Top 8 Ways You Can Buy Car Insurance for Less in Lawrenceville Georgia

Are you overwhelmed by the dozens of car insurance company choices in Lawrenceville? Lot’s of other consumers are too. People have so many options available that it can quickly become a challenge to compare prices.

If you currently have a car insurance policy, you should be able to save some money using these techniques. Shopping for affordable car insurance coverage in Lawrenceville is easy if you know what you’re doing. But Georgia car owners need to learn how companies market on the web and use this information to your advantage.

Automobile Insurance Quotes in Lawrenceville, GA

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm allow you to get price estimates online. This process is fairly straightforward as you simply type in the coverage amounts you desire into a form. After the form is submitted, their system obtains your driving and credit reports and generates pricing information.

Quoting online streamlines rate comparisons, but the time required to go to different websites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you want to find the best price on car insurance.

Rate comparisons made easy

The smarter way to compare rates requires only one form that obtains quotes from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes online quotes much simpler. After sending your information, it is quoted and you can choose any one of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and find out how much you can save on car insurance, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you complete the form with exactly as shown on your declarations page. This ensures you will receive comparison quotes based on similar coverages.

How much can you save with these eight discounts?

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be specifically requested before they will apply.

Accident Waiver – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.
Clubs and Organizations – Affiliation with a qualifying organization is a good way to get lower rates on car insurance.
Government Employees – Employees or retirees of the government can save as much as 8% with certain companies.
Auto/Home Discount – If you insure your home and vehicles with one company you could get a discount of 10% to 20% off each policy.
Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.

It’s important to note that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck. But any discount will cut your overall premium however.

Are insurance agents obsolete?

A small number of people prefer to talk to a local agent and that is just fine! One of the great benefits of comparing rates online is the fact that you can find the lowest rates and still choose a local agent. Supporting small agencies is important especially in Lawrenceville.

Upon completion of this form (opens in new window), your information is sent to local insurance agents who will compete for your coverage. You never need to even leave your home because quoted prices will be sent directly to your email. It’s the lowest rates AND an agent nearby.

The type of insurance agency you choose is important

When researching a good insurance agency, there are two different agency structures that you can select. Insurance agencies in Lawrenceville are categorized either independent (non-captive) or captive.

Independent Agents (or Brokers)

Independent agents do not work for one specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies.

When searching for an agent, it’s recommended you get quotes from at a minimum one independent agency to have the most options to choose from. Most have the option of insuring with different regional companies who may have lower rates.

The following is a list of independent agencies in Lawrenceville that can give you comparison quotes.

Bill Winn Agency – 250 Langley Dr # 1313 – Lawrenceville, GA 30045 – (770) 963-2178
Direct General Ins Agency – 250 Grayson Hwy – Lawrenceville, GA 30045 – (770) 962-9990
Peachstate Insurance – 2449 Lawrenceville Hwy – Lawrenceville, GA 30044 – (770) 277-4779
Stuckey Agency Inc – 695 Lyle Cir # E – Lawrenceville, GA 30045 – (770) 339-4333
Alfa Insurance Corp – 1674 Lawrenceville Suwanee Rd – Lawrenceville, GA 30043 – (770) 237-8686

Captive Agents

Captive agencies work for only one company and some examples include American Family, Liberty Mutual and AAA. These agents are unable to place coverage with different providers so they have to upsell other benefits. They are trained well in insurance sales and that can be a competitive advantage. Some consumers prefer to purchase coverage from captives primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Listed below is a list of captive insurance agencies in Lawrenceville that are able to give comparison quotes.

Farm Bureau Insurance – 1150 Cripple Creek Dr – Lawrenceville, GA 30043 – (770) 963-6209
State Farm Insurance – 3340 Sugarloaf Pkwy # B – Lawrenceville, GA 30044 – (770) 339-7950
Liberty Mutual Insurance – 875 Oak Rd # 104 – Lawrenceville, GA 30044 – (770) 972-2859
Allstate Insurance – 175 Gwinnett Dr # 250 – Lawrenceville, GA 30045 – (770) 963-9000

To view a full list of Lawrenceville captive insurance agents, visit this site.

Choosing a car insurance agent shouldn’t rely on just the premium amount. Any agent should have no problem answering these questions:

Which company do they place the most coverage with?
Will your rates increase after a single accident?
Will their companies depreciate repairs to your car based on the mileage?
Who are their largest clients?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Once you have positive responses to these questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that can insure your vehicles. Just keep in mind policyholders can cancel your coverage any time you want so don’t assume you are locked into any specific agency with no way to switch.

More information is available on the Georgia Insurance and Safety Fire Commissioner website. Click here for link. Consumers can view a list of available companies, read industry bulletins, read state legal mandates and laws, and read enforcement actions against agents and companies.

Slick advertising tricks that work

Car insurance providers like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all have a common claim of big savings if you switch your policy. But how can every company claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of driver they prefer to insure. An example of a desirable insured could be over the age of 50, has no prior claims, and chooses high deductibles. A propective insured who fits that profile will get very good rates and most likely will save when switching.

Potential customers who don’t qualify for these standards must pay more money which usually ends up with the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that much. This is how insurance companies can confidently advertise the way they do.

This illustrates why it is so important to compare as many rates as you can. Because you never know which insurance companies will fit your personal profile best.

Educate yourself about car insurance coverages

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as EMT expenses, funeral costs, chiropractic care and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage covers damage to your vehicle from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with a tree, sideswiping another vehicle, hitting a parking meter, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (25/50/25 in Georgia), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, fire damage, falling objects and hitting a bird. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

This can cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as loss of income, structural damage, repair costs for stationary objects and medical expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford. Georgia state minimum liability requirements are 25,000/50,000/25,000 but drivers should carry better liability coverage.

A little work can save a LOT of money

Cheap car insurance can be purchased on the web and also from your neighborhood Lawrenceville agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Consumers who switch companies do it for any number of reasons including being labeled a high risk driver, delays in paying claims, policy non-renewal or even poor customer service. Regardless of your reason for switching companies, finding a new company can be easier than you think.

You just learned a lot of information how to lower your car insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the lowest priced car insurance comes from a lesser-known regional company.