To locate a good insurance agent in Peachtree City, GA, you can always do the preliminary legwork using online quotes instead of calling around. You need a great agent that can assess your needs, but also the lowest rates for auto insurance in Peachtree City.
Big companies like Geico, Farmers Insurance and State Farm all claim big savings with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
How to compare Peachtree City auto insurance rates
Professional agents can help determine the best coverages and help file insurance claims. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to.
After filling out this simple form, your insurance coverage information is sent to local insurance agents in Peachtree City who will give you bids to get your business. There is no reason to even leave your home due to the fact that quote results will go directly to your email. Now that’s easy! It’s the lowest rates AND an agent nearby.
Choosing a car insurance agent requires more thought than just the bottom line cost. Any agent should be forthright in answering these questions:
- If your car is totalled, how to they determine the replacement cost?
- Does the agency support the community they serve?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they receive special compensation for putting your coverage with one company over another?
- Can glass repairs be made at your home?
- Do they specialize in personal lines coverage?
- How much can you save by raising your physical damage deductibles?
- What insurance company do they write the most business with?
Captive agents vs. Independent agents
When finding a good Peachtree City insurance agent, there are a couple of different types of agents from which to choose. Agents are classified as either captive or independent (non-captive).
Captive Insurance Agents
This type of agents have only one company to place business with like State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so they have no alternatives for high prices. They receive extensive training on the products they sell which helps them sell insurance even at higher premiums.
Shown below are Peachtree City captive insurance agents who may provide you with price quote information.
State Farm Insurance – 1235 Robinson Rd # B – Peachtree City, GA 30269 – (770) 487-5060
Liberty Mutual Insurance – 101 Crossings E # 1 – Peachtree City, GA 30269 – (770) 631-9682
Allstate Insurance – 103 Westpark Dr # B – Peachtree City, GA 30269 – (770) 487-9070
Independent Agencies or Brokers
Independent insurance agents do not work for one specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When shopping rates, it’s recommended you include at a minimum one independent agency to have the most options to choose from.
The following is a list of independent agencies in Peachtree City willing to provide rate quotes.
Prudential Insurance Co – 21 Eastbrook Bnd – Peachtree City, GA 30269 – (678) 364-1813
Liberty Mutual Insurance – 101 Crossings E # 1 – Peachtree City, GA 30269 – (770) 631-9682
For a complete listing of auto insurance agents in Peachtree City, visit this site.
After getting good answers to all your questions and an affordable coverage quote, it’s possible that you found an insurance agent that can adequately provide auto insurance.
Can you buy online and save?
Auto insurance agents are important to many people, but you can also buy Georgia car insurance direct from companies online. Even companies who have local agents in Peachtree City additionally provide the ability to get quotes and purchase online. This is something to consider if you’re trying to lower your rates.
If you’re concerned about not having someone to ask questions, this really isn’t an issue. Car insurance companies that allow you to purchase coverage all have toll-free customer service that you can contact for information.
Is pricing better online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the number of factors that impact your rate calculation. Common logic is that buying online lowers rates due to not having any agent compensation. In many cases, getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.
The only way to determine where you can get the lowest rate, either online or from agents, is to take the time to compare rates from both. It’s fairly common that you receive different coverage costs comparing agents to online prices from the same insurance company.
A little work can save a LOT of money
People leave their current company for a variety of reasons including high prices, extreme rates for teen drivers, delays in responding to claim requests or lack of trust in their agent. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.
When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at the best price.
More tips and info about auto insurance can be read at the Georgia Insurance and Safety Fire Commissioner website. Georgia consumers can get help finding coverage, download brochures, and find out which companies have the most complaints.
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