New Methods for Cutting Costs on on Smyrna Car Insurance

Having to pay for overpriced car insurance can dwindle your bank account and put the squeeze on your family’s finances. Doing a price comparison is a smart way to help make ends meet.

Because you have many online and local companies to choose from, it’s nearly impossible to locate the best provider.

Finding Car Insurance Deals in Smyrna, GA

When shopping for car insurance there are multiple ways to compare quotes and find the best price. The best way to find the lowest rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. Probably the best way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for repetitive form submissions for each company you want a rate for. Just one form will get you rate comparisons from all major companies.
  2. A more difficult way to get quotes online is going to the website of each company to complete a price quote. For instance, let’s say you want rates from GEICO, Esurance and Liberty Mutual. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in Smyrna, click here.
  3. The most time-consuming method of getting rate comparisons is to spend time driving to different Smyrna agent offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. You can, however, find lower rates online and still use a local agent and you’ll learn how to do that later.

It’s up to you which method you use, but compare identical coverage information for each price quote. If you have higher or lower deductibles you will not be able to determine the best price in Smyrna. Quoting even small variations in coverage limits could mean much higher rates. And when comparing car insurance rates, know that quoting more provides better odds of finding a better price.

Discounts are great for lower rates

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply at quote time, but less common discounts must be requested specifically before you get the savings.

  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. It can save you around 10%.
  • Passive Restraints – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Accident Waiver – Certain companies allow you one accident before your rates go up as long as you don’t have any claims for a set time period.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, companies don’t profit that way. Any amount of discount will cut your overall premium however.

To choose companies with discount car insurance rates in Smyrna, click this link.

Quote online but still have a local agent

Some consumers would rather buy from a licensed agent and that is OK! One of the great benefits of price shopping on the web is you may find the best rates but still work with a licensed agent. Buying from local insurance agencies is especially important in Smyrna.

After filling out this form (opens in new window), your insurance data gets sent to insurance agents in Smyrna who will battle to get your business. You never need to leave your house since price quotes are sent to your email. It doesn’t get any easier! You can find the lowest rates and a licensed agent to work with.lower rates in Georgia

Independent or Captive: It’s your choice

When looking for a reputable insurance agent or broker, there are two different types of agents that differ in how they can insure your vehicles. Agents can either be independent or captive.

Independent Agencies or Brokers

These agents are not locked into one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency.

When searching for an agent, it’s recommended you include price quotes from multiple independent agents to ensure the widest selection of prices.

Listed below are independent insurance agencies in Smyrna who may be able to give you comparison quotes.

Waggoner Insurance Inc – 2351 Benson Poole Rd SE – Smyrna, GA 30082 – (770) 434-4000
Direct General Ins Agency – 3791 S Cobb Dr SE # N – Smyrna, GA 30080 – (770) 436-7200
Action Auto Agency – 2959 Atlanta Rd SE – Smyrna, GA 30080 – (404) 581-9922
Pair Agency – 1326 Concord Rd SE – Smyrna, GA 30080 – (770) 434-6691
Hermitage Insurance Co – 2780 Bert Adams Rd NW – Smyrna, GA 30080 – (770) 434-2391

Captive Insurance Agents

These agents can only write with one company and examples are State Farm or Allstate. Captives cannot place coverage with different providers so it’s a take it or leave it situation. Captive agents receive extensive training on the products they sell which can be an advantage.

Shown below is a short list of captive insurance agencies in Smyrna that are able to give rate quotes.

State Farm Insurance – 2325 Log Cabin Dr SE – Smyrna, GA 30080 – (770) 805-8100
Allstate Insurance – 4499 S Cobb Dr SE # F – Smyrna, GA 30080 – (678) 309-9880

To view a full list of captive insurance agents in Smyrna, go to this page.

lower rates in Georgia

Selecting a car insurance agent should depend on more than just a cheap price. Here are some questions to ask:

  • Do they carry Errors and Omissions coverage?
  • How long have they worked with personal auto insurance coverage?
  • Are they full-time agents?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are there any discounts that you might be missing?

Upon receiving answers to your satisfaction for all questions you ask and a low price estimate, you’ve probably found an insurance agency that meets your needs to properly insure your vehicles.

Additional car insurance information can be read on the website for the Georgia Insurance and Safety Fire Commissioner located here. Visitors are able to find disaster information, file complaints about an insurance agent or broker, and view agent and company licensing information.

More related Smyrna car insurance information:

One last thing about your coverage

Cost effective car insurance can be purchased on the web and also from your neighborhood Smyrna agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide online quoting and these small insurance companies work with independent agents.

As you shop your coverage around, do not reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits and learned later that it was a big error on their part. Your aim should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

In this article, we presented many ideas to save on car insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the best prices are with some of the lesser-known companies. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.