Car owners fed up with high insurance rates and are new to comparing car insurance rates on the internet are likely to discover locating cheap Prius Prime insurance is harder than it needs to be.
Unthinkable but true, the majority of drivers have remained with the same auto insurance company for at least four years, and nearly half have never compared rates from other carriers. Atlanta insurance shoppers could save an average of approximately $960 each year by just comparing rate quotes, but they don't know how much savings they would realize if they switched to a cheaper policy.
Consumers need to get comparison quotes occasionally due to the fact that insurance rates go up and down regularly. Just because you had the lowest premium rates on Toyota Prius Prime insurance in Atlanta a few years ago you can probably find a better price now. Forget all the misinformation about auto insurance because you're about to learn how to use the internet to save on auto insurance.
Lower Your Atlanta Insurance Rates
A large part of saving on insurance is knowing the factors that are used to determine the level of your policy premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that will entitle you to cheaper rates. Lots of factors are taken into consideration when pricing auto insurance. Some are pretty understandable like an MVR report, although some other factors are more obscure such as whether you are married or your vehicle rating.
Stress out and pay more - Careers like military personnel, social workers and financial analysts generally pay higher rates than the rest of us because of intense work-related stress and long work days. Other jobs such as scientists, students and the unemployed pay lower than average rates.
Rates can drop if you have more than one policy - Most companies allow discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even if you already get this discount, drivers will still want to shop around to guarantee you are still saving the most.
Gender impacts premiums - Over time, data shows females are less aggressive when driving. However, don't assume that women are BETTER drivers than men. Women and men cause fender benders at about the same rate, but males have accidents that have higher claims. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
Premiums increase with driving tickets - Being a careful driver influences premium rates substantially. Drivers with clean records get better rates than their less careful counterparts. Even one ticket may cause rates to rise forty percent or more. Drivers who have gotten dangerous tickets such as reckless driving or DUI may find they need to file a SR-22 with their state in order to drive a vehicle legally.
Getting married brings a discount - Having a significant other may cut your premiums on insurance. Marriage usually means you are more financially stable and it's statistically proven that being married results in fewer claims.
To get low cost Atlanta auto insurance quotes, there a variety of ways of comparing price quotes from many auto insurance companies in Georgia. The easiest way by far to compare rates involves getting comparison quotes online. Just keep in mind that comparing a large number of companies will improve the odds of getting the best rates. Not every company allows you to get rate quotes online, so you need to compare quotes from those companies as well.
The companies shown below provide price comparisons in Georgia. If several companies are displayed, it's highly recommended you get price quotes from several of them to find the most competitive car insurance rates.
Choosing Toyota Prius Prime insurance is an important decision
Even though it's not necessarily cheap to insure a Toyota in Atlanta, buying car insurance serves an important purpose.
- Just about all states have compulsory liability insurance requirements which means the state requires a specific level of liability in order to drive the car. 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.
- If you have a loan on your Prius Prime, it's most likely the lender will require you to buy insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the bank may buy a policy for your Toyota for a lot more money and force you to reimburse them the higher premium.
- Car insurance protects not only your Toyota Prius Prime but also your assets. Insurance will also pay for hospital and medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit in the event you are sued. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance more than offset the price you pay, especially for larger claims. Despite what companies tell you, the average driver is currently overpaying as much as $810 a year so shop around at least once a year to be sure current rates are still competitive.
Earn discounts on Atlanta auto insurance
Auto insurance is not inexpensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied at the time of purchase, but some must be manually applied before you will receive the discount.
- Government Employee Discount - Simply working for the federal government may qualify for a discount when you quote Atlanta auto insurance with select insurance companies.
- Low Mileage Discounts - Low annual miles could be rewarded with slightly better rates than normal.
- Waiver for an Accident - This isn't a discount exactly, but certain companies will let one accident slide without getting socked with a rate hike as long as you don't have any claims before the accident.
- Memberships - Participating in qualifying clubs or civic groups can get you a small discount on your bill.
- Theft Deterrent - Cars equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
You can save money using discounts, but some of the credits will not apply to the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it doesn't quite work that way. But any discount will bring down your policy premiums.
A partial list of companies that may include these discounts include:
Before you buy a policy, ask each company to apply every possible discount. All car insurance discounts might not be offered on policies in your state.
Insurance agencies can find coverage gaps
Certain consumers still prefer to sit down and talk to an agent and that can be a smart move A good thing about price shopping on the web is that you can obtain the lowest rates and also buy local.
Once you complete this quick form, your insurance coverage information is sent to insurance agents in Atlanta who will give you quotes for your coverage. There is no reason to search for an agent due to the fact that quote results will go to the email address you provide. Get lower rates and a licensed agent to work with. If you have a need to get a comparison quote from a specific auto insurance provider, you can always find their quoting web page and fill out the quote form the provide.
Finding a good insurer is decision based upon more than just the premium amount. Any agent in Atlanta should have no problem answering these questions:
- Do they have cheaper tiers of coverage?
- Is assistance available after office hours?
- Does their agency support local causes in Atlanta?
- Can you get a list of referrals?
- If independent agents, which companies do they recommend?
- How often do they review policy coverages?
After getting positive responses for all questions you ask and a good coverage price, you may have just found an insurance company that can be relied on to properly service your auto insurance policy. Just understand that it's your policy and you can cancel your policy at any point so never assume you are locked into any specific agency for the full term.
Which is the best car insurance?
When it comes to buying your policy, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might help in determining if your insurance needs may require specific advice.
- Does having multiple vehicles earn me a discount?
- How does medical payments coverage work?
- Are my friends covered when driving my Toyota Prius Prime?
- Which companies will insure me after a DUI?
- Do I have coverage when pulling a U-Haul trailer?
- Can I get by with minimal medical coverage if I have good health insurance?
- How long can I keep a teen driver on my policy?
- Should I have combined single limit or split liability limits?
- What if I don't agree with a claim settlement offer?
If it's difficult to answer those questions, you may need to chat with a licensed agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier
Compare but don't skimp
While you're price shopping online, you should never sacrifice coverage to reduce premiums. In many instances, an insured cut liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.
The cheapest Toyota Prius Prime insurance in Atlanta can be bought online in addition to many Atlanta insurance agents, so you need to shop Atlanta auto insurance with both to have the best chance of lowering rates. Some companies may not have price quotes online and usually these regional insurance providers sell through independent agents.
Throughout this article, we presented many ways to save on Toyota Prius Prime insurance in Atlanta. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper Atlanta auto insurance quotes. Drivers may even discover the most savings is with a smaller regional carrier. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.
For more information, link through to these articles:
- Understanding Rental Car Insurance (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Chevrolet Equinox in Atlanta? (FAQ)
- Who Has Affordable Atlanta Car Insurance for Drivers Over Age 50? (FAQ)
- Who Has Cheap Auto Insurance for a Kia Optima in Atlanta? (FAQ)
- Who Has the Cheapest Auto Insurance for Felons in Atlanta? (FAQ)
- Who Has Affordable Atlanta Auto Insurance for a Honda Civic? (FAQ)
- How Much is Atlanta Auto Insurance for College Graduates? (FAQ)
- How Much are Atlanta Auto Insurance Rates for a Nissan Sentra? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Credit Impacts Car Insurance Rates (State Farm)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)