Things You Must Know Before Shopping for Dunwoody, GA Car Insurance Online

Are you sick and tired of trying to scrape together enough money to buy car insurance? You are no different than the majority of other car owners in Georgia.

Because there are so many insurance providers from which to choose, it can be hard to pick the best insurer.

It’s a good idea to check car insurance prices every six months since rates tend to go up over time. Just because you had the best deal two years ago other companies may now be cheaper. You can find a lot of wrong information about car insurance online but with this article, you’re going to get some excellent ideas to find cheap car insurance.

Finding the best rates in Dunwoody is easy if you know what you’re doing. If you have car insurance now, you will be able to save some money using this information. Nevertheless, Georgia drivers must comprehend how insurance companies market insurance on the web and take advantage of how the system works.

Vehicle Insurance Comparison

Most companies allow you to get coverage prices on the web. The process doesn’t take a lot of time as you just enter your personal and coverage information as detailed in the form. After you submit the form the company’s rating system orders your credit score and driving record and gives you a price quote based on these factors. Online price quotes helps simplify price comparisons, but the process of having to visit a lot of sites and enter the same data into a form is repetitive and time-consuming. But it is imperative to perform this step if you want to find lower prices.

A quicker way to compare rates makes use of a single form to get prices from several different companies. The form is fast, helps eliminate reptitive entry, and makes online shopping a little more enjoyable. After your information is entered, it gets priced and you can select any of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To save time and fill out one form to compare multiple rates now, click here and input your coverage information. If you have a policy now, it’s recommended you input the coverages exactly as shown on your declarations page. This makes sure you will receive a fair comparison for exact coverage.

Lots of discounts mean lots of savings

Car insurance companies don’t always list every available discount in an easy-to-find place, so the following is a list of some of the more common and the more hidden savings tricks you should be using.

  • No Claims – Drivers who don’t have accidents pay much less compared to accident-prone drivers.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Save with a New Car – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Driver Safety – Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up to age 25.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

To choose insurance companies with discount car insurance rates in Georgia, click this link.<img class="alignright" style="padding-top:15px;" src="" alt="Dunwoody Georgia car insurance prices”/>

Components of your insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for car insurance. Understanding what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes a partial list of the pieces car insurance companies consider when setting prices.

  • Women pay lower rates – Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both are in accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • Where you live is a factor – Residing in a rural area is a positive aspect when insuring your vehicles. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident.
  • Your job and insurance rates – Jobs such as judges, social workers and dentists tend to have the highest average rates due to high stress levels and lengthy work days. Other occupations like pilots, historians and the unemployed receive lower rates.
  • Your age impacts your rates – Young drivers in Georgia are known to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • More performance means more cost – The make and model of the car you own makes a significant difference in your rates. The lowest rates are generally reserved for small economy passenger cars, but the final cost of insurance is determined by many other factors.

Do I need a local agent?

A small number of people prefer to talk to a local agent and that is a personal choice. One of the best bonuses of comparing rates online is that you can obtain better rates and still choose a local agent.

To make it easy to find an agent, after completing this simple form, your coverage information is sent to local insurance agents in Dunwoody who will give you bids for your coverage. You won’t need to leave your house because quoted prices will be sent to your email. It doesn’t get any easier! You’ll get the best rates and work with a local agent.

Selecting a company requires more thought than just the bottom line cost. These questions are important to ask:

  • Is the agent and/or agency licensed to do business in Georgia?
  • Is the agency involved in supporting local community causes?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Is working in the agency their full-time job?
  • Is assistance available after office hours?

Types of insurance agents in Dunwoody

If you’re trying to find a reliable agent, there are a couple of types of agencies from which to choose. Agencies in Dunwoody are categorized either independent or captive.

Captive Agents

These agents write business for a single company and some examples include State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so they have no alternatives for high prices. These agents are well schooled on the products they sell which can be an advantage.

The following is a list of captive agencies in Dunwoody that can give you comparison quotes.

State Farm Insurance – 2462 Jett Ferry Rd # 310 – Dunwoody, GA 30338 – (770) 394-7918
Allstate Insurance – 1705 Mount Vernon Rd # D – Dunwoody, GA 30338 – (770) 399-6959

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with many different companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.

When shopping rates, we recommend you include several independent insurance agents for maximum quote selection.

Below is a short list of independent insurance agents in Dunwoody that are able to give comparison quotes.

Southern Insurance Assoc – 2394 Mount Vernon Rd – Dunwoody, GA 30338 – (770) 392-1818
1776 Insurance Brokers – 4360 Georgetown Sq # 811 – Dunwoody, GA 30338 – (770) 457-1776
Charlies Williams Agency – 1340 Center Dr # 101 – Dunwoody, GA 30338 – (770) 394-9700
Bowen Agency – 2406 Mount Vernon Rd – Dunwoody, GA 30338 – (770) 350-9650

For a full directory of insurance agents in Dunwoody, please view this page.

Upon receiving satisfactory answers to your questions and an affordable coverage quote, it’s possible that you found an auto insurance agent that will properly service your car insurance policy.

Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to file complaints about a company, learn about insurance regulations, find a variety of consumer forms, and find out which companies have the most complaints.

Better coverage you can count on

Low-cost car insurance can be found both online as well as from independent agents in Dunwoody, and you should be comparing both to get a complete price analysis. Some insurance providers don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone dropped full coverage to discover at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.