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.
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.
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.
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.
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:
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.
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
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
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.
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.
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.
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.