Nobody I know likes paying for auto insurance, particularly when the price is too high. Lots of insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to find the best rate
There are a lot of ways to compare auto insurance prices but one way is more efficient than others. You could waste a few hours talking to insurance companies in Dunwoody, or you could use online quoting to maximize your effort.
The majority of car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company then gives them pricing based on the submitted data. This saves time by eliminating repetitive form submissions for each company you want a rate for.
To submit your quote information now, click here (opens in new window).
The one downside to using this type of system is that consumers can’t choose which carriers to get pricing from. So if you want to choose specific providers to compare, we have assembled a list of auto insurance companies in Georgia. Click to view list.
It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages for each comparison quote. If you compare mixed coverages it will be very difficult to truly determine the lowest rate in Dunwoody.
Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Most are applied at the time you complete a quote, but less common discounts must be specially asked for prior to getting the savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.
It’s important to understand that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you can get free auto insurance, it just doesn’t work that way. But any discount will bring down the cost of coverage.
To choose insurance companies offering auto insurance discounts in Georgia, click this link.
Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.
Shown below are a few of the “ingredients” used by your company to calculate rates.
When buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight if you may require specific advice.
If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Additional information is available on the website for the Georgia Insurance and Safety Fire Commissioner located here. Consumers can find out industry alerts, view a list of available companies, get help finding coverage, and read state legal mandates and laws.
Georgia consumers can’t get away from ads that promise big savings from companies such as Allstate and Progressive. All the ads have a common claim about savings if you change your policy.
How does each company make almost identical claims?
All the different companies have a certain “appetite” for the driver that makes them money. For example, a driver they prefer could be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will get very good rates and is almost guaranteed to save quite a bit of money when switching.
Consumers who fall outside this ideal profile will have to pay a more expensive rate and ends up with business not being written. The ads state “people who switch” not “everyone that quotes” save that much money. That is how insurance companies can make those claims.
Because of the profiling, drivers should compare as many rates as you can. It is impossible to predict which auto insurance company will fit your personal profile best.
The cheapest auto insurance can be bought both online in addition to many Dunwoody insurance agents, so compare prices from both so you have a total pricing picture. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.
When buying insurance coverage, never skimp on coverage in order to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.