Is Your Acworth, GA Auto Insurance Costing Too Much?

Shopping for the most affordable Acworth auto insurance on the web is problematic for consumers not familiar with buying insurance on the web. With a ridiculous number of companies competing online, how can you possibly compare every company to locate the best available rates?

Choosing the best insurance company for you in Acworth is not rocket science. In a nutshell, everyone who shops for auto insurance should be able to cut their insurance bill. But Georgia drivers do need to understand the way insurance companies market insurance on the web.

Cut your auto insurance rates with discounts

Companies don’t always advertise every available discount in an easy-to-find place, so we break down some of the best known and the more hidden savings tricks you should be using.

  • Paperless Signup – A handful of insurance companies give back up to $50 just for signing your application on their website.
  • College Student – Any of your kids who live away from home and don’t have a car may be able to be covered for less.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Save over 55 – Older drivers may receive a discount up to 10%.
  • Multiple Cars – Having all your vehicles with the same company qualifies for this discount.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck.

To choose insurance companies offering auto insurance discounts in Georgia, click here to view.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if you would benefit from professional advice.

  • What is the minimum liability in Georgia?
  • Is my custom paint covered by insurance?
  • Am I covered when delivering products for my home-based business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is a new car covered when I drive it off the dealer lot?
  • Do no-fault laws apply in Georgia?
  • Should I sign the liability waiver when renting a car?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Do I need a local agent?

Some people prefer to buy from a licensed agent and that is OK! The biggest benefit of comparing insurance prices online is you can get the lowest rates and still choose a local agent.

To help locate an agent, after submitting this short form, the quote information gets sent to insurance agents in Acworth who will return price quotes for your business. There is no reason to leave your house since price quotes are sent directly to your email. It doesn’t get any easier! It’s the lowest rates AND an agent money image

Selecting an insurance company should depend on more than just the price. Any agent should have no problem answering these questions:

  • Who are their largest clients?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Is assistance available after office hours?
  • Are claims handled at the agent’s location?
  • If you have an accident, will your rates go up?
  • Do they review policy coverages at every renewal?
  • Does the agency support the community they serve?
  • Do they receive special compensation for putting your coverage with one company over another?

What type of Acworth insurance agency is right for you?

When researching an insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies in Acworth can either be independent (non-captive) or captive.

Agency Captives

Captive agents work for only one company and some examples include State Farm, Allstate and AAA. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Captive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only buy insurance from these agents partially due to high brand loyalty and the convenience of having all coverages with one company.

The following are captive agents in Acworth who may provide you with rate quotes.

  • Allstate Insurance – 5345 Bells Ferry Rd # 107 – Acworth, GA 30102 – (770) 592-8085
  • State Farm Insurance – 3950 Cobb Pkwy NW # 1002 – Acworth, GA 30101 – (770) 917-9113
Independent Agents (or Brokers)

These agents are not employed by any specific company so they can insure your vehicles with many different companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rates, we recommend you include price quotes from several independent insurance agents for maximum quote selection.Many can place coverage with smaller regional carriers which may provide better rates.

Listed below are independent insurance agencies in Acworth willing to provide price quotes.

  • Herring Agency – 1100 Highway 92 – Acworth, GA 30102 – (770) 974-1605
  • D Ward Insurance – 3459 Acworth Due West Rd NW – Acworth, GA 30101 – (770) 974-0670
  • Glancy Insurance – 3950 Cobb Pkwy NW # 405 – Acworth, GA 30101 – (770) 966-7350

For a full directory of auto insurance agents in Acworth, visit this site.

Once you have good answers to any questions you have and an acceptable price quote, you have narrowed it down to a car insurance agent that meets your needs to provide auto insurance coverage.

Switch companies and save? Really?

Companies like Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. All the ads make the same claim that you’ll save big after switching to them. How does each company claim to save you money?

All the different companies have a certain “appetite” for the driver they prefer to insure. For example, a preferred risk could possibly be between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” receives the best rates and most likely will cut their rates substantially.

Consumers who don’t qualify for these standards must pay more money which usually ends up with business not being written. The ads say “drivers who switch” not “people who quote” save that kind of money. That is how insurance companies can state the savings. This illustrates why it is so important to get as many comparisons as possible. You cannot predict the company that will provide you with the cheapest rates.

More detailed Georgia auto insurance information is available at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can find disaster information, view agent and company licensing information, and read consumer alerts.

Keep this in mind

In this article, we covered a lot of information how to shop for auto insurance online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.

Insureds switch companies for a number of reasons such as unfair underwriting practices, questionable increases in premium, high prices and even lack of trust in their agent. Regardless of your reason for switching companies, finding the right auto insurance provider can be less work than you think.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone dropped uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your focus should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.