Do you need a better way to compare low-cost Chevy SS insurance in Atlanta? Expensive Chevrolet SS insurance in Atlanta can overdraw your bank account and make it impossible to make ends meet.
Amazingly, most drivers have bought insurance from the same company for more than four years, and 38% of customers have never compared quotes from other companies. With the average premium in Georgia being $1,720, drivers could save themselves up to $959 a year just by comparing rates, but most just don't grasp the actual amount they would save if they switched to a more affordable policy. Vehicle owners have so many insurance companies to buy insurance from, and although it's a good thing to have a selection, more options can take longer to find a good deal for Chevy SS insurance in Atlanta.
You should make it a habit to do rate comparisons at least once a year since prices fluctuate regularly. Just because you found the best rate on Chevy SS insurance in Atlanta last year there is a good chance you can find better premium rates now. You can search a lot of SS insurance out there, but in a few minutes you can learn some excellent ideas to find cheap insurance in Atlanta.
Buying the cheapest insurance in Atlanta is actually quite simple. If you're already insured or need new coverage, you can use this information to shop for the lowest rates without reducing coverage. You just need to learn the proper methods to shop from many different companies online.
Companies offering low-cost Chevy SS price quotes in Atlanta, GA
The providers in the list below provide quotes in Georgia. If multiple providers are shown, it's a good idea that you visit several of them to get a more complete price comparison.
Learn How to Lower Your Insurance Costs
Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable like your driving record, although others are less obvious such as whether you are married or your vehicle rating. Consumers need to have an understanding of a few of the rating criteria that play a part in calculating the price you pay for auto insurance. When you understand what determines premiums, this allows you to make educated decisions that can earn you cheaper rates.
The list below includes most of the major factors used by companies to determine your rate level.
Bundle policies with the same company - Most major insurers give better rates for people that buy multiple policies in the form of a multi-policy discount. The amount of the discounts can be ten percent or more. Even if you're getting this discount you may still want to compare other company rates to ensure the best deal.
Safer cars save money - Cars with high safety ratings cost less to insure. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries means lower claim amounts passed on to you as lower rates. If your Chevy SS is rated at a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
High credit scores save money - An insured's credit history will be a significant factor in your rate calculation. So if your credit rating is lower than you'd like, you could save money insuring your Chevrolet SS by taking the time to improve your credit score. Insureds that have excellent credit scores tend to be better drivers and file fewer claims than drivers with bad credit.
Lower performance equals lower insurance premiums - The performance of the car or truck you need insurance for makes a substantial difference in how high your rates are. Since the Chevrolet SS is a passenger car, insurance will be similar in price or lower as compared to the average rate in Atlanta. The lowest performance passenger cars receive the most favorable rates, but your final cost has many other factors.
With age comes lower costs - More experienced drivers are more responsible, tend to file fewer claims, and get fewer tickets.Inexperience drivers are statistically proven to be less responsible with other occupants in the car so they pay higher auto insurance rates.
Advanced GPS tracking and theft deterrents - Selecting a car model with advanced anti-theft systems can help bring down rates. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft.
Pay more out-of-pocket - Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your Chevy. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and rolling your vehicle. Comp and collision deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The larger the amount you have to pay, the less money you will pay for auto insurance.
Your career may increase rates - Careers like military generals, air traffic controllers, and accountants generally pay the highest average rates because of intense work situations and lots of time spent at work. On the other hand, professions such as scientists, engineers and the unemployed pay the least.
Chevy SS historical loss data - Insurers use past insurance losses when they set coverage costs for each model. Vehicles that statistically have higher prevalence or dollar amount of losses will have a higher cost to insure. The table shown below demonstrates the historical insurance loss data for Chevy SS vehicles.
For each policy coverage type, the loss probability for all vehicles, regardless of make or model, is equal to 100. Percentage values below 100 indicate a favorable loss history, while percentage numbers above 100 indicate more frequent claims or statistically larger losses.
Insurance Loss Ratings for Chevrolet SS Vehicles
|Specific Chevrolet Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get discounts to get affordable Atlanta auto insurance rates
Auto insurance is easily one of your largest bills, but there could be significant discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but less common discounts must be asked for prior to receiving the credit.
- Payment Method - By making one initial payment instead of making monthly payments you can avoid the installment charge.
- Switch and Save Discount - A few larger companies allow discounts for buying a new policy early. You could save around 10% when you buy Atlanta car insurance online.
- Policy Bundle Discount - If you can bundle your auto and homeowners insurance with the same company they may give you a discount of approximately 10% to 15%.
- Braking Control Discount - Cars with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
- Passive Restraints - Cars that have air bags and/or automatic seat belt systems can receive discounts as much as 30%.
- Student Discount for Driver Training - Cut your cost by having your teen driver enroll and complete driver's education as it can save substantially.
- Telematics Data Discounts - Policyholders that allow driving data collection to spy on where and when they drive by using a small device installed in their vehicle such as Allstate's Drivewise and State Farm's In-Drive system may get a rate reduction as long as the data is positive.
- Claim Free - Good drivers with no accidents can save substantially in comparison to bad drivers.
- Membership in Organizations - Being a member of certain professional organizations could qualify you for a break when shopping for auto insurance.
- Distant College Student Discount - Any of your kids who attend college more than 100 miles from Atlanta and leave their car at home may be insured at a cheaper rate.
As a disclaimer on discounts, many deductions do not apply to the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, companies don't profit that way.
Some of the larger companies who may offer some of the discounts shown above include:
Before you buy a policy, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not be available in your state. If you would like to view insurance companies who offer discounts in Georgia, click here to view.
Auto insurance agents near you
A lot of people prefer to talk to a local agent and that is a personal choice. Good insurance agents can make sure you are properly covered and will help you if you have claims. One of the great benefits of comparing car insurance online is you can get cheap car insurance quotes but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is transmitted to participating agents in Atlanta that provide free Atlanta car insurance quotes for your coverage. You never need to even leave your home since price quotes are sent to the email address you provide. If you want to compare rates for a specific company, you can always visit that company's website and fill out the quote form the provide.
Choosing the best provider shouldn't rely on just the quoted price. The following questions are important to ask.
- Which insurance companies are they affiliated with?
- Can glass repairs be made at your home?
- Can you contact them at any time?
- Is there any savings for paying the full premium?
- Will they give you a referral list?
- What are their preferred companies if they are an independent agency?
- Is the agency involved in supporting local community causes?
- What are the financial ratings for the companies they represent?
Compare rates from both independent and exclusive car insurance agents
If you're trying to find a local Atlanta insurance agent, it helps to know the two types of agencies and how they differ in how they can insure your vehicles. Car insurance policy providers can be described as either independent or exclusive. Both types can sell affordable car insurance policies, but it is important to understand why they differ since it may influence buying decisions.
Exclusive Insurance Agents
Exclusive insurance agents can usually just insure with one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive insurance agents are highly trained on their company's products which can be an advantage.
The following is a list of exclusive insurance agents in Atlanta that are able to give rate quotes.
These agents do not work for one specific company so as a result can place your coverage with lots of companies and find the cheapest car insurance rates. If they quote lower rates, they can switch companies in-house and you don't have to find a new agent.
If you are comparing rate quotes, we recommend you get several quotes from independent agents for maximum quote selection.
Listed below is a short list of independent agencies in Atlanta who can help you get price quotes.
Be skeptical of insurance ads
Consumers in Georgia can't avoid all the ads that promise big savings for switching by State Farm, Allstate and GEICO. All the ads make an identical promise about savings after switching to them.
How can each company sell you cheaper insurance coverage? This is the way they can do it.
Insurance companies have underwriting criteria for the type of insured that earns them a profit. For example, this type of insured may be married and over the age of 30, has no prior claims, and drives a lower-performance vehicle. A customer who matches those parameters receives the best car insurance rates in Atlanta and is almost guaranteed to cut their rates substantially.
Insureds who fall outside the requirements will see higher premiums and ends up with the customer buying from a different company. The ad wording is "customers who switch" not "everyone who quotes" will save that much if they switch. That's the way insurance companies can confidently make those claims. Because of the profiling, drivers must compare price quotes frequently. It's impossible to know which insurance company will give you the biggest savings.
One last thing to lower rates
There are still a few companies who may not have online rate quotes and these smaller companies prefer to sell through local independent agencies. Cheaper car insurance in Atlanta is available on the web in addition to many Atlanta insurance agents, and you should compare rates from both in order to have the best chance of saving money.
We covered many ideas to get a better price on Chevy SS insurance in Atlanta. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced car insurance comes from the smaller companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has the Cheapest Car Insurance for a Jeep Wrangler in Atlanta? (FAQ)
- What Car Insurance is Cheapest for a GMC Sierra in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance for Veterans in Atlanta? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Teen Driver Licensing Information (iihs.org)
- Prom Night Tips for Teen Drivers (State Farm)