Car Insurance in Marietta, GA – 10 Discounts You May be Forgetting

Are you overwhelmed by the number of car insurance options in Marietta? Lot’s of other consumers are too. You have so many options available that it can quickly become a real hassle to find better rates.

Shopping for affordable car insurance in Marietta is easy if you know what you’re doing. Essentially everyone who shops for car insurance will more than likely be able to lower their premiums. Although Georgia vehicle owners can benefit by having an understanding of the way companies price online insurance and apply this information to your search.

Compare the Market for Car Insurance in Marietta

Performing a rate comparison can be challenging if you don’t utilize the most efficient way. You can waste a few hours (or days) talking about coverages with insurance companies in Marietta, or you could save time and use the internet to get pricing more quickly.

Most of the best insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company provides a quote based on the submitted data. This saves time by eliminating form submissions to each company.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose the companies to get quotes from. So if you prefer to choose from a list of companies to compare, we have a page of the cheapest car insurance companies in Georgia. View list of Georgia insurance companies.

Whichever way you use, ensure you are comparing the exact same coverage limits and deductibles with each company. If your comparisons have different limits and deductibles on each one it’s impossible to decipher which rate is best in Marietta. Having just a slight variation in insurance coverages can make a big difference in price. And when price shopping your coverage, having more price comparisons provides better odds of finding the best price.

Don’t believe everything you hear

Allstate and Progressive constantly bombard you with ads on television and other media. All the companies say the same thing that you can save if you switch your coverage to them. But how can every company make the same claim?

All the different companies have a preferred profile for the right customer that is profitable for them. A good example of a driver they prefer could be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A propective insured who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who do not match the requirements will be charged higher premiums and ends up with business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can make the claims of big savings.

That is why drivers must quote coverage with many companies. Because you never know the company that will fit your personal profile best.

These ten discounts can slash car insurance rates

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Some trigger automatically when you quote, but a few need to be requested specifically before you will receive the discount.

  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Distant Student – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Sign Online – A few companies will give a small break simply for signing online.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Defensive Driving Course – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

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

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • What are the financial responsibility laws in Georgia?
  • Which companies will insure high-risk drivers?
  • Am I covered when driving a rental car?
  • How high should my uninsured/underinsured coverage be in Georgia?
  • Do I need PIP coverage since I have good health insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.<img class="alignright" style="padding-top:15px" src="" alt="Marietta Georgia insurance quotes” />

Online quotes with a local Marietta insurance agent

Some consumers just want to sit down with an agent. One of the best bonuses of price shopping on the web is you can get lower rates but still work with a licensed agent. Buying from local businesses is especially important in Marietta.

Upon completion of this simple form, the quote information gets sent to local insurance agents who will battle for your business. You never need to leave your computer due to the fact that quote results will go immediately to your email address. It’s the lowest rates AND a local agent.

What type of Marietta auto insurance agent is right for you?

When researching a reputable insurance agent or broker, there are two types of insurance agents that differ in how they can insure your vehicles. Marietta agents can either be independent (non-captive) or captive.

Independent Agents (or Brokers)

Independent agencies are not required to write business for one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part.

When searching for an agent, it’s a good idea to contact several independent insurance agents to ensure the widest selection of prices. They often place coverage with smaller companies which may provide better rates.

Below are Marietta independent insurance agencies that may be able to provide price quotes.

  • B Forrest Myers General Agency – 4757 Canton Rd – Marietta, GA 30066 – (770) 592-2676
  • Nationwide Insurance – 1230 Johnson Ferry Pl – Marietta, GA 30068 – (770) 565-0627
  • Fredericks and John Insurance – 1732 Powers Ferry Rd SE – Marietta, GA 30067 – (770) 984-1444
  • Lincoln Agency – 2667 Powder Springs Rd SW #108 – Marietta, GA 30064 – (770) 943-8316
  • Quarles Agency Of Georgia Inc – 506 Roswell St SE # 240 – Marietta, GA 30060 – (770) 333-9091
Captive Insurance Agents

Captive agents can only place business with one company and examples are Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to compare other company’s rates so they have to upsell other benefits. Captive agencies are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Some people will only buy insurance from these agents partially due to the brand legacy and the convenience of having all coverages with one company.

The following is a list of captive insurance agencies in Marietta who can help you get price quotes.

  • Farm Bureau Insurance – 2850 Powder Springs Rd SW – Marietta, GA 30064 – (770) 943-3531
  • State Farm Insurance – 4880 Lower Roswell Rd # 20 – Marietta, GA 30068 – (770) 971-5112
  • Allstate Insurance – 2800 Delk Rd SE # A – Marietta, GA 30067 – (770) 952-7385
  • Liberty Mutual Insurance – 1100 Johnson Ferry Rd # 375 – Marietta, GA 30068 – (770) 977-2022

For a complete listing of captive agencies in Marietta, visit this site.

Deciding on a car insurance agent should depend on more than just the bottom line cost. These questions are important to ask:

  • Who are their largest clients?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they feel the quoted coverages are adequate?
  • What are the financial ratings for the companies they represent?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Which company do they place the most coverage with?

Once you have received good answers to all your questions as well as a affordable price, you have narrowed it down to an insurance agency that will properly insure your vehicles. Just keep in mind policyholders can cancel coverage at any time so never assume that you are obligated to your new company with no way out.

Auto insurance coverage information

Learning about specific coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, rehabilitation expenses, prosthetic devices and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your vehicle.

Due to the fact that many Georgia drivers only purchase the least amount of liability that is required (25/50/25 in Georgia), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, attorney fees, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Georgia requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying more coverage.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from a tornado or hurricane, hail damage and hitting a deer. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays for damage to your vehicle from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

More comparisons equals lower rates

Low-cost car insurance is attainable from both online companies and with local Marietta insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, never skimp on coverage in order to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

You just read many ways to compare car insurance prices online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the best prices are with a small mutual company.

More information is available on the Georgia Insurance and Safety Fire Commissioner website found here. Georgia drivers can find a variety of consumer forms, read state legal mandates and laws, and download brochures.

Also read more on Auto Insurance 101 and this link where you can get more info about Marietta coverage.