Comparing car insurance rates in Alpharetta can be a lot of work since picking a good Georgia insurance agency takes more work than just driving to the closest agent’s office. You need a great agent that can assess your needs, and also want to find affordable rates.
Big companies like State Farm, Geico and Farmers Insurance constantly blast consumers with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.
Quote online but work with a neighborhood agent
Professional agents are trained to spot inefficiencies and help in the event of a claim. The best thing about price shopping on the web is the fact that you can find the best rates and still have an agent to talk to.
After completing this short form, the coverage information is sent to local insurance agents who will compete for your business. You never need to drive around since price quotes are sent to the email address you provide. How cool is that?!
Choosing a car insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:
- Do they make recommendations based only on price?
- How long have they worked with personal auto insurance coverage?
- Is assistance available after office hours?
- Are they able to influence company decisions when a claim is filed?
- Are they properly licensed to sell insurance in Georgia?
- Will their companies depreciate repairs to your car based on the mileage?
Captive agents vs. Independent agents
When finding a reputable insurance agent or broker, you need to know there are two types of agencies that you can select. Alpharetta agents can either be independent or captive. Both write coverage properly, but it’s worth learning the difference between them because it can impact the type of agent you choose
Captive Insurance Agents
Captive agents work for only one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. Captive agents are well schooled in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently choose to use a captive agent partially due to high brand loyalty and the convenience of having a single billing for all their coverages.
Below is a short list of captive agents in Alpharetta willing to provide price quote information.
- Allstate Insurance – 11785 Northfall Ln # 507 – Alpharetta, GA 30004 – (678) 867-9940
- State Farm Insurance – 1495 Alpharetta Hwy # A – Alpharetta, GA 30004 – (770) 442-1086
- Liberty Mutual – 1100 Alderman Dr – Alpharetta, GA 30005 – (770) 475-8683
Independent Insurance Agents
Independent insurance agents are not employed by any specific company but rather can write business with lots of companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency.
When shopping rates, you should always include several independent insurance agents for the best price selection. Many write coverage with lesser-known insurance companies who may have lower rates.
The following is a short list of independent agencies in Alpharetta willing to provide rate quotes.
- Millsaps Agency Inc – 1815 Lockeway Dr # 102 – Alpharetta, GA 30004 – (770) 475-1975
- Zurich Insurance Co – 3025 Windward Plz # 150 – Alpharetta, GA 30005 – (770) 569-4552
- Shaheen Agency – 11180 State Bridge Rd # 101 – Alpharetta, GA 30022 – (770) 410-1055
- Alpharetta Agency Inc – 4825 Highway 9 N # 200 – Alpharetta, GA 30004 – (770) 442-9969
- USI Insurance – 3650 Mansell Rd # 100 – Alpharetta, GA 30022 – (678) 802-7500
To view a complete directory of car insurance agents in Alpharetta, please click here.
Once you have positive responses to any questions you have and locked in a price quote, most likely you have located a car insurance agent that is a good match to properly service your car insurance policy.
How do online company rates compare?
Professional insurance agents are important, but you also have the option of buying Georgia car insurance direct from companies that only sell online. A few companies that are more known for using agents, also allow consumers to get quotes and purchase online, and that can save time.
If you’re concerned about not getting advice from an agent when buying online, that is quite common when buying online the first time. Online car insurance companies have toll-free phone numbers and other options to answer any questions you may have.
Are online premiums lower? It’s difficult to provide an answer because there are many factors that determine the price you pay. It’s a logical assumption that buying direct cuts out the middleman. But the reality is marketing their products costs a lot of money so rates may not be all that different from traditional agents.
Some additional reading
Even more information can be found at the Georgia Insurance and Safety Fire Commissioner website. Consumers can file complaints about an insurance agent or broker, read consumer alerts, and find disaster information.
Quote often and quote early
People leave their current company for any number of reasons including unfair underwriting practices, delays in paying claims, policy cancellation and even an unsatisfactory settlement offer. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
The cheapest car insurance is possible both online and also from your neighborhood Alpharetta agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies may not provide online price quotes and these small, regional companies work with independent agents.