Is Your Kennesaw Auto Insurance Too High? Learn How to Lower Your Rates

Finding cheap Kennesaw auto insurance over the internet may be difficult for people who are new to shopping for insurance online. Because there are so many online companies, how can Kennesaw drivers effectively compare the different rates to find the lowest price available?

Compare Kennesaw Auto Insurance Costs

There are several ways to compare auto insurance prices but one way is less time-consuming than others. You could waste a few hours driving to insurance agencies in Kennesaw, or you could use online quoting to maximize your effort.

Most car insurance companies participate in a marketplace that allows shoppers to send in one quote, and each company provides a quote based on that information. This eliminates the need for repetitive form submissions to each company. To find out how much you’re overpaying now click to open in new window.

The one downside to pricing coverage this way is you can’t choose the companies to get pricing from. If you prefer to choose from a list of companies to compare, we have a page of the cheapest auto insurance companies in Georgia. Click here for list of insurance companies in Georgia.

It’s up to you which method you use, but ensure you’re using the exact same deductibles and coverage limits for each comparison quote. If you compare different values for each quote you can’t possibly truly determine the lowest rate in Kennesaw. Just a small difference in limits may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting the best price.

Auto insurance myths debunked

Auto insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to say the same thing that you’ll save big if you change your coverage to them. But how can every company claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the type of driver that is profitable for them. An example of a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters receives the best rates and therefore will save when switching.

Drivers who do not match the “perfect” profile will have to pay higher rates which usually ends up with the customer not buying. The ad wording is “customers who switch” not “everyone that quotes” save money. That’s the way companies can truthfully advertise the way they do. Because of the profiling, you need to get a wide range of price quotes. It’s just too difficult to predict which company will have the lowest rates.Kennesaw insurance prices

Don’t miss out on these money-saving discounts

Companies don’t list every discount very clearly, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

  • Claim Free – Claim-free drivers can earn big discounts when compared with accident-prone drivers.
  • Multiple Policy Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Safety Course Discount – Taking a defensive driving course can save you 5% or more depending on where you live.
  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Club Memberships – Participating in a civic or occupational organization could trigger savings on your policy.
  • Homeowners Pay Less – Owning a house in Kennesaw can help you save on auto insurance because owning a home requires personal responsibility.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way.

For a list of providers offering auto insurance discounts in Georgia, follow this link.

Price shop online but buy from a local Kennesaw agent

Some people just want to sit down with an agent and that is a personal choice. The biggest benefit of comparing rates online is you may find lower rates and still have an agent to talk to.

To help locate an agent, after submitting this short form, your information is submitted to agents in your area who will compete to get your business. There is no reason to leave your house since price quotes are sent straight to your inbox. It doesn’t get any easier! You’ll get the best rates and a licensed agent to work with.

Selecting an insurance company should depend on more than just a cheap price. These questions are important to ask:

  • Will their companies depreciate repairs to your car based on the mileage?
  • Are you getting all the discounts the company offers?
  • Is the agency involved in supporting local community causes?
  • How much will you save each year by using a higher deductible?
  • If your car is in the repair shop, do you have coverage for a rental car?

If you want to view licensed agents in Kennesaw, please click here.

After getting positive feedback to all your questions in addition to an acceptable price estimate, you’ve probably found an insurance company that meets your needs to service your policy.

Kennesaw insurance prices

Additional detailed information is available at the Georgia Insurance and Safety Fire Commissioner website. Consumers can find out industry alerts, file complaints about a company, and download brochures.

And the best car insurance company is…

While you’re price shopping online, do not sacrifice coverage to reduce premiums. In too many instances, someone dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at a price you can afford.

Insureds change insurance companies for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, questionable increases in premium or not issuing a premium refund. Regardless of your reason for switching companies, finding a new company is actually quite simple.

Budget-conscious auto insurance can be purchased both online as well as from independent agents in Kennesaw, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.