Comparing car insurance rates in Newnan can be a lot of work since there are a lot of options and selecting the best Newnan insurance agency for your needs is more difficult than just using the same insurance agency as your neighbor. Chances are good you require not only an excellent agent, but you also want to find affordable coverage.
With State Farm, Allstate and many independent agents all competing for your business, consumers have a hard time knowing which provider will provide the lowest rates and best service. Thankfully, it’s easy to use online price quotes to get a list of agents and thier coverage prices.
Local Newnan agents and car insurance
Professional agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing rates online is that you can obtain the best rates but still work with a licensed agent. Buying from local businesses is important particularly in Newnan.
To help locate an agent, after submitting this short form, your insurance coverage information is emailed to companies in Newnan who will give you bids for your insurance coverage. There is no need to leave your house since price quotes are sent to your email. How cool is that?!
Different types of Newnan insurance agencies
When finding a good insurance agency, you need to know there are two types of agencies from which to choose. Insurance agencies in Newnan are classified as either independent (non-captive) or captive. Both types can properly insure your vehicles, but it’s important to know the difference between them because it can impact your selection of an agent.
Independent Insurance Agents
Independent insurance agents do not work for one specific company so they can insure your vehicles with lots of companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and that require little work on your part.
When comparing rates, we recommend you contact at least one independent agent to ensure the widest selection of prices.Most can insure with lesser-known insurance companies which can be an advantage.
Listed below is a list of independent insurance agencies in Newnan who may be able to give you comparison quotes.
- First Newnan Insurance Group – 3229 Highway 34 E # 104 – Newnan, GA 30265 – (770) 253-2991
- Prudential Insurance Co – 185 Arbor Springs North Dr – Newnan, GA 30265 – (770) 632-7400
- Direct General Ins Agency – 274 Bullsboro Dr # B – Newnan, GA 30263 – (770) 502-1818
Captive Insurance Agents
This type of agents have only one company to place business with and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare other company’s rates so they have no alternatives for high prices. Captive agents are very knowledgeable in insurance sales and that can be a competitive advantage. Consumers sometimes buy from captive agents primarily because of the prominence of the brand and strong financial ratings.
Listed below are captive agents in Newnan that are able to give price quote information.
- State Farm Insurance – 3124 Highway 16 W – Newnan, GA 30263 – (770) 253-4428
- Allstate Insurance – 45 Southerland Dr # A – Newnan, GA 30263 – (770) 251-7176
To view a full list of captive insurance agencies in Newnan, go to this page.
Selecting an auto insurance agent requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Will your rates increase after a single accident?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are you getting all the discounts the company offers?
- Are claims handled at the agent’s location?
- Is assistance available after office hours?
- If your car is totalled, how to they determine the replacement cost?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Upon receiving reasonable responses as well as a affordable price, you have narrowed it down to a car insurance agent that is a good match to provide car insurance coverage.
Have you considered online alternatives?
Licensed agents are important to many people, but Georgia car insurance can also be bought direct from companies that only sell online. Some companies like State Farm and Allstate who employ agents also give you the ability to buy online, and consumers should do that.
If you’re uneasy about not receiving proper advice, that is normal but is not a big issue. Online car insurance companies that allow you to purchase coverage provide options for getting the best coverage.
Can buying online lower your premiums? Many people swear by it, but it’s difficult to answer because of the fact that insurance companies use many factors that are calculated into your premium. It’s a common assumption that buying direct saves money by not requiring a commission. But that assumption is generally incorrect because it’s expensive to advertise and that impacts the rates consumers pay.
More effort can pay off
Consumers who switch companies do it for any number of reasons including not issuing a premium refund, unfair underwriting practices, delays in paying claims or questionable increases in premium. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.
Cheaper car insurance can be bought from both online companies and also from your neighborhood Newnan agents, so you should compare both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
Learn more about Georgia car insurance
More information can be found on the Georgia Insurance and Safety Fire Commissioner website through this link. Consumers can file complaints about a company, read enforcement actions against agents and companies, find out industry alerts, and get help finding coverage.