How to Get the Best Price from Atlanta, GA Auto Insurance Providers

When shopping for auto insurance, selecting the best Atlanta auto insurance agent for your needs is harder than just randomly choosing from the yellow pages. Consumers require a highly trained agent, but also need competitive auto insurance rates.

Drivers have so many insurance agents to purchase coverage from, and although it’s a good thing to be able to choose, having more insurance agents makes it harder to adequately compare rates.

Your insurance agent down the street

Insurance agents can help determine the best coverages and give you someone to call. The biggest benefit of price shopping on the web is that you can obtain the best rates and still have an agent to talk to.

After filling out this simple form, the coverage information gets sent to insurance agents in Atlanta who will compete for your coverage. You don’t have to even leave your home because quoted prices will be sent to the email address you provide. How’s that for easy!

Selecting an auto insurance agent needs to be determined by more than just a cheap price. Here are some questions to ask:

  • How often do they review policy coverages?
  • Are you getting all the discounts the company offers?
  • Can they provide you with a list of referrals?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Does the company allow you to choose your own collision repair facility?

The difference between Atlanta auto insurance agents

When looking for an insurance agent, you need to know there are two types of insurance agents from which to choose. Agents are categorized either captive or independent (non-captive). Either one can insure your vehicles, but it’s good to learn the difference between them because it can influence your selection of an agent.

Captive Insurance Agents

These agents can only place business with one company such as Allstate, State Farm and Farmers Insurance. These agents are not able to compare other company’s rates so they have no alternatives for high prices. Captive agencies are very knowledgeable on their products and sales techniques and that can be a competitive advantage.

Shown below are captive insurance agents in Atlanta that can give you comparison quotes.

Allstate Insurance – 1770 The Exchange SE # 170 – Atlanta, GA 30339 – (770) 953-1755
State Farm Insurance – 2734 Clairmont Rd NE – Atlanta, GA 30329 – (404) 321-6688
Liberty Mutual Insurance – 3695 Cascade Rd SW # J – Atlanta, GA 30331 – (404) 691-8662

Independent Agencies or Brokers

Independent insurance agents are not locked into one company so they can insure your vehicles with many different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When comparing rates, we recommend you contact several independent insurance agents to have the most options to choose from.

Listed below is a list of independent insurance agencies in Atlanta willing to provide price quote information.

Bob Bronaugh Agency Inc – 5901 Peachtree Dunwoody Rd NE – Atlanta, GA 30328 – (770) 481-0120
Howard Henderson Agency – 3480 Greenbriar Pkwy SW # 128 – Atlanta, GA 30331 – (404) 349-4380
Action Auto Agency – 2555 Bolton Rd NW – Atlanta, GA 30318 – (404) 581-9922
All Risk Insurance – 5143 Old National Hwy – Atlanta, GA 30349 – (404) 768-9699
Abbey Insurance – 4470 Chamblee Dunwoody Rd – Atlanta, GA 30338 – (770) 804-1957

To view a complete directory of insurance agents in Atlanta, visit this link.

Once you have received answers to your satisfaction and a low price estimate, you have narrowed it down to an insurance agent that meets your needs to provide auto insurance coverage.

Don’t exclude online companies

Insurance agents are a valuable resource, but you can also buy Georgia car insurance direct online. Certain companies like Allstate and State Farm that sell primarily through agents also let you get quotes and purchase online. This is something to consider to possibly find a better rate.

If you’re apprehensive about whether or not you’ll have guidance when buying online, that is quite common when buying online the first time. Auto insurance companies provide customer service for customer questions.

Can online rates save money? It’s hard to say exactly since companies use quite a few components which can adversely affect your policy premium. Many people think that buying directly from the company saves the commission normally paid to an agent. But the reality is marketing their products costs a lot of money so rates may not be all that different from traditional agents.

Summing up your auto insurance search

Cheaper auto insurance is available online and also from your neighborhood Atlanta agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. In too many instances, an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to get the best coverage possible at the best price while still protecting your assets.

To learn more about auto insurance in Georgia

Additional detailed information can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to file complaints about an insurance agent or broker, download brochures, and learn about insurance regulations.