Selecting a auto insurance company in Macon, GA can be time consuming since picking a good Georgia auto insurance agent takes more work than just randomly choosing from the yellow pages. Consumers require a decent agent, and also cheap rates.
Companies like State Farm, Progressive and GEICO all claim big savings, bombarding you with ad campaigns and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
Working with a local agent
Insurance agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent.
After filling out this form (opens in new window), your information is emailed to agents in your area who will give you bids for your insurance coverage. There is no need to leave your computer due to the fact that quote results will go to your email. How cool is that?!
Deciding on a car insurance agent shouldn’t rely on just the price. Some important questions to ask are:
- Do the companies they represent have a solid financial rating?
- What insurance companies do they recommend if they are an independent agent?
- Do they review policy coverages at every renewal?
- How long has their agency been open in Macon?
- Will your rates increase after a single accident?
- Are they able to influence company decisions when a claim is filed?
To view licensed agents in Macon, please go to this site.
Upon receiving reasonable responses to all your questions in addition to an acceptable price estimate, it’s possible that you found an insurance agency that meets your needs to properly service your auto insurance policy.
Alternatives to local agents
Car insurance agents are indespensible for some people, but you can also buy Georgia car insurance direct from companies that only sell online. Some car insurance companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also let you buy direct online, so that should be considered to possibly find a better rate.
If you’re apprehensive about not having professional advice when buying car insurance direct, that is quite common when buying online the first time. Online companies provide toll-free numbers to answer any questions you may have.
Are online rates lower? It’s difficult to say for sure because there are a lot of things that influence the price you pay. You may think that buying online saves money by not requiring a commission. But the reality is marketing their products costs a lot of money and this tends to eat up any savings.
The only way to determine if agents have better prices than online companies is to get price quotes for both. It’s possible to get different rates for the exact same company from their online quote form as compared to an agent. But it’s difficult to know where you can get the lowest rates until after you compare the same coverages both ways.
Some additional reading
Additional detailed information is available at the Georgia Insurance and Safety Fire Commissioner website. Georgia drivers can learn about insurance regulations, read state legal mandates and laws, and read consumer alerts.
The following information may also be useful.
- Find Proven Ways to Save on Macon Car Insurance
- Find the Secrets to Saving Money on Macon Car Insurance
Cheaper insurance is a realistic goal
As you prepare to switch companies, never skimp on coverage in order to save money. In many cases, someone dropped liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Drivers switch companies for a number of reasons such as not issuing a premium refund, policy cancellation, high prices and delays in paying claims. Whatever your reason, switching companies can be easier than you think.