Never Compare Marietta, GA Auto Insurance Without Knowing These Money Saving Tips

Feel like you’re a prisoner to an overpriced auto insurance policy? Believe me when I say you’re not alone.

Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.

If you have car insurance now, you will be able to lower your premiums substantially using this strategy. Finding affordable coverage in Marietta is easy if you know what you’re doing. But Georgia vehicle owners should learn the way companies sell online and apply this information to your search.

Finding Auto Insurance in Marietta

The are a couple different ways of comparing price quotes from different in Mariettainsurance companies. The best way to find the cheapest insurance rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

One of the simplest ways to get quotes for comparison is to use a rate comparison form click to view form in new window. This method eliminates the need for multiple quote forms to each individual auto insurance company. Taking the time to complete one form gets you price quotes from multiple companies.

Another way to analyze rates is going to each company website and complete a new quote form. For examples sake, let’s say you want to compare rates from Progressive, State Farm and Liberty Mutual. To find out each rate you need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in Marietta, click here.

Which method you use is up to you, but ensure you’re using apples-to-apples information on every quote. If each company quotes differing limits it’s not possible to decipher which rate is best in Marietta. Having just a slight variation in coverage limits could mean much higher rates. Just keep in mind that more quotes provides better odds of finding a better price.Auto insurance in Marietta GA

Do you really save 40% when you switch?

Auto insurance providers like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. They all make the same claim that you’ll save big if you switch to them. But how can every company make the same claim?

All the different companies are able to cherry pick for the driver they prefer to insure. An example of a preferred risk might be profiled as between the ages of 40 and 55, has no prior claims, and has a high credit rating. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who fall outside these standards will be quoted a higher premium which leads to the customer not buying. The ads say “customers that switch” not “everybody who quotes” save money. That is how companies can claim big savings. This emphasizes why it is so important to get a wide range of price quotes. Because you never know which company will give you the biggest savings.

These discounts can lower your rates

Auto insurance companies don’t necessarily list every discount in an easy-to-find place, so we break down some of the more common and the harder-to-find auto insurance savings.

  • Homeowners Savings – Owning a house in Marietta can help you save on auto insurance because owning a home shows financial diligence.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Organization Discounts – Belonging to certain professional organizations may earn a discount when shopping for auto insurance.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.

Drivers should understand that some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, companies don’t profit that way.

To see a list of providers who offer auto insurance discounts in Georgia, click this link.

Different people need different coverages

When choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you may require specific advice.

compare rates in Marietta GA

  • Am I covered when using my vehicle for business?
  • How much liability do I need to cover my assets?
  • Does my personal policy cover me when driving my company car?
  • When would I need rental car insurance?
  • Do I have coverage if my license is suspended?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

More detailed Georgia auto insurance information can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can learn about specific coverages, read consumer alerts, read state legal mandates and laws, and find out industry alerts.

Cheaper insurance is a realistic goal

Low-cost auto insurance can be bought from both online companies and also from your neighborhood Marietta agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, never buy poor coverage just to save money. There have been many cases where an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.