Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say many Macon consumers feel financially strained by their car insurance policy. Numerous auto insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the cheapest price
It’s important to compare rates every six months since rates trend upward over time. Just because you found the lowest rates last year you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.
Effectively comparing car insurance prices can be exhausting if you aren’t aware of the best way to get rate quotes. You could waste a few hours talking about coverages with insurance agencies in Macon, or you could save time and use online quoting for quick rates.
Many companies participate in an industry program that allows shoppers to send in one quote, and at least one company can give them a price determined by their information. This eliminates the need for form submissions to every company.
To compare rates using this form now click to open in new window.
The single downside to doing it this way is you can’t choose which insurance companies to get pricing from. So if you prefer to choose specific providers for rate comparison, we have a listing of the cheapest car insurance companies in Georgia. Click here for list of insurance companies in Georgia.
It doesn’t matter which method you choose, just ensure you are comparing the exact same coverage information for every quote you compare. If you have different deductibles it will be very difficult to determine which rate is truly the best in Macon.
Companies do not advertise every available discount very well, so we researched some of the more common and the harder-to-find ways to save on car insurance. If you don’t get every credit possible, you are throwing money away.
As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, it doesn’t quite work that way.
To see a list of insurance companies with the best car insurance discounts in Macon, follow this link.
Smart consumers have a good feel for the rating factors that play a part in calculating car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.
Some people would prefer to get advice from a local agent. Insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of getting online price quotes is you can get lower rates but still work with a licensed agent.
By using this simple form, your insurance coverage information is transmitted to local insurance agents in Macon who will give you bids for your coverage. There is no need to visit any agencies due to the fact that quote results will go straight to your inbox. How’s that for easy!
Selecting an provider shouldn’t rely on just the bottom line cost. Agents should be asked these questions:
When researching local Macon agents, there are two types of agencies to choose from. Agencies in Macon are classified as either independent (non-captive) or captive. While both can do a good job, but it’s worth mentioning how they are different since it may influence the type of agent you choose
Captive agents have only one company to place business with and some examples include Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so keep that in mind. Captives are well schooled on their products and sales techniques and that can be a competitive advantage.
Below is a list of captive agencies in Macon that can give you price quotes.
Georgia Farm Bureau Ins Co – 1620 Bass Rd – Macon, GA 31210 – (478) 474-8411
State Farm Insurance – 1062 Gray Hwy – Macon, GA 31211 – (478) 741-3638
Allstate Insurance – 1755 Shurling Dr – Macon, GA 31211 – (478) 741-9987
Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.
When searching for an agent, it’s recommended you include at least one independent agent to have the most options to choose from.
Shown below is a short list of independent agents in Macon willing to provide rate quotes.
Reinsurance Solutions Intl – 3920 Arkwright Rd – Macon, GA 31210 – (478) 471-4299
Cleve Rogers Agency – 4357 Forsyth Rd # 230b – Macon, GA 31210 – (478) 471-8344
C K Insurance – – Macon, GA 31210 – (478) 471-8378
Long Agency – 3333 Northside Dr # C – Macon, GA 31210 – (478) 474-1877
Direct General Ins Agency – 630 Shurling Dr – Macon, GA 31211 – (478) 746-7960
For a complete listing of licensed insurance agents in Macon, please click here.
Upon receiving positive feedback for all questions you ask and a low price estimate, you’ve probably found an auto insurance agent that will service your policy.
When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can help discover if your situation might need professional guidance.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.
Additional detailed information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read enforcement actions against agents and companies, read state legal mandates and laws, and get help finding coverage.
We just presented quite a bit of information on how to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the most savings is with some of the smallest insurance companies. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.
Discount car insurance is definitely available on the web and also from your neighborhood Macon agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and these smaller companies work with independent agents.
When trying to cut insurance costs, do not skimp on coverage in order to save money. There have been many situations where consumers will sacrifice full coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate.