Things You Must Know Before Buying Roswell Georgia Auto Insurance Online

Nobody I know likes paying for auto insurance, in particular when the cost is way too high. Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the best price available.

Components of your insurance rates

An important part of buying insurance is that you know the different types of things that help determine your auto insurance rates. Knowing what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Don’t let your coverage lapse – Not having insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. Not only will you pay more, getting caught without coverage may earn you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with the Georgia department of motor vehicles.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. Safer cars protect occupants better and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Theft deterrents lower rates – Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Older drivers save more – Teen drivers in Georgia tend to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Men are more aggressive – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Men and women are in accidents in similar numbers, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Young males are most likely to cause an accident and therefore are the most expensive to insure.
  • Do you need those extra coverages? – There are many additional coverages that can waste your money when buying auto insurance. Coverages for vanishing deductibles, accident forgiveness and membership fees may be wasting your money. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.
  • Type of vehicle determines base rates – The type of vehicle you are buying insurance for makes a substantial difference in determining your rates. Lower performance four cylinder passenger cars generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.

Comprehensive Auto Insurance Comparison in Roswell

Most major insurance companies like Progressive, GEICO, Allstate and State Farm provide insurance quotes on their websites. This process is fairly simple as you just enter your personal and coverage information as detailed in the form. Once you submit the form, the system will order reports for credit and driving violations and quotes a price. Online quotes helps simplify price comparisons, but the time required to go to many different websites and complete many quote forms is monotonous and tiresome. But it is imperative to do this if you are searching for the best price possible.

The better way to compare rates

A quicker way to lower your auto insurance bill is to use a quote form to return rates from more than one company. The form is fast, eliminates repetitive work, and makes comparison shopping much easier to do. After your information is entered, it is quoted and you can choose your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The entire process takes just a few minutes to complete and may result in a nice savings.

To use this form to compare rates, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you enter the coverage information as close as possible to your current policy. This ensures you’re receiving rate comparison quotes based on similar coverages.

Save $400 a year. For real?

Georgia drivers constantly see and hear ads for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings if you change your policy.

But how can every company say the same thing? This is how they do it.

All companies are able to cherry pick for the type of driver that is profitable for them. For instance, a desirable insured might be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for these standards will be quoted higher prices and ends up with business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently claim big savings. This emphasizes why you need to get quotes from several different companies. It is impossible to predict which insurance companies will fit your personal profile best.

Cut your auto insurance rates with discounts

Auto insurance companies don’t always publicize all their discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find auto insurance savings. If you aren’t receiving every discount available, you are throwing money away.

  • E-sign – A handful of insurance companies may give you up to $50 simply for signing on their website.
  • Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount with certain companies.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that insurance image

To choose insurers with discount auto insurance rates in Roswell, follow this link.

But I want to work with a local agent

A small number of people prefer to visit with an insurance agent and that is a personal choice. Agents can answer important questions and help submit paperwork. One of the great benefits of getting online price quotes is that you can obtain lower rates and still have an agent to talk to.

To find an agent, once you fill out this simple form, your insurance coverage information is emailed to agents in your area who will give you bids for your coverage. You never need to leave your house since price quotes are sent immediately to your email address. How’s that for easy!

Deciding on a company shouldn’t rely on just the price. Ask your prospective agent these questions:

  • Do the companies they represent have a solid financial rating?
  • Can glass repairs be made at your home?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Did they already check your driving record and credit reports?
  • Who are their largest clients?
  • Which insurance companies are they affiliated with?
  • Is the agent and/or agency licensed to do business in Georgia?
  • Do they regularly work with personal auto policies?

Types of insurance agents in Roswell

When finding local Roswell agents, you must know there are a couple types of insurance agents that you can select. Agencies in Roswell are categorized either captive or independent (non-captive). While both can write coverage properly, but it’s good to learn how they are different since it can impact buying decisions.

Captive Agents

Captive agencies write business for a single company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so always compare other rates. Captives are well schooled in insurance sales which helps them sell insurance even at higher premiums.

Listed below are captive insurance agents in Roswell who can help you get price quotes.

State Farm Insurance – 4651 Sandy Plains Rd # 103 – Roswell, GA 30075 – (770) 998-0808
Ga Farm Bureau – 475 W Crossville Rd – Roswell, GA 30075 – (770) 643-6787
Allstate Insurance – 138 Marietta Hwy – Roswell, GA 30075 – (770) 645-9010
Liberty Mutual Insurance – 626 Holcomb Bridge Rd # 500 – Roswell, GA 30076 – (770) 998-2045

Independent Agencies or Brokers

Independent agents do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.

When shopping rates, we recommend you contact at a minimum one independent agency to have the most options to choose from.

The following are Roswell independent agents that are able to give price quotes.

Markey Agency – 1570 Holcomb Bridge Rd # 550 – Roswell, GA 30076 – (770) 641-1200
Bottom Line Insurance Conslnts – 9310 N Lake Dr – Roswell, GA 30076 – (770) 643-6932
Boardman Agency – 5005 Roxburgh Dr – Roswell, GA 30076 – (770) 752-9944
Trinity Insurance Marketing – 490 Sun Valley Dr – Roswell, GA 30076 – (770) 650-9004
Derrick Campbell Agency – 11285 Elkins Rd – Roswell, GA 30076 – (770) 569-4755

To view a full list of licensed insurance agents in Roswell, click here to link.

Once you have received answers to your satisfaction for all questions you ask and a low price estimate, most likely you have located an insurance agent that will insure your vehicles.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine if your situation will benefit from professional help.

  • Do I need to file an SR-22 for a DUI in Georgia?
  • When would I need rental car insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when pulling a rental trailer?
  • What is high-risk coverage and where do I buy it?
  • Do I need motorclub coverage?
  • Am I getting all the discounts available?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Even more information is located at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can read consumer alerts, read enforcement actions against agents and companies, and find a variety of consumer forms.

Quote often and quote early

Cost effective auto insurance is definitely available on the web and also from your neighborhood Roswell agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We’ve covered some good ideas how to lower your auto insurance rates. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a small mutual company. These companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.