Wish you could get a refund on overpriced car insurance? Believe me, many Chamblee drivers have buyer’s remorse. Lots of insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurers to discover the definitive best rate
It’s important to take a look at other company’s rates occasionally because prices change regularly. Just because you found the lowest price at your last renewal you can probably find a better rate quote now. Ignore everything you know about car insurance because you’re going to learn the only way to save money, get proper coverage and the best rates.
If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Choosing the best insurance company for you in Chamblee is quite easy. But Georgia car owners do need to understand how the larger insurance companies sell insurance online and apply this information to your search.
There are multiple methods to compare car insurance quotes, but there is one way that is easier and takes less work. You could spend your day driving to insurance companies in Chamblee, or you could use online quotes to get the quickest rates.
Most of the best insurance companies participate in an industry program where prospective buyers submit one quote, and each participating company can give them a price. This eliminates the need for quote forms to each individual car insurance company. To find out how much you’re overpaying now click here (opens in new window).
The one downside to doing it this way is that consumers can’t choose which companies to receive prices from. So if you want to choose from a list of companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in Georgia. View list of Georgia insurance companies.
It’s up to you how you get prices quotes, just double check that you are using identical deductibles and coverage limits for each quote you get. If you have different values for each quote you will not be able to determine the best price in Chamblee. Having just a slight variation in insurance coverages may result in a large different in cost. And when quoting car insurance, remember that comparing all the rates in your area increases your odds of finding a lower rate. Some companies don’t provide online rate quotes, so it’s recommended that you also compare rates from those companies as well.
Get cheap rates with these eight discounts
Some providers don’t always advertise all their discounts in an easy-to-find place, so the list below contains some of the best known and also the lesser-known credits that may apply to you.
- Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations could qualify you for a break on car insurance.
- Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
- New Vehicle Savings – Buying a new car model can save up to 30% because newer vehicles keep occupants safer.
- Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
- Multiple Cars – Buying a policy with multiple vehicles on one policy qualifies for this discount.
- Accident-Free Discounts – Claim-free drivers can save substantially as compared to policyholders that have many claims.
- Theft Deterent – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a .
A quick disclaimer, most discounts do not apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So even though you would think you can get free auto insurance, it just doesn’t work that way.
The best car insurance companies and some of the premium reductions they offer are included below.
- Geico may offer discounts for multi-vehicle, federal employee, anti-theft, air bags, and anti-lock brakes.
- MetLife has savings for good student, claim-free, accident-free, good driver, and defensive driver.
- State Farm may include discounts for passive restraint, driver’s education, good driver, student away at school, and accident-free.
- Progressive includes discounts for homeowner, good student, multi-policy, continuous coverage, online quote discount, online signing, and multi-vehicle.
- Mercury Insurance offers discounts including type of vehicle, multi-car, accident-free, location of vehicle, and good driver.
- 21st Century discounts include student driver, homeowners, theft prevention, early bird, 55 and older, teen driver, and driver training.
- Allstate may have discounts that include early signing, utility vehicle, premier discount, safe driver, and premier plus.
When quoting, ask each insurance company how you can save money. Some discounts listed above may not apply to policyholders everywhere. For a list of insurance companies that offer discounts in Georgia, click here.
Car insurance policy specifics
Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.
Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things like legal defense fees, pain and suffering and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Georgia state minimum liability requirements are 25,000/50,000/25,000 but you should think about purchasing more coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your vehicle.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/25 in Georgia), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
This coverage pays for damage to your vehicle resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as hitting a parking meter, backing into a parked car, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage provide coverage for immediate expenses for prosthetic devices, funeral costs, rehabilitation expenses, dental work and surgery. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a deer, vandalism, hail damage and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
More detailed Georgia car insurance information can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can view a list of available companies, view agent and company licensing information, and download brochures.