When shopping for car insurance, there are a lot of options and picking a good Georgia insurance agent takes more work than just calling the closest agent. You require a friendly agent, and also want to find the cheapest rates you can possibly find.
Many car insurance agents vie for your hard-earned dollar, and it can be difficult to compare rates to get the lowest price
Your insurance agent down the street
Educated insurance agents can help determine the best coverages and help you file claims. The biggest benefit of getting online price quotes is that you can obtain the best rates but still work with a licensed agent.
After filling out this form (opens in new window), your insurance coverage information gets sent to local insurance agents who will give you bids for your coverage. You never need to drive around as quotes are delivered directly to your email. It doesn’t get any easier!
Selecting a car insurance agent requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- What is the agency’s Better Business Bureau rating?
- Do they specialize in personal lines coverage?
- How many years of experience in personal lines insurance coverages do they have?
- How much will you save each year by using a higher deductible?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is the agency involved in supporting local community causes?
- Who is covered by the car insurance policy?
Two types of insurance agencies
When finding a good East Point insurance agent, there are two different agency structures from which to choose. Agencies in East Point are classified as either independent or captive. While both can properly insure your vehicles, but it’s worth mentioning the difference between them because it can influence your agent selection.
Agency Captives
Captive insurance agents work for only one company and examples are American Family, Liberty Mutual and AAA. They usually cannot shop your coverage around so it’s a take it or leave it situation. These agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers sometimes buy insurance from these agents mainly due to the brand legacy and strong financial ratings.
Below is a short list of captive agents in East Point willing to provide price quotes.
- State Farm Insurance – 3021 Washington Rd – East Point, GA 30344 – (404) 766-7575
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent.
When comparing rates, it’s recommended you include several independent insurance agents to have the most options to choose from.Many can place coverage with smaller companies which can save you money.
Listed below are East Point independent agents that can give you price quotes.
- Ati Auto-Town Insurance – 2925 Headland Dr # D – East Point, GA 30344 – (404) 349-4800
- White and White Insurance – 2882 E Point St – East Point, GA 30344 – (404) 766-9390
For a complete listing of licensed insurance agents in East Point, visit this site.
After receiving good answers to your questions and a low price estimate, you’ve probably found a car insurance agent that will provide car insurance coverage.
Buying auto insurance direct is an option
Insurance agents are a valuable resource, but you can also buy Georgia car insurance from companies direct over the internet. Some specific companies who sell through the agent channel also let you buy direct online, and consumers should do that if you don’t want to take the time to contact agents.
If you’re uncomfortable with not getting proper coverage when buying online, that should not be a issue. Online car insurance companies all have client service departments to help you decide which coverages are appropriate. Most companies also provide a frequently asked questions page to help you answer questions.
Can online rates save money? That question is hard to answer because there are so many things that influence the price you pay. You may think that buying car insurance online saves money because there is no agent involvement. But the reality is it’s expensive to advertise and this tends to eat up any savings.
A tidy conclusion
As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured cut collision coverage only to regret at claim time that it was a big error on their part. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.
Lower-priced car insurance is definitely available from both online companies and with local East Point insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not offer online quoting and these small insurance companies work with independent agents.
More detailed Georgia car insurance information can be found at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can learn about insurance regulations, discover disciplinary actions, and download brochures.
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