6 Guaranteed Tips to Slash Car Insurance Costs in Alpharetta

Consumers not familiar with buying insurance online might discover buying low-cost Alpharetta car insurance is more work than they anticipated.

This article will familiarize you with how car insurance quotes work and some tips to save money. If you have car insurance now, you will most likely be able to save some money using this information. Georgia drivers only need an understanding of the most effective way to compare rates on the web.

Car Insurance Comparison Rates in Alpharetta, GA

Getting better car insurance pricing doesn't have to be difficult. Consumers just need to take time getting comparison quotes online from several insurance companies. This can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate forms for every car insurance company. Just one form gets you price quotes from several companies. Just one form and you're done.

A different way to shop for car insurance online requires a trip to the website of each company and fill out their own quote form. For instance, we'll pretend you want to compare , and . To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in Alpharetta, click here.

The least recommended method of getting rate comparisons is driving to different Alpharetta agent offices. Buying insurance online makes this process obsolete unless you prefer the professional guidance of a local Alpharetta agent. However, consumers can compare the best prices online but buy from a local insurance agent and we'll cover that in a bit.

It's your choice how you get your quotes, but be sure to compare apples-to-apples quote information for each comparison quote. If you are comparing mixed coverages it will be next to impossible to determine the lowest rate in Alpharetta.

compare Alpharetta car insurance rates

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited. If you don't get every credit you qualify for, you're just leaving money on the table.

  • Service Members Pay Less - Being on active duty in the military could be rewarded with lower premiums.
  • Good Student - Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Homeowners Savings - Simply owning a home can help you save on car insurance because maintaining a house requires personal responsibility.
  • Discount for Swiching Early - A few companies offer discounts for switching to them before your current policy expires. The savings is around 10%.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Accident Forgiveness - Some insurance companies permit an accident without raising rates if your claims history is clear prior to the accident.

Consumers should know that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of insurance companies with discount car insurance rates in Georgia, click here to view.

Insurance agents can help

When it comes to choosing proper insurance coverage for your vehicles, there really is no "perfect" insurance plan. Each situation is unique.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It's fast, free and can provide invaluable advice.

Additional car insurance information is available on the Georgia Insurance and Safety Fire Commissioner website through this link. Consumers can find disaster information, file complaints about a company, and report car insurance fraud.

Other useful links include this page for car insurance prices in Georgia and this page of Alpharetta insurance agents.

Georgia car insurance

In the end, you save

People leave their current company for many reasons like unfair underwriting practices, poor customer service, lack of trust in their agent and high prices. No matter why you want to switch, finding the right car insurance provider is not as hard as you think.

You just learned many tips how you can lower your car insurance rates. It's most important to understand that the more providers you compare, the higher the chance of saving money. You may even discover the best price on car insurance is with a company that doesn't do a lot of advertising.

Cost effective car insurance can be sourced from both online companies and also from your neighborhood Alpharetta agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and these smaller companies work with independent agents.