Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
It’s a good habit to get comparison quotes once or twice a year since insurance rates fluctuate regularly. Just because you had the best rates a year ago you will most likely find a better rate today. So just block out anything you think you know about car insurance because it’s time to teach you the fastest way to lower your annual insurance bill.
Shopping for lower car insurance rates can be a daunting task if you don’t understand the best way to get rate quotes. You could spend the better part of a day talking to agents in Dalton, or you can stay home and use online quoting to maximize your effort.
Most car insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and every company can give them a price based on that data. This saves time by eliminating quote forms for each company.
To get comparison pricing now click here to start a free quote.
The only drawback to using this type of form is you don’t know exactly which carriers you want to price. So if you want to select specific providers to compare, we have a page of car insurance companies in Georgia. Click here to view list.
It’s up to you how you get prices quotes, just make sure you use identical coverage limits on every quote. If you are comparing unequal deductibles or liability limits it will be impossible to make an equal comparison in Dalton.
Companies don’t necessarily list every available discount in a way that’s easy to find, so here is a list some of the more common and also the lesser-known car insurance savings. If you aren’t receiving every discount you qualify for, you are throwing money away.
A little note about advertised discounts, most credits do not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.
It’s important that you understand some of the elements that come into play when calculating the price you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to better car insurance rates.
A small number of people would prefer to visit with an insurance agent and that is OK! Professional agents can point out coverage gaps and give you peace of mind. One of the best bonuses of price shopping on the web is you may find lower rates but also keep your business local.
Once you complete this simple form, your coverage information is instantly submitted to participating agents in Dalton who will return price quotes for your business. There is no need to leave your house as quotes are delivered immediately to your email address. Now that’s easy!
Selecting an insurance company needs to be determined by more than just the bottom line cost. Some important questions to ask are:
When researching local Dalton agents, there are a couple of different agency structures from which to choose. Agencies in Dalton are classified as either independent (non-captive) or captive. While both can do a good job, but it’s worth mentioning the difference between them since it can impact buying decisions.
Captive insurance agents are contracted to one company and some examples include Farmers Insurance or State Farm. These agents are not able to shop your coverage around so keep that in mind. Captives are very knowledgeable on their company’s products which helps them compete with independent agents.
The following is a list of captive insurance agencies in Dalton that can give you rate quotes.
Farm Bureau Insurance – 1509 Chattanooga Rd – Dalton, GA 30720 – (706) 278-9380
Allstate Insurance – 1209 W Walnut Ave # 9 – Dalton, GA 30720 – (706) 226-8500
State Farm Insurance – 1514 W Walnut Ave # 102 – Dalton, GA 30720 – (706) 278-2511
Independent agents are not locked into one company so they have the ability to put coverage with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent. When shopping rates, it’s recommended you include price quotes from at a minimum one independent agency to ensure the widest selection of prices.
Shown below is a short list of independent agencies in Dalton who can help you get price quote information.
Dan Cavender Agency – 855 Abutment Rd # 4 – Dalton, GA 30721 – (706) 259-7050
Hill Pope Agency – 2685 Cleveland Hwy # 3 – Dalton, GA 30721 – (706) 278-2063
Starr-Matthews Agency – 101 E Crawford St # 401 – Dalton, GA 30720 – (706) 278-0707
Alfa Insurance Corp – 207 W King St # A – Dalton, GA 30720 – (706) 272-0620
Tibbetts Insurance Svc – 107 W Gordon St – Dalton, GA 30720 – (706) 277-3903
To view a full list of licensed insurance agents in Dalton, visit this site.
After receiving reasonable responses to any questions you have and a good coverage price, chances are good that you have found an insurance agency that can insure your vehicles.
When choosing coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions can aid in determining whether or not you might need an agent’s assistance.
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
More detailed Georgia car insurance information is available at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can find out which companies have the most complaints, file complaints about a company, find out industry alerts, and learn about insurance regulations.
Georgia drivers can’t ignore all the ads that promise big savings from companies such as Progressive, Allstate and GEICO. They all make an identical promise that you can save after switching your policy.
How does each company say the same thing?
All companies have a preferred profile for the driver that makes them money. An example of a preferred risk could be between the ages of 30 and 50, has no tickets, and has great credit. A driver who fits that profile receives the best rates and most likely will cut their rates substantially.
Potential insureds who are not a match for these standards will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully claim big savings. This emphasizes why you should get as many comparisons as possible. It’s just too difficult to predict the company that will have the lowest rates.
In this article, we presented many ways to shop for car insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from a small mutual company. Smaller companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.
Budget-conscious car insurance is possible from both online companies as well as from independent agents in Dalton, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.
When you buy insurance online, never sacrifice coverage to reduce premiums. In many cases, someone sacrificed liability coverage limits only to discover later that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.