6 Must-Know Tips When Comparing Lawrenceville, GA Car Insurance

Overpriced car insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket. With so many car insurance companies to choose from, it can be challenging to locate the best company.

You should take the time to compare prices at least once a year since rates are variable and change quite frequently. If you had the lowest rates a couple years back there may be better deals available now. You can find a lot of wrong information about car insurance on the web, but I’m going to show you the easiest ways to buy car insurance cheaper.

Buying car insurance in Lawrenceville is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can follow these tips to reduce the price you pay and still get good coverage. Georgia drivers just need to learn the proper methods to buy car insurance on the web.

How to Buy Lawrenceville Car Insurance Online

All major car insurance companies such as State Farm, Allstate and GEICO quote price estimates directly from their websites. This process is quite simple as you just type in your coverage preferences into the quote form. When the form is submitted, their system will obtain information on your driving record and credit history and provides a quote. This makes it a lot easier to compare rates but the time it takes to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to get better prices.

The better way to compare rates

The easiest way to compare car insurance pricing is to use a quote form that analyzes rates from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much easier. After sending your information, it is quoted and you are able to buy any of the price quotes you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly get comparison pricing now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you replicate coverages and limits as shown on your current policy. This ensures you’re receiving rate comparison quotes using the exact same coverages.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so we break down both the well known and the harder-to-find car insurance savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Student in College – Any of your kids who are attending college without a vehicle on campus can receive lower rates.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Driver Safety – Completing a course in driver safety could cut 5% off your bill if your company offers it.
  • Paperwork-free – Certain companies give back up to $50 just for signing your application digitally online.

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck.

To choose providers with discount car insurance rates in Georgia, follow this link.Lawrenceville Georgia insurance ad

Comparing rates from local agents

Some consumers would prefer to get advice from a local agent and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of getting online price quotes is the fact that you can find better rates but also keep your business local.

After filling out this quick form, your information is immediately sent to participating agents in Lawrenceville who will give you bids for your business. You never need to leave your house due to the fact that quote results will go immediately to your email address. How cool is that?!

Selecting a company shouldn’t rely on just the bottom line cost. Some important questions to ask are:

  • If your car is totalled, how to they determine the replacement cost?
  • Who are their largest clients?
  • Does the company allow you to choose your own collision repair facility?
  • Did they already check your driving record and credit reports?
  • How much can you save by raising your physical damage deductibles?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Which company do they place the most coverage with?

Captive agents vs. Independent agents

When finding a local agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Lawrenceville are classified as either captive or independent. Both properly insure your vehicles, but it’s good to learn the differences since it can impact the selection process.

Agency Captives

Captive insurance agents have only one company to place business with such as Liberty Mutual, State Farm, Allstate and AAA. They usually cannot shop your coverage around so they have to upsell other benefits. They are usually quite knowledgeable on the products they sell and that can be a competitive advantage.

Below is a short list of captive agencies in Lawrenceville who may provide you with price quote information.

State Farm Insurance – 494 W Crogan St – Lawrenceville, GA 30045 – (770) 963-2459
Farm Bureau Insurance – 1150 Cripple Creek Dr – Lawrenceville, GA 30043 – (770) 963-6209
Liberty Mutual Insurance – 875 Oak Rd # 104 – Lawrenceville, GA 30044 – (770) 972-2859
Allstate Insurance – 3664 Club Dr # 204 – Lawrenceville, GA 30044 – (770) 237-3353

Independent Agents

These agents do not work for one specific company but rather can write business with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.

When comparison shopping, it’s recommended you contact at least one independent agent for maximum quote selection.

The following are independent insurance agencies in Lawrenceville willing to provide rate quotes.

Woodmen Of The World Insurance – 1844 Old Norcross Rd # 100 – Lawrenceville, GA 30044 – (678) 377-6261
Kevin Cassidy Insurance – 4825 Sugarloaf Pkwy # H – Lawrenceville, GA 30044 – (770) 963-8188
Stuckey Agency Inc – 695 Lyle Cir # E – Lawrenceville, GA 30045 – (770) 339-4333
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

Lawrenceville Georgia insurance ad

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

Once you have received acceptable answers to these questions and an affordable coverage quote, you’ve probably found an auto insurance agent that can properly insure your vehicles.

Lawrenceville Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that play a part in calculating car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to lower car insurance prices.

  • Please use or commuting – Driving more miles every year the higher your rate. The majority of insurers apply a rate based upon how you use the vehicle. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your car insurance coverage shows the proper vehicle usage, because it can save money.
  • Do you need those extra coverages? – There are a lot of additional coverages that you can buy on your car insurance policy. Coverages like vanishing deductibles, towing coverage and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so get rid of them and save.
  • Never allow your policy to lapse – Driving without insurance is against the law and your next policy will cost more because you let your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance can result in a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with the Georgia motor vehicle department.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Occupations like lawyers, social workers and financial analysts are shown to have higher average rates due to high stress and lengthy work days. Conversely, jobs such as scientists, engineers and performers pay the least.
  • The type of vehicle makes a difference – The make and model of the vehicle you own makes a substantial difference in the rate you pay. The cheapest insurance rates are usually for small economy passenger cars, but the final cost of insurance is determined by many other factors.
  • Better credit scores mean better rates – Having a bad credit score is a big factor in your rate calculation. Therefore, if your credit score is lower than you’d like, you could save money insuring your by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Men pay higher rates – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. They both tend to get into accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as reckless driving.

More quotes mean more savings

You just learned a lot of techniques 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 could even find that the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Cost effective car insurance can be sourced both online and also from your neighborhood Lawrenceville agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Learn more today

More tips and info about car insurance can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can find a variety of consumer forms, find out which companies have the most complaints, read industry bulletins, and file complaints about an insurance agent or broker.

Other useful links include these car insurance answers and this page for help finding agents in Lawrenceville, GA.