If you've never shopped for Atlanta car insurance quotes online, there's a good chance you are confused by the large number of insurers all advertising big savings for Kia Optima Hybrid insurance in Atlanta.
It's astonishing, but over 70% of Georgia drivers have purchased from the same company for at least the last four years, and approximately 38% of consumers have never quoted auto insurance rates at all. With the average auto insurance premium being $1,847, American drivers could save themselves 46.5% a year by just comparing quotes, but they don't know the amount of savings they would get if they switch to a new company.
You should make it a habit to do price comparisons quite often because rates change quite often. Just because you found the best premium rates on Kia Optima Hybrid insurance in Atlanta at your last renewal the chances are good that you can find a lower price today. You'll find quite a bit of inaccurate information about Optima Hybrid insurance on the web, but we're going to give you some of the best ways to reduce your auto insurance bill.
Companies offer money-saving discounts on Kia Optima Hybrid insurance in Atlanta
Auto insurance is not inexpensive, but you may find discounts that could help you make your next renewal payment. Many discounts should be triggered when you quote, but some discounts are required to be requested specifically before you will receive the discount.
- Military Rewards - Having a family member in the military could trigger a small discount.
- Accident Forgiveness - Not necessarily a discount, but some insurance companies allow you one accident without raising rates if you are claim-free before the accident.
- Low Mileage - Low annual miles may allow you to get cheaper rates.
- Theft Deterrent System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Discounts for Safe Drivers - Drivers who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Discount for Home Ownership - Owning a home in Atlanta may earn you a small savings because maintaining a house is proof of financial responsibility.
- Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with certain companies.
We need to note that most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky.
A few popular companies and some of the premium reductions they offer are included below.
- Progressive has discounts for good student, multi-policy, online quote discount, online signing, and continuous coverage.
- AAA may offer discounts for education and occupation, good driver, multi-car, anti-theft, and AAA membership discount.
- Farmers Insurance offers discounts including business and professional, alternative fuel, early shopping, homeowner, youthful driver, electronic funds transfer, and good student.
- GEICO may have discounts that include daytime running lights, anti-theft, federal employee, good student, multi-vehicle, driver training, and anti-lock brakes.
- Esurance discounts include good driver, Pac-12 alumni, anti-lock brakes, Switch & Save, good student, multi-policy, and online quote.
- SAFECO has savings for teen safe driver, bundle discounts, drive less, homeowner, teen safety rewards, anti-theft, and anti-lock brakes.
- State Farm offers premium reductions for accident-free, student away at school, Drive Safe & Save, safe vehicle, and defensive driving training.
When getting free Atlanta car insurance quotes, it's a good idea to each company which discounts they offer. All car insurance discounts might not be offered on policies in Atlanta. If you would like to view companies offering auto insurance discounts in Atlanta, click here.
How to buy Kia Optima Hybrid insurance in Atlanta, GA
All the larger insurance companies provide prices directly from their websites. Obtaining pricing for Kia Optima Hybrid insurance in Atlanta is fairly straightforward because you just enter your required coverages into the quote form. Once you submit the form, their quoting system will order credit information and your driving record and returns a price.
This helps simplify price comparisons, and it is imperative to get many rate quotes if you want to get the most affordable premium on insurance.
In order to compare pricing, take a look at the companies shown below. If you have your current policy handy, we recommend that you enter the coverage information just like they are on your policy. This way, you will receive comparison quotes using the exact same coverages.
The auto insurance companies shown below can provide free quotes in Atlanta, GA. If more than one company is shown, it's highly recommended you visit as many as you can to get the best price comparison.
Car insurance quotes from local Atlanta insurance agencies
A lot of people would prefer to have an agent's advice and that is a personal choice. A nice benefit of getting online price quotes is the fact that drivers can get cheap rate quotes and still have a local agent. And buying from local insurance agencies is important particularly in Atlanta.
For easy comparison, once you complete this short form, your insurance data is instantly submitted to companies in Atlanta who will return price quotes for your business. It's much easier because you don't need to contact any insurance agencies because quoted prices will be sent immediately to your email address. You'll get the best rates and a licensed agent to talk to. In the event you want to compare rates from one company in particular, you just need to search and find their rate quote page and give them your coverage information.
If you are wanting to find a good insurance agency, it helps to know the two types of insurance agents and how they function. Atlanta agents can be categorized as either independent or exclusive depending on the company they work for.
Independent Car Insurance Agents
Independent agents do not sell for just one brand so as a result can place your coverage through lots of different companies depending on which coverage is best. If they find a cheaper price, they simply move the coverage in-house and you can keep the same agent.
When shopping rates, it's recommended you compare prices from multiple independent agents to have the best price comparison. Most also have access to smaller mutual companies which could offer lower prices.
The following is a partial list of independent agencies in Atlanta who can help you get free rate quotes.
- PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 - Atlanta, GA 30339 - (800) 634-2903 - View Map
- Nationwide Insurance: Kevin Thompson Agency
216 14th St NW #8 - Atlanta, GA 30318 - (470) 355-1973 - View Map
- Georgia Insurance Brokerage
193 Auburn Ave NE - Atlanta, GA 30303 - (404) 525-1600 - View Map
Exclusive Car Insurance Agents
Agents in the exclusive channel can only provide one company's prices and examples are Farmers Insurance or State Farm. Exclusive agents cannot provide other company's prices so you might not find the best rates. Exclusive agencies receive a lot of sales training on their company's products which helps offset the inability to provide other markets. Some people will only buy from the same agent for years partially due to high brand loyalty instead of buying on price only.
Listed below is a short list of exclusive agents in Atlanta that are able to give comparison quotes.
- Dorcelin Bazil - State Farm Insurance Agent
2859 N Druid Hills Rd a - Atlanta, GA 30329 - (404) 634-2447 - View Map
- Cheryl S Parsel - State Farm Insurance Agent
3145 Peachtree Rd #197 - Atlanta, GA 30305 - (404) 814-0071 - View Map
- Allstate Insurance: Drew Niess
3133 Maple Dr NE Ste 100 - Atlanta, GA 30305 - (404) 477-5500 - View Map
Finding the right insurance agent is decision based upon more than just a cheap quote. Below are some questions you should ask.
- Do they get paid more for recommending certain coverages?
- How much training do they have in personal risk management?
- Which companies do they recommend if they are an independent agency?
- Are there any discounts for paying up front?
- Do they specialize in personal lines auto insurance in Atlanta?
- Is assistance available after office hours?
- How many years have they been established?
- What company do they have the most business with?
Insurance in Georgia serves several purposes
Even though it's not necessarily cheap to insure a Kia in Atlanta, maintaining insurance is not optional due to several reasons.
First, the majority of states have mandatory insurance requirements which means the state requires a specific minimum amount of liability insurance if you don't want to risk a ticket. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your vehicle, more than likely the lender will make it mandatory that you have physical damage coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Kia at a significantly higher premium and force you to reimburse them for it.
Third, insurance protects not only your car but also your financial assets. Insurance will pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car more than offset the price you pay, especially for larger claims. On average, a vehicle owner in Atlanta overpays as much as $855 a year so compare rates once a year at a minimum to be sure current rates are still competitive.
Car insurance coverage information
Learning about specific coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Coverage for liability
Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage protects against claims like pain and suffering, bail bonds and loss of income. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible. Georgia state law requires minimum liability limits of 25/50/25 but drivers should carry better liability coverage.
Collision coverage protection
Collision coverage covers damage to your Optima Hybrid caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like colliding with a tree, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible on your Optima Hybrid to save money on collision insurance.
Medical costs insurance
Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like nursing services, surgery, ambulance fees, prosthetic devices and pain medications. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible
Comprehensive or Other Than Collision
This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things like hitting a bird, rock chips in glass, fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Kia Optima Hybrid.
Since many Georgia drivers only purchase the least amount of liability that is required (Georgia limits are 25/50/25), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
Lower-priced Kia Optima Hybrid insurance in Atlanta is definitely available from both online companies and with local Atlanta insurance agents, so you need to shop Atlanta car insurance with both so you have a total pricing picture. Some insurance providers may not offer online rate quotes and usually these small insurance companies work with independent agencies.
As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. Too many times, consumers will sacrifice liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at an affordable rate while still protecting your assets.
People switch companies for a number of reasons such as extreme rates for teen drivers, delays in paying claims, unfair underwriting practices or even being labeled a high risk driver. Whatever your reason, switching companies is not as hard as you think.
More detailed insurance information is available in the articles below:
- Warning systems don't curb driver distraction (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for a Ford Focus in Atlanta? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Young Drivers in Atlanta? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Atlanta? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Used Cars in Atlanta? (FAQ)
- Who Has Cheap Car Insurance for High Mileage Drivers in Atlanta? (FAQ)
- Who Has Cheap Car Insurance for Electric Cars in Atlanta? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- Choosing a Car for Your Teen (State Farm)
- Eight Auto Insurance Myths (Insurance Information Institute)