If price shopping auto insurance online is new to you, it’s easy to get confused by the hoards of online auto insurance companies and websites all offering big savings in Atlanta.
It’s a good habit to do rate comparisons periodically due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest price a couple years back you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about auto insurance because we’re going to show you how to use online quotes to lower your annual insurance bill.
Smart consumers have a good feel for some of the elements that play a part in calculating your auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to big savings.
Shown below are a few of the “ingredients” companies use to determine prices.
Companies that sell car insurance do not advertise every discount in an easy-to-find place, so we took the time to find some of the best known and the more hidden ways to save on auto insurance.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.
A small number of people just want to buy from a local agent and that is OK! The best thing about comparing rates online is you may find the best rates but still work with a licensed agent.
After completing this short form, the coverage information is submitted to insurance agents in Atlanta who will battle for your coverage. There is no need to leave your house because quoted prices will be sent immediately to your email address. How cool is that?! You’ll get the best rates without the usual hassles of price shopping.
Deciding on an insurance company requires more thought than just the price. Some important questions to ask are:
When searching for local Atlanta agents, there are two types of insurance agents to choose from. Agents are either captive or independent (non-captive).
This type of agents have only one company to place business with like Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. Captive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers sometimes buy insurance from these agents mostly because of the prominence of the brand and strong financial ratings.
Shown below is a short list of captive insurance agencies in Atlanta that are able to give rate quotes.
Independent agencies do not work for one specific company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include at least one independent agent to have the most options to choose from. They also have the ability to place coverage with lesser-known insurance companies which can be an advantage.
The following is a list of independent agents in Atlanta that can give you comparison quotes.
For a complete listing of Atlanta insurance agents, go to this page.
After getting satisfactory answers to any questions you have and an affordable coverage quote, most likely you have located an insurance agency that will properly insure your vehicles.
More tips and info about auto insurance is available at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to view a list of available companies, find disaster information, find out industry alerts, and read industry bulletins.
Budget-conscious auto insurance is definitely available online and also from your neighborhood Atlanta agents, so you should compare both in order to have the best price selection to choose from. A few companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.
As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. Too many times, someone sacrificed collision coverage and discovered at claim time that it was a big error on their part. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Insureds leave their current company for a number of reasons such as delays in paying claims, unfair underwriting practices, questionable increases in premium or high prices. It doesn’t matter what your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.