Atlanta, GA Car Insurance Savings the Insurance Agents Don’t Want You to Know About
Are you overwhelmed by the sheer number of car insurance options in Atlanta? You’re not the only one! Consumers have so many companies to choose from that it can turn into a challenge to find the perfect company for you.
Take discounts and save
Insurance can be prohibitively expensive, buy you may qualify for discounts that can drop the cost substantially. Some discounts apply automatically at the time you complete a quote, but some must be specifically requested before you get the savings.
- Defensive Driving Course – Successfully completing a driver safety course could save 5% or more if you qualify.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
- Resident Student – Children who live away from home without a vehicle on campus can receive lower rates.
- Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
- Military Rewards – Having a family member in the military can result in better rates.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
- Theft Prevention System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
- Low Mileage – Fewer annual miles could qualify for a substantially lower rate.
- Early Switch Discount – A few companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.
- Senior Discount – If you’re over the age of 55, you may be able to get reduced rates.
Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. But any discount will help you buy cheaper car insurance in Atlanta.
Free Atlanta Car Insurance Quotes
The are a couple different ways to compare rate quotes from different in Atlanta, Georgia insurance companies. The recommended way to compare insurance prices is to use the internet to compare rates. This can be accomplished in a couple of different ways.
- The most efficient way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This form keeps you from doing a different quote to each individual car insurance company. In just a few minutes this one form will get you price quotes . This is perfect if you don’t have a lot of time.
- Another way to get quotes online is spending the time to visit the website for every company you want to compare to complete a price quote. For sake of this example, let’s say you want to compare State Farm, Farmers and GMAC. To find out each rate you need to go to every website and enter your policy data, and that’s why the first method is more popular. To view a list of companies in Atlanta, click here.
Whichever way you use, double check that you are using identical quote information for each price quote. If you compare different deductibles it will be impossible to determine the lowest rate in Atlanta. Quoting even small variations in coverage limits can make a big difference in price. Just keep in mind that comparing a large number of companies will enable you to find better pricing.
Quote often and quote early
As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice full coverage and discovered at claim time that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
Consumers who switch companies do it for a number of reasons such as poor customer service, unfair underwriting practices, policy non-renewal and even not issuing a premium refund. Regardless of your reason for switching companies, finding a new car insurance company can be pretty painless.
You just learned many ideas to compare car insurance prices online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with the least-expected company.