Buying cheap Atlanta Hyundai Tiburon insurance quotes on the internet can appear to be intimidating for consumers who are new to buying insurance on the web. With so many agents and companies in the marketplace, how are we expected to have a chance to compare them all to find the cheapest price possible?
A recent auto insurance study revealed that a large majority of consumers kept buying from the same company for at least the last four years, and just short of a majority have never compared rates to find affordable insurance. U.S. drivers can cut their rates by up to 47% a year just by comparing rates, but they think it’s difficult to compare rates.
You should make it a habit to take a look at other company’s rates periodically because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Hyundai Tiburon insurance in Atlanta at your last renewal there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because you’re about to learn the things you must know in order to find lower rates on auto insurance.
Best companies for Hyundai Tiburon insurance
The companies in the list below have been selected to offer comparison quotes in Georgia. If the list has multiple companies, we recommend you get rate quotes from several of them in order to get a fair rate comparison.
Lower rate quotes by taking advantage of discounts
Companies do not advertise every possible discount very well, so here is a list both well-publicized as well as some of the hidden discounts you could be receiving when you buy Atlanta car insurance online.
- Student Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
- Save over 55 – If you qualify as a senior citizen, you may be able to get a discount up to 10%.
- Discount for New Cars – Insuring a new Tiburon may earn a small discount because newer models keep occupants safer.
- Passive Restraint Discount – Options like air bags may qualify for discounts of more than 20%.
- Multi-line Discount – Insurance companies who offer life insurance give a small discount if you purchase life insurance.
- Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could earn a discount of nearly 15% which can help you find cheap Tiburon insurance.
- Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Atlanta car insurance quote.
- Resident Student – Kids who live away from home at college and leave their car at home may be able to be covered for less.
You should keep in mind that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So when it seems like you can get free auto insurance, you won’t be that lucky.
A partial list of companies who may offer these benefits include:
- State Farm
- Liberty Mutual
- American Family
- Farmers Insurance
- Auto-Owners Insurance
It’s a good idea to ask every prospective company which credits you are entitled to. Some discounts listed above might not be offered in Atlanta. To locate insurance companies with significant discounts in Atlanta, click this link.
Learn How to Lower Your Insurance Premiums
The best way to find cheaper car insurance is to take a look at some of the elements that go into determining your car insurance rates. If you understand what influences your rates, this empowers consumers to make smart changes that could result in cheaper rates. Multiple criteria are part of the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but other criteria are not quite as obvious like your continuous coverage or how financially stable you are.
The factors shown below are some of the most rate-impacting factors used by your company to calculate your prices.
- Is your vehicle theft-ready? – Owning a car with an alarm system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
- Premiums are affected by your address – Choosing to live in areas with lower population can save you money when talking about car insurance. Fewer drivers and short commutes means less chance of accidents in addition to lower liability claims Residents of big cities tend to have traffic congestion and much longer commute distances. The longer drive time statistically corresponds to a higher accident and claim rate.
- Younger drivers are expensive to insure – Older insureds have been proven to be more responsible, cause fewer claims and accidents, and usually have better credit.Drivers with little experience tend to be less responsible in a vehicle so they pay higher car insurance rates.
- Bundle home and auto and save – Many insurance companies give better rates to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even if you already get this discount, it’s in your best interest to check prices from other companies to guarantee you are still saving the most.There is a good possibility that you can find better rates by buying from different companies
- Stressful job may mean higher rates – Did you know your career choice can influence rates? Jobs such as real estate brokers, executives and miners generally have higher rates than average in part from intense work requirements and lengthy work days. On the flip side, jobs such as scientists, students and the unemployed pay the least.
- Traffic violations hurt – Your driving citation history impacts your car insurance rates tremendously. Getting just one driving citation may cause rates to rise by as much as thirty percent. Drivers who don’t get tickets pay less for auto insurance than people who have multiple driving citations. Drivers who get careless violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to prove financial responsibility with their state motor vehicle department in order to legally drive.
- Being married brings a discount – Your spouse may cut your premiums compared to being single. Marriage translates into being more financially stable and statistics prove married drivers get in fewer accidents.
- Never let your policy expire – Allowing your coverage to lapse will be a fast way to bump up your car insurance costs. In addition to paying higher premiums, getting caught without coverage may earn you a steep fine or even jail time. You may then be required to submit proof of financial responsibility or a SR-22 with the Georgia department of motor vehicles.
Auto insurance agents can help
A small number of people still like to buy from a licensed agent. The best thing about comparing rate quotes online is the fact that drivers can get cheap car insurance rates and also buy local. And providing support for local agents is important particularly in Atlanta.
After completing this quick form, your information is submitted to companies in Atlanta that provide free Atlanta car insurance quotes for your business. You won’t need to do any legwork as quotes are delivered to your email. You’ll get the best rates and work with a local agent. If for some reason you want to get a price quote from a specific insurance company, feel free to jump over to their website and fill out the quote form the provide.
Shown below are agents in Atlanta that may be willing to give rate quotes for Hyundai Tiburon insurance in Atlanta.
- Allstate Insurance: Laura Leidigh
7 Lenox Pointe NE – Atlanta, GA 30324 – (404) 233-5650 – View Map
- Traci McCrory – State Farm Insurance Agent
1526 E Forrest Ave #250 – Atlanta, GA 30344 – (678) 539-8623 – View Map
- Nationwide Insurance: Kevin Thompson Agency
216 14th St NW #8 – Atlanta, GA 30318 – (470) 355-1973 – View Map
- PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map
Choosing the best provider is decision based upon more than just a cheap price quote. The following questions are important to ask.
- Where would your vehicle be repaired?
- How long has their agency been open in Atlanta?
- Can you choose the body shop in case repairs are needed?
- Can they provide you with a list of referrals?
- Are they able to influence company decisions when a claim is filed?
- How much will you save each year by using a higher deductible?
Don’t believe everything you hear
Respected companies like Progressive, Allstate and GEICO consistently run ads on TV and radio. All the ads make the point about savings after switching to them. How can each company sell you cheaper insurance coverage?
All the different companies quote the lowest rates for a prospective insured that will not have excessive claims. One example of a profitable customer might be described as over the age of 40, has a clear driving record, and drives a car with an anti-theft system. A propective insured that matches those criteria is entitled to the best price and have a good chance to pay quite a bit less when switching companies.
People who cannot meet these criteria must pay more expensive rates and this can result in the customer buying from someone else. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can confidently claim big savings.
Because of these techniques, you absolutely need to compare rate quotes every year. It’s just not possible to know which auto insurance company will have better prices than you’re paying now.
Smart shoppers get results
People leave their current company for a number of reasons such as extreme rates for teen drivers, not issuing a premium refund, denial of a claim and questionable increases in premium. Regardless of your reason, finding a new company can be easy and end up saving you some money.
Budget-conscious Hyundai Tiburon insurance is attainable on the web in addition to local insurance agencies, so get free Atlanta car insurance quotes from both of them to have the best selection. Some companies may not offer the ability to get a quote online and usually these smaller providers prefer to sell through independent agents.
When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price while not skimping on critical coverages.
More information can be read at these links:
- How to Avoid Common Accidents (State Farm)
- How Much are Auto Insurance Rates for Hybrid Vehicles in Atlanta? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Preventing Carjacking and Theft (Insurance Information Institute)