How to Save on Car Insurance in Alpharetta

Trying to find cheaper insurance for a new or used car in Georgia can turn out to be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to compare car insurance rates and you need to know the absolute fastest way to quote coverages for a and locate the best price possible.

If you’re already insured or just want cheaper rates, you can use these techniques to reduce premiums without having to cut coverage. Obtaining price quotes for the cheapest protection in Alpharetta is quite easy. Smart shoppers just have to know how to shop using one simple form.

Learn how to lower your auto insurance costs

Many factors are part of the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, but some are more transparent such as whether you are married or your financial responsibility. The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that aid in calculating the rates you pay for auto insurance. If you know what influences your rates, this enables informed choices that could result in better auto insurance rates.

The list below includes some of the things used by your company to calculate prices.

Multi-policy discounts can save money – Most larger insurers will award a discount to policyholders that purchase more than one policy such as combining an auto and homeowners policy. If you currently are using one company, you still need to compare rates to help ensure you have the lowest rates. You may still save more without the discount even if you have your coverage with different companies

Where you call home – Residing in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. Fewer people means a lower chance of having an accident. People in densely populated areas have to deal with more traffic problems and much longer commute distances. More time on the road means more chances of being involved in an auto accident.

Does car insurance cost less for women? – Statistics demonstrate that women are safer drivers than men. However, this does not mean females are better drivers. Females and males get in accidents at a similar rate, but men tend to have more serious accidents. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.

Less chance of injury means lower prices – Cars with five star safety ratings can get you lower premiums. The safest vehicles have better occupant injury protection and fewer serious injuries means your insurance company pays less and lower rates for you.

Fast cars cost more to insure – The performance of the vehicle you are insuring makes a substantial difference in your premium level. The most favorable rates will normally be found when insuring the lowest performance passenger vehicles, but other factors influence the final cost greatly.

Getting low cost car insurance pricing is actually quite simple. Just take a few minutes comparing rates to see which company has low cost Alpharetta car insurance quotes.

The providers in the list below are our best choices to provide free rate quotes in Alpharetta, GA. If several companies are displayed, we recommend you visit as many as you can to find the most competitive car insurance rates.

Insurance Rate Estimates for Popular Vehicles in Alpharetta
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 4WD $1,002 $501 $84
Dodge Grand Caravan Hero $1,566 $783 $131
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,212 $606 $101
Ford Edge SEL AWD $1,332 $666 $111
Ford Escape Limited 2WD $948 $474 $79
Ford F-150 Lariat Crew Cab Platinum 4WD $1,282 $641 $107
Ford Focus SES 4-Dr Sedan $1,242 $621 $104
Honda Accord EX-L 2-Dr Coupe $1,166 $583 $97
Honda CR-V EX-L 2WD $1,074 $537 $90
Honda Civic EX 2-Dr Coupe $1,732 $866 $144
Hyundai Elantra GLS Touring Station Wagon $1,010 $505 $84
Hyundai Sonata GLS 4-Dr Sedan $1,100 $550 $92
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,124 $562 $94
Mazda 3 S Grand Touring 4-Dr Sedan $982 $491 $82
Nissan Altima 3.5 SR 4-Dr Sedan $1,480 $740 $123
Toyota Camry XLE $1,416 $708 $118
Toyota Corolla XRS $1,492 $746 $124
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,040 $520 $87
Volkswagen Jetta 2.0T Station Wagon $1,044 $522 $87
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in specific zip code location which can revise price quotes considerably.

Comparison of full coverage and liability-only policies

The illustration below shows the comparison of GMC Acadia car insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no tickets, no at-fault accidents, $100 deductibles, single female driver, and no discounts are applied.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Guidelines for eliminating full coverage

There is no set rule to stop buying comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your GMC Acadia settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after you pay the deductible. If you are paying more than $600 annually for full coverage, then it might be time to buy liability only.

There are some situations where eliminating full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.

Insurance rate increases from tickets or accidents

The chart below illustrates how speeding tickets and accidents impact Ford F-150 insurance costs for each different age category. The premiums assume a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Are insurance companies telling the truth?

Georgia drivers can’t get away from all the ads that claim the cheapest premium rates from companies such as Progressive, GEICO, Allstate and State Farm. They all tend to make the same promise about savings if you move your insurance policy to them.

But how can every company give you a lower rate on insurance? It’s all in the words they use.

All companies have specific criteria for the type of customer that will generate a profit. A good example of a profitable customer could possibly be between the ages of 30 and 45, has no tickets, and drives less than 7,500 miles a year. Anyone that fits those parameters will probably get the lowest prices and will cut their rates substantially.

Insureds who may not quite match these criteria will be charged a higher rate which translates to the prospect going elsewhere. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” save that much when switching. That’s why insurance companies can confidently state the savings. Because of this risk profiling, you absolutely need to do a rate comparison at every renewal. It is just not possible to predict with any certainty which company will have the best premium rates at this point in time.

Insurance is not optional

Despite the high cost, buying insurance may not be optional for several reasons.

The benefits of buying insurance definitely exceed the price paid, especially when you need to use it. Unknowingly, the average driver overpays more than $865 each year so compare rates every year to save money.

Don’t overlook these auto insurance discounts

Auto insurance is expensive, but there are discounts available that many consumers don’t even know exist. Many discounts should be triggered at the time of purchase, but some need to be requested specifically before they will apply.Save money with discounts

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.

A list of auto insurance companies and a summarized list of policyholder discounts include:

If you need lower rates, check with each insurance company how many discounts you can get. A few discounts might not be available to policyholders in Alpharetta. To view insurers that offer multiple discounts in Georgia, follow this link.

Get rate quotes but work with a local Alpharetta insurance agency

Some consumers prefer to talk to an insurance agent and there is nothing wrong with that. Agents are trained risk managers and give you someone to call. One of the benefits of getting free rate quotes online is the fact that you can find better rates and still buy from a local agent.

Insurance agents in AlpharettaOnce you complete this simple form, the coverage information is instantly submitted to participating agents in Alpharetta who will gladly provide quotes for your business. There is no need to even leave your home because quoted prices will be sent straight to your inbox. In the event you want to get a rate quote from a specific company, you can always visit that company’s website and submit a quote form there.

Selecting an insurance company needs to be determined by more than just the premium amount. You should also get answers to these questions.

Shown below are agents in Alpharetta that may be willing to give rate quotes.

More Alpharetta agents

If you get positive responses to your questions as well as a price you’re happy with, you’ve probably found an provider that meets your needs to provide insurance coverage. But keep in mind you can always cancel a policy at any time so don’t assume you are locked into any specific company for any length of time.

Best and worst vehicle claim statistics

Which vehicle models have severe claims? The tables below show the highest and lowest models for likelihood of filing claims.

Vehicles with the Lowest and Highest Comprehensive Insurance Claims
Lowest Overall Losses Highest Overall Losses
Nissan Xterra Bentley Continental GT
Volvo V60 Porsche Panamera GTS
Chevy Spark BMW M6
Smart ForTwo Bentley Continental GTC
Chevy Silverado 2500 BMW M6
Nissan Leaf Mercedes-Benz S Class

Statistics from for 2013-2015 Model Years

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
GMC Canyon Bently Continental GTC
Ford F-150 SuperCrew BMW 6 Series
Ford Edge Maserati Ghibli
Ford F-250 SuperCab Bently Continental GT
Nissan Xterra Ferrari 458
Mini Cooper Nissan GT-R

Statistics from for 2013-2015 Model Years

Vehicles with the Lowest and Highest Bodily Injury Liability Claims
Lowest Overall Losses Highest Overall Losses
Fiat 500 Kia Optima
Volvo XC60 Mitsubishi Lancer
Subaru Outback Hyndai Accent
Acura MDX Chevrolet Sonic
Subaru Forester Dodge Charger
Chevrolet Corvette Chevrolet Impala

Statistics from for 2013-2015 Model Years

Medical Payment Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Chevrolet Spark
Chevrolet Corvette Mitsubishi Mirage
Land Rover Range Rover Sport Chrysler 200
Audi A4 Allroad Nissan Sentra
Tesla Model S Kia Forte
Ford F-250 SuperCrew Hyundai Accent

Statistics from for 2013-2015 Model Years

Car insurance savings summarized

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Lower-priced car insurance in Alpharetta is attainable on the web as well as from independent agents in Alpharetta, and you should be comparing both to have the best selection. Some insurance providers may not have online quoting and usually these smaller companies only sell coverage through local independent agencies.

In this article, we covered a lot of ways to get a better price on car insurance in Alpharetta. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the lowest prices are with a company that doesn’t do a lot of advertising.

Other learning opportunities