Are you baffled by the crazy number of auto insurance sources available to you? Many other drivers are too. Consumers have so many sources available that it can turn into a difficult situation to find the perfect company for you. Everyone knows Atlanta is a wonderful place to live, but having to pay for pricey auto insurance can make it nearly impossible to afford proper coverage amounts.
A recent study showed that about 70% of customers have purchased from the same company for at least the last four years, and approximately 38% of consumers have never compared auto insurance rates at all. Georgia drivers can save as much as $959 each year, but they don’t know the benefits if they switched to a more affordable policy.
Shopping around for affordable policy in Atlanta is not as time-consuming as you think. Nearly each driver who wants cheaper car insurance will probably find a lower-cost company. Nevertheless, Georgia consumers benefit from understanding how big insurance companies calculate your policy premium and use it to find better rates.
Get cheaper Lexus NX 300h insurance rates in Atlanta
Some providers don’t necessarily list all possible discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known discounts you could be receiving when you buy Atlanta auto insurance online. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.
- Safe Driver Discount – Safe drivers may save up to 50% more compared to accident prone drivers.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents so you can save 10 percent or more.
- College Student Discount – Kids who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
- Discounts for New Vehicles – Insuring a new NX 300h can cost up to 25% less compared to insuring an older model.
- Low Mileage Discounts – Maintaining low annual mileage can earn slightly better premium rates than normal.
Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will help reduce the cost of your policy.
To see a list of providers that offer many of these discounts in Atlanta, click this link.
Low cost Lexus NX 300h insurance prices in Atlanta
When shopping for Lexus NX 300h insurance in Atlanta there are multiple ways of comparing rate quotes from companies that offer insurance in Georgia. By far the easiest way to comparison shop is to perform an online rate comparison.
It’s important to know that getting more free quotes provides better odds of finding the best price. Not every company allows you to get price estimates online, so you should also compare rates from them as well.
The companies in the list below offer free quotes in Georgia. If the list has multiple companies, we recommend you visit as many as you can in order to find the most competitive rates.
Buying from insurance agents
Some consumers still prefer to talk to a local agent and that can be a great decision One of the benefits of price shopping on the web is that you can obtain cheap insurance rates and still choose a local agent. Buying insurance from neighborhood agents is important particularly in Atlanta.
Upon completion of this simple form, the coverage information is immediately sent to local insurance agents that can give you free Atlanta auto insurance quotes for your coverage. You won’t even need to find an agent on your own since price quotes are sent to your email. You can find lower rates and an insurance agent to talk to. If you need to compare rates from a specific insurance company, you can always navigate to their website to submit a rate quote request.
If you want to use a reliable insurance agency, it’s helpful to know the different types of agencies that you can select. Atlanta agents are either exclusive or independent (non-exclusive).
Independent Insurance Agents
Agents of this type do not sell for just one brand so they can write business through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and the insured can keep the same agent.
When comparing rate quotes, we recommend you include price quotes from a couple of independent agencies to have the best price comparison. Most independent agents also contract with smaller mutual companies that may have much lower rates than larger companies.
The following are independent agents in Atlanta that can give you free rate quotes.
- Access General Agency Inc
1627 Peachtree St NE – Atlanta, GA 30309 – (404) 817-9744 – View Map
- Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map
- Nationwide Insurance: Walter Wade Agency
4401 Northside Pkwy NW #311 – Atlanta, GA 30327 – (404) 550-3448 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents generally can only insure with one company and examples are State Farm, Allstate and AAA. They generally cannot compare rates from other companies so you might not find the best rates. These agents are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates. Consumers often buy insurance from these agents primarily because of high brand loyalty rather than having the cheapest rates.
Below are Atlanta exclusive insurance agents who can help you get price quotes.
- Shiron Kilgore – State Farm Insurance Agent
42 Forsyth St NW – Atlanta, GA 30303 – (404) 527-4883 – View Map
- Cleo Meyer – State Farm Insurance Agent
1776 Peachtree St NE #346s – Atlanta, GA 30309 – (404) 817-0960 – View Map
- Cheryl S Parsel – State Farm Insurance Agent
3145 Peachtree Rd #197 – Atlanta, GA 30305 – (404) 814-0071 – View Map
Picking the best auto insurance agent should depend on more than just a low price. Before buying a policy in Atlanta, get answers to these questions.
- How will an accident affect your rates?
- If they are an independent agency in Atlanta, which companies do they recommend?
- What is the financial rating for the quoted company?
- Is there any savings for paying the full premium?
- Is the quote a firm price?
Coverages available on your policy
Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Lexus NX 300h.
Because many people have only the minimum liability required by law (Georgia limits are 25/50/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits do not exceed the liability coverage limits.
Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for dental work, prosthetic devices, rehabilitation expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible
Collision – Collision coverage covers damage to your NX 300h caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as driving through your garage door, crashing into a building, damaging your car on a curb, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible on your NX 300h to get cheaper collision coverage.
Comprehensive auto insurance – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like a broken windshield, hitting a bird and rock chips in glass. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Auto liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against things such as attorney fees, emergency aid and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Georgia state law requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more liability than the minimum.
Don’t give up on cheaper premiums
People leave their current company for a number of reasons such as delays in paying claims, lack of trust in their agent, high rates after DUI convictions or even poor customer service. It doesn’t matter why you want to switch finding a new car insurance company can be easier than you think.
You just learned a lot of techniques to compare Lexus NX 300h insurance prices in Atlanta. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest prices are with some of the smallest insurance companies.
Lower-priced Lexus NX 300h insurance in Atlanta can be bought on the web and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies may not offer online quoting and usually these smaller companies only sell through independent insurance agents.
Other learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Chevrolet Equinox in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Females in Atlanta? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Teen Driving Statistics (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)