Easy Methods to Save Money on Atlanta Auto Insurance

Finding the lowest cost Atlanta auto insurance online can be challenging for beginners to comparing rates online. With dozens of online companies available, how can consumers even start to compare every one to find the cheapest available price?

Where Can I Get Cheap Atlanta Auto Insurance?

Effectively comparing auto insurance prices can be a lot of work if you don't know the fastest way to get free quotes. You could spend your day talking to insurance agencies in Atlanta, or you could save time and use the web for quick rates.

All the larger companies participate in a marketplace that allows shoppers to enter their policy data once, and each participating company provides a quote for coverage. This prevents consumers from doing form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is you are unable to specify which companies to get pricing from. If you wish to select individual companies to compare, we have assembled a list of auto insurance companies in Georgia. Click to view list.

Whichever method you choose, make sure you use apples-to-apples information for each price quote. If you use higher or lower deductibles it's impossible to truly determine the lowest rate in Atlanta.

auto insurance in Atlanta

Understand what determines the rate you pay

It's important that you understand the factors that help determine the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in better auto insurance rates.

  • Don't buy coverages you don't need - There are a ton of add-on coverages that you can get tricked into buying on your auto insurance policy. Things like vanishing deductibles, accidental death and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Rural vs Urban Areas - Residing in a small town is a positive aspect when insuring your vehicles. Urban drivers have to deal with more traffic problems and a longer drive to work. Less people living in that area means reduced accidents.
  • Careful drivers pay lower rates - Only having one moving violation may increase your cost twenty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers with flagrant tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Do you have a high stress job? - Did you know that where you work can have an impact on rates? Occupations such as lawyers, social workers and stock brokers are shown to have the highest rates because of high stress and long work hours. On the other hand, occupations like pilots, students and performers pay the least.
  • Older drivers save more - Teen drivers in Georgia are known to get distracted easily when driving so auto insurance rates are higher. Adding a youthful driver onto your auto insurance can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and are safer drivers.

How much can you save with discounts?

Companies offering auto insurance don't always advertise all available discounts very well, so we break down both well-publicized as well as the least known discounts you could be receiving. If you don't get every credit you deserve, you're just leaving money on the table.

  • Driver Safety - Taking a course in driver safety could cut 5% off your bill depending on where you live.
  • Life Insurance Discount - Some companies give a break if you buy life insurance from them.
  • Auto/Home Discount - When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Good Student Discount - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Club Memberships - Participating in a professional or civic organization may earn a discount when buying auto insurance.

It's important to note that some credits don't apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck.

For a list of insurers who offer auto insurance discounts in Georgia, click here.

How much car insurance do I need?

When it comes to choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone's situation is a little different.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Do I qualify for additional discounts?
  • Why am I required to get a high-risk car insurance policy?
  • Should I file a claim if it's only slightly more than my deductible?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. 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. Georgia consumers can discover disciplinary actions, view agent and company licensing information, and file complaints about a company.

Other useful links include this resource for Georgia auto insurance prices and this link which helps you find a Atlanta agent.

Georgia auto insurance quotes

A tidy conclusion

Lower-priced auto insurance can be purchased online in addition to many Atlanta insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, don't be tempted to reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

You just read a lot of ways to lower your auto insurance rates. The most important thing to understand is the more companies you get rates for, the better chance you'll have of finding lower rates. You may even discover the best price on auto insurance is with some of the lesser-known companies.