Buy Alpharetta Car Insurance Like a Tightwad

Have you had enough of paying out the nose to insure your vehicles every month? Your situation is no different than most other car owners in Georgia.

With so many companies and agents to choose from, it is hard for the average consumer to find the best car insurance company.

Choosing the best insurance company for you in Alpharetta is quite easy. If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Nevertheless, Georgia consumers do need to learn the way companies sell insurance online and apply this information to your search.

How to Compare Car Insurance Quotes in Alpharetta, GA

To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The simplest method to find the lowest rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

The recommended way to get the best comparison quotes is a comparison rater form click to view form in new window. This form saves time by eliminating boring form submissions for each company. One form submission will return quotes .

A harder way to get quotes online requires a visit to each company’s website to request a price quote. For example, let’s assume you want comparison quotes from State Farm, Allstate and Farmers. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

For a handy list of car insurance company links in Alpharetta, click here.

The most time-consuming method of getting rate comparisons is to spend time driving to local insurance agencies. The internet makes this process obsolete unless you prefer the personal advice only provided by licensed agents. However, consumers can comparison shop online and still use a local agent. We’ll cover that shortly.

It’s up to you which method you use, but compare apples-to-apples coverages with every price quote. If you are comparing different liability limits then you won’t be able to truly determine the lowest rate in Alpharetta. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding a better price.

Take advantage of discounts

Companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Discount for New Cars – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Clubs and Organizations – Belonging to certain professional organizations could trigger savings when shopping for car insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of 20% or more.
  • Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Student in College – Any of your kids who are attending college and do not have a car may qualify for this discount.
  • No Accidents – Claim-free drivers pay less compared to bad drivers.
  • Military Rewards – Having a deployed family member can result in better rates.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurers with discount car insurance rates in Georgia, click here to view.

What about using a local agent?

Some consumers would prefer to visit with an insurance agent and that is just fine! One of the best bonuses of getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to.Alpharetta car insurance

Once you complete this short form, the quote information is emailed to insurance agents in Alpharetta who will return price quotes for your business. There is no reason to leave your house as quotes are delivered immediately to your email address. How cool is that?! You’ll get the best rates and an insurance agent to talk to.

Picking a company requires more thought than just a cheap price. Any agent should have no problem answering these questions:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Does the company allow you to choose your own collision repair facility?
  • Did they already check your driving record and credit reports?
  • Will your rates increase after a single accident?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do they make recommendations based only on price?

Types of auto insurance agents in Alpharetta

When finding a good insurance agency, you must know there are a couple different types of agents from which to choose. Insurance agencies in Alpharetta are categorized either captive or independent.

Captive Insurance Agents

Captive insurance agents have only one company to place business with like Allstate, State Farm and Farmers Insurance. These agents are unable to compare other company’s rates so always compare other rates. Captive agencies are well schooled on their company’s products which helps them sell insurance even at higher premiums.

Shown below is a short list of captive insurance agencies in Alpharetta who may provide you with rate quotes.

State Farm Insurance – 700 Alpha Ct – Alpharetta, GA 30004 – (770) 442-1440
Allstate Insurance – 8560 Holcomb Bridge Rd # 200 – Alpharetta, GA 30022 – (770) 650-8535
Liberty Mutual – 1100 Alderman Dr – Alpharetta, GA 30005 – (770) 475-8683

Independent Insurance Agents

These agents are not locked into one company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent.

When shopping rates, you should always contact several independent insurance agents for maximum quote selection.

The following is a list of independent insurance agencies in Alpharetta willing to provide rate quotes.

Wausau Commercial Insurance – 925 N Point Pkwy – Alpharetta, GA 30005 – (770) 569-4889
Genesee General Agency Inc – 1220 Old Alpharetta Rd – Alpharetta, GA 30005 – (770) 396-1600
Mark Gilliam Agency – 3556 Old Milton Pkwy – Alpharetta, GA 30005 – (770) 442-3155
Alpharetta Agency Inc – 4825 Highway 9 N # 200 – Alpharetta, GA 30004 – (770) 442-9969
Overseas Insurance Consultants – 700 Alpha Ct # C – Alpharetta, GA 30004 – (770) 663-0114

To view a complete directory of car insurance agents in Alpharetta, visit this site.

After receiving satisfactory answers to all your questions and an acceptable price quote, you’ve probably found an insurance agency that is a good match to adequately provide car insurance.

Alpharetta car insurance

What is the best insurance coverage?

When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • What is the minimum liability in Georgia?
  • How many claims can I have before being cancelled?
  • Why does it cost so much to insure a teen driver in Alpharetta?
  • Am I covered when driving in Canada or Mexico?
  • Should I buy more coverage than the required Georgia minimum liability coverage?
  • How do I file an SR-22 for a DUI in Georgia?
  • Does my personal policy cover me when driving my company car?
  • Should I sign the liability waiver when renting a car?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Components of your insurance rates

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get better car insurance rates.

The following are a partial list of the pieces companies use to determine your rates.

  • Teen drivers pay high rates – Youthful drivers in Georgia are known to get distracted easily behind the wheel so they pay higher car insurance rates. Having to add a teenage driver to your car insurance policy can break the bank. Older drivers are more responsible, tend to file fewer claims and get fewer tickets.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Where you live – Choosing to live in a small town can save you money when insuring your vehicles. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Car insurance companies in Georgia provide discounts to insureds who are claim-free. Car insurance is meant to be used in the event of larger claims.

And the best car insurance company is…

When shopping online for car insurance, you should never buy poor coverage just to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to find out they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Affordable car insurance is possible on the web and with local Alpharetta insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Additional car insurance links

More tips and info about car insurance can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can read enforcement actions against agents and companies, get help finding coverage, download brochures, and read industry bulletins.

Other informative sites include’s Car Insurance: When not to Skimp and this link which helps you find a Alpharetta agent.