When finding a good Sandy Springs agent, you can begin your search online instead of making phone calls. You require a competent insurance agent, and also want to find decent rates too.
Companies like GEICO, 21st Century and Progressive all claim big savings, bombarding you with catchy ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.
Online price comparisons from Sandy Springs agents
Professional agents are trained to spot inefficiencies and give you peace of mind. The best thing about getting online price quotes is that you can obtain the best rates and still have an agent to talk to.
For easy comparison, once you complete this form (opens in new window), the quote information is emailed to local insurance agents who will compete for your insurance coverage. You don’t have to even leave your home as quotes are delivered immediately to your email address. Now that’s easy!
Selecting an insurance agency needs to be determined by more than just the price. These are valid questions to ask:
- How are they compensated?
- Do they specialize in personal lines coverage?
- Will your rates increase after a single accident?
- Which members of your family are coverage by the policy?
- Are claims handled at the agent’s location?
- Is the agency involved in supporting local community causes?
- Is working in the agency their full-time job?
The difference between Sandy Springs insurance agents
When finding a good insurance agency, you must know there are a couple different agency structures to choose from. Insurance agencies in Sandy Springs are classified as either captive or independent (non-captive). Both properly insure your vehicles, but it’s important to know how they are different because it can impact the selection process.
Captive Insurance Agents
Captive agencies write business for a single company and some examples include Allstate, Farmers Insurance or State Farm. Captives cannot place coverage with different providers so it’s a take it or leave it situation. Captive agencies are well schooled on their products and sales techniques which helps them compete with independent agents.
Shown below is a list of captive agents in Sandy Springs willing to provide price quotes.
Allstate Insurance – 325 Hammond Dr NE # 100b – Sandy Springs, GA 30328 – (404) 256-2281
State Farm Insurance – 700 Dalrymple Rd NE # 1 – Sandy Springs, GA 30328 – (770) 393-0350
Independent agents are not required to write business for one company but rather can write business with any number of different companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rates, it’s recommended you include at a minimum one independent agency for maximum quote selection.
Below is a short list of independent agencies in Sandy Springs who can help you get price quotes.
Peachstate Auto Insurance – 6126 Roswell Rd NE – Sandy Springs, GA 30328 – (404) 459-8400
For a full directory of licensed insurance agents in Sandy Springs, simply jump to this page.
After receiving positive feedback to your questions and locked in a price quote, you’ve probably found a car insurance agent that meets your needs to adequately provide car insurance.
Is buying direct online an option?
Auto insurance agents are important to many people, but you also have the option of buying Georgia car insurance direct online. Some specific companies who have local agents in Sandy Springs also let you buy a policy online. This is something to consider and can also potentially find you lower rates.
If you’re uneasy about whether or not you’ll have guidance when shopping online, this is a normal reaction for first-time shoppers. Auto insurance companies that require consumers to choose their own coverages provide phone numbers and online resources to help you decide which coverages are appropriate. Many online companies also provide a frequently asked questions page to help you answer questions.
Is it cheaper to buy online? That is a tough question to answer because there are so many things that can increase policy rates. You may think that buying car insurance online cuts out the middleman. But the reality is marketing their products costs a lot of money and this drives up their premium costs.
If you just want to find lower premiums, the most effective way to determine if car insurance prices are lower online or from agents is to get price quotes for both. You can actually get different rates from exactly the same company depending on if you quote online or with their agents. It’s difficult to tell which is cheaper unless you compare quotes for identical coverages from both ways.
More detailed Georgia car insurance information is available at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read state legal mandates and laws, learn about insurance regulations, and file complaints about an insurance agent or broker.
These articles may also be worth reading.
- Techniques for Effectively Comparing Sandy Springs Georgia Car Insurance Rates
- Insider Tricks to Paying Less for Sandy Springs, GA Auto Insurance
Best coverage at the best price
While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.
Insureds who switch companies do it for many reasons like being labeled a high risk driver, delays in responding to claim requests, lack of trust in their agent and even unfair underwriting practices. It doesn’t matter what your reason, switching car insurance companies can be easier than you think.