Are you a victim of high-priced auto insurance? Believe me, there are lots of people in the same boat.
With consumers having so many different company options, it can be diffult for consumers to find the most affordable company.
Finding the best rates in East Point is quite easy. If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. But Georgia vehicle owners must know the way insurance companies price insurance differently.
Compare the Market for Auto Insurance in East Point, Georgia
There are several ways you can shop for auto insurance but one way is more efficient than others. You could waste a few hours discussing policy coverages with local insurance agents in East Point, or you can stay home and use online quoting to quickly compare rates.
Most car insurance companies participate in an industry program where insurance shoppers submit their information once, and every company then gives them pricing based on that information. This prevents consumers from doing form submissions for every auto insurance company. To compare rates using this form now click here to start a free quote.
The only drawback to doing it this way is buyers cannot specifically choose which providers to receive prices from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of companies who write auto insurance in Georgia. View list of Georgia insurance companies.
It doesn’t matter which method you choose, just ensure you are comparing the exact same coverages on every quote. If the quotes have different limits and deductibles on each one it’s impossible to find the best deal in East Point. Slightly different coverage limits may result in a large different in cost. And when quoting auto insurance, remember that obtaining a wide range of quotes will increase your chances of finding the best rates.
Discounts are basically free money
Car insurance companies don’t always publicize all their discounts very well, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using.
- Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
- Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
- E-sign – A handful of insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
- Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
- Safe Drivers – Safe drivers can pay as much as 50% less than less cautious drivers.
- Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save up to 5%.
A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.
Shop online but buy locally
Some people would prefer to buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is the fact that you can find lower rates and still choose a local agent.
To find an agent, once you fill out this simple form, your coverage information is immediately sent to insurance agents in East Point who will return price quotes to get your business. You don’t have to visit any agencies as quotes are delivered straight to your inbox. How cool is that?! You can find the lowest rates AND an agent nearby.
Selecting an provider should depend on more than just a low price. Any agent should be forthright in answering these questions:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they receive special compensation for putting your coverage with one company over another?
- Do the companies they represent have a solid financial rating?
- Who are their largest clients?
Types of insurance agents
If you’re trying to find a local agent, there are a couple of types of agencies to choose from. Insurance agencies in East Point are categorized either captive or independent (non-captive).
Agency Captives
Captive agencies work for only one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. They usually cannot provide prices from multiple companies so keep that in mind. Captive agents are very knowledgeable on the products they sell and that can be a competitive advantage.
Shown below is a list of captive insurance agents in East Point that are able to give price quote information.
State Farm Insurance – 2952 Church St – East Point, GA 30344 – (404) 762-8896
Independent Agencies or Brokers
Independent agents do not work for one specific company but rather can write business with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, you should always get quotes from at a minimum one independent agency to ensure the widest selection of prices.
Below are independent agents in East Point who can help you get rate quotes.
American Eagle Insurance – 1250 Womack Ave – East Point, GA 30344 – (404) 753-3121
Discount Auto Insurance Ctr – 1630 Willingham Dr – East Point, GA 30344 – (404) 767-1960
To view a full list of auto insurance agents in East Point, simply jump to this page.
Once you have acceptable answers to your questions and a good coverage price, chances are good that you have found an insurance agent that will service your policy.
There’s no such thing as the perfect policy
When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs will benefit from professional help.
- Should I buy more coverage than the required Georgia minimum liability coverage?
- What companies insure drivers after a DUI or DWI?
- Is my cargo covered for damage or theft?
- Is my vehicle covered for smoke damage?
- Why does it cost so much to insure a teen driver in East Point?
- Do I have coverage when making deliveries for my home business?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Is my business laptop covered if it gets stolen from my vehicle?
- Will I lose any money if I cancel my policy before it expires?
- Does liability extend to a camper or trailer?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Learn about auto insurance coverages
Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages available from auto insurance companies.
Collision – This coverage will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.
UM/UIM Coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your vehicle.
Due to the fact that many Georgia drivers only purchase the least amount of liability that is required (Georgia limits are 25/50/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Liability car insurance – This will cover injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers claims such as funeral expenses, medical services and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford. Georgia requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying better liability coverage.
Medical costs insurance – Med pay and PIP coverage reimburse you for expenses for chiropractic care, nursing services, EMT expenses, dental work and funeral costs. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like fire damage, hitting a deer, vandalism, a tree branch falling on your vehicle and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Additional detailed information is available at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to discover disciplinary actions, get help finding coverage, view agent and company licensing information, and learn about specific coverages.
More quotes mean more savings
As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are many occasions where an insured dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
Low-cost auto insurance can be found from both online companies and with local East Point insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.