare rates from USAA, Farmers and Progressive. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in Atlanta, click here.
The most time-consuming method to compare rates is driving to insurance agents’ offices. Shopping for car insurance online has reduced the need for local agents unless you require the personal advice of a local Atlanta agent. However, consumers can comparison shop online and still use a local agent. We’ll cover that shortly.
Whichever way you use, double check that you are using apples-to-apples quote information for every quote you compare. If your comparisons have higher or lower deductibles then you won’t be able to decipher which rate is best in Atlanta. Having just a slight variation in coverages could mean much higher rates. Just remember that quoting more will enable you to find the best rates.
Smart consumers have a good feel for the rating factors that go into determining car insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get better car insurance rates.
The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Some trigger automatically when you get a quote, but a few must be requested specifically before being credited.
A little note about advertised discounts, many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. But any discount will cut your premiums.
To see a list of companies with discount car insurance rates in Atlanta, click this link.
When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help you determine whether you could use an agent’s help.
If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier
Some consumers would prefer to get advice from a local agent. One of the best bonuses of comparing insurance prices online is you can get the best rates but still work with a licensed agent. Buying from small agencies is especially important in Atlanta.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data gets sent to companies in Atlanta who will battle for your business. You won’t need to drive around as quotes are delivered straight to your inbox. How cool is that?! Get lower rates without the usual hassles of price shopping.
When looking for an insurance agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Atlanta agents are classified as either independent (non-captive) or captive.
Independent agents are not employed by any specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.
When comparison shopping, we recommend you get quotes from several independent insurance agents for the best price selection.
Listed below is a list of independent agencies in Atlanta who may be able to give you comparison quotes.
Action Auto Agency – 2555 Bolton Rd NW – Atlanta, GA 30318 – (404) 581-9922
Standard Equity Agency – 5901 Peachtree Dunwdy Rd # C – Atlanta, GA 30328 – (770) 394-3700
Richard Deets Agency – 1900 Emery St NW # 425 – Atlanta, GA 30318 – (404) 352-0824
Abbey Insurance – – Atlanta, GA 30338 – (770) 551-8686
Aero Insurance – – Atlanta, GA 30305 – (404) 846-3427
Captive agencies can only write with one company and examples are AAA, Allstate and State Farm. They usually cannot compare other company’s rates so keep that in mind. Captive agencies are trained well on their products and sales techniques which can be an advantage.
Shown below are captive agents in Atlanta willing to provide price quote information.
Allstate Insurance – 1776 Briarcliff Rd NE # B – Atlanta, GA 30306 – (404) 876-3180
State Farm Insurance – 2900 Chamblee Tucker Rd # 915 – Atlanta, GA 30341 – (770) 457-3717
Liberty Mutual Insurance – 3695 Cascade Rd SW # J – Atlanta, GA 30331 – (404) 691-8662
To view a complete directory of Atlanta captive agents, visit this link.
Choosing a car insurance agent requires more thought than just the price. These are valid questions to ask:
After getting positive responses to your questions and an acceptable price quote, you’ve probably found a car insurance agent that can service your policy.
You just read a lot of tips how to save on car insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the biggest savings come from a small mutual company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.
Cost effective car insurance can be purchased online as well as from independent agents in Atlanta, and you should be comparing both so you have a total pricing picture. Some companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, someone dropped liability coverage limits only to find out that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.
More information is located on the website for the Georgia Insurance and Safety Fire Commissioner found here. Visitors are able to download brochures, find out which companies have the most complaints, and view agent and company licensing information.