How many times have you said it's time to compare low-cost car insurance rates in Atlanta, GA? Atlanta drivers have many options when trying to find the lowest priced Kia Optima Plug-In Hybrid insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to make rate comparisons. There is a better way to compare car insurance rates and you need to know the best way to compare rates for a new or used Kia and obtain the lowest possible price from Atlanta insurance agents and online providers.
You should take the time to quote other rates occasionally because prices change quite often. Even if you got the best quotes on Kia Optima Plug-In Hybrid insurance in Atlanta at your last renewal a different company probably has better rates today. Ignore everything you know about car insurance because we're going to show you the best way to remove unneeded coverages and save money.
How to compare Atlanta Kia Optima Plug-In Hybrid insurance rate quotes
Many insurance companies such as 21st Century, Allstate and State Farm make it easy to get prices for coverage directly from their websites. Getting Kia Optima Plug-In Hybrid insurance prices online is fairly simple as you just enter the amount of coverage you want as detailed in the form. Behind the scenes, the quote system requests credit information and your driving record and generates a price based on many factors.
The ability to get online price quotes for Kia Optima Plug-In Hybrid insurance in Atlanta helps simplify price comparisons, and it's absolutely necessary to perform this step if you want to get lower-cost car insurance pricing.
To get comparison pricing now, take a look at the companies shown below. If you currently have coverage, we recommend you input your coverages as close as possible to your current policy. Doing this guarantees you will be getting rate comparison quotes based on similar coverages.
The companies in the list below have been selected to offer free quotes in Atlanta, GA. If more than one company is shown, we recommend you compare several of them in order to get a fair rate comparison.
Choosing the best Optima Plug-In Hybrid insurance in Georgia is an important decision
Despite the high cost of buying insurance for a Kia Optima Plug-In Hybrid in Atlanta, insuring your vehicle serves an important purpose.
- Most states have compulsory liability insurance requirements which means the state requires a specific level of liability 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.
- If you have a lien on your vehicle, almost every bank will make it a condition of the loan that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender will be forced to insure your Kia at a significantly higher premium and make you pay for the expensive policy.
- Insurance protects both your Kia and your assets. Insurance will pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. If mother nature or an accident damages your car, your insurance policy will pay to have it repaired.
The benefits of buying enough insurance are without a doubt worth the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying over $700 annually so smart consumers compare quotes once a year at a minimum to help ensure money is not being wasted.
Atlanta Insurance Costs are Influenced by These Factors
Multiple criteria are used when premium rates are determined. Some of the criteria are obvious like your driving record, but others are less obvious such as your credit history or how financially stable you are. A large part of saving on insurance is knowing some of the elements that play a part in calculating 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 better insurance rates.
Shown below are most of the major factors used by companies to determine your prices.
- Cars with good safety ratings cost less to insure - Vehicles with good safety scores can get you lower premiums. Vehicles built for safety result in less severe injuries and reduced instances of injuries means less claims paid which can mean better rates for you.
- Driver age impacts prices - Young drivers in Georgia have a tendency to be inattentive when driving therefore insurance rates are much higher. Older insureds are more responsible, cost insurance companies less in claims, and are generally more financially stable.
- Liability protection - Your insurance policy's liability coverage kicks in if you are found liable for personal injury or accident damage. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
- Do you work long hours in a high stress occupation? - Do you have a high-stress occupation? Careers such as military generals, architects and dentists usually pay higher rates than average because of intense work requirements and extremely grueling work hours. On the other hand, occupations like actors, athletes and performers get better rates.
Get cheaper Kia Optima Plug-In Hybrid insurance in Atlanta with discounts
Some insurance providers don't list every available discount very well, so the following list contains some of the best known in addition to some of the lesser obvious credits available to you.
- ABS Brakes - Cars equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
- Seat Belt Discounts - Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks off the medical payments premium.
- Distant Student - Older children who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
- Good Driver Discount - Accident-free drivers may receive a discount up to 45% compared to accident prone drivers.
- Policy Bundle Discount - If you can combine your auto and home policy with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
- E-sign - A handful of car insurance companies give back up to $50 for buying your policy on their website.
- Discount for New Cars - Buying a new car instead of a used Optima Plug-In Hybrid can get you a discount compared to insuring an older model.
As a disclaimer on discounts, most credits do not apply to the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
A partial list of companies that may include some of the discounts shown above possibly include:
Check with each company what discounts are available to you. Depending on the company, some discounts may not apply in every state. To locate car insurance companies with discount car insurance rates in Georgia, follow this link.
Do I need special coverages?
Keep in mind that when it comes to choosing the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and your auto insurance should be unique as well. Here are some questions about coverages that might point out if your situation would benefit from professional advice.
- How high should my medical payments coverage be?
- What is high-risk coverage and where do I buy it?
- Are split liability limits better than a combined single limit?
- Are rock chip repairs covered?
- Does liability extend to a camper or trailer?
- What is the minimum liability in Georgia?
- Do I need an umbrella policy?
If you're not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Local agents and car insurance
Certain consumers would prefer to buy from a local agent and that is OK! Most agents are trained risk managers and help submit paperwork. A nice benefit of comparing rate quotes online is that drivers can save money and get the best rates and still choose a local agent.
To make it easy to find an agent, after completing this simple form, the coverage information gets sent to agents in your area who will gladly provide quotes for your coverage. It's much easier because you don't need to contact an agency due to the fact that quote results will go immediately to your email address. If you wish to quote rates from a specific company, just go to their quote page and give them your coverage information.
Deciding on an insurance company needs to be determined by more than just the bottom line cost. Before buying a policy in Atlanta, get answers to these questions.
- Do they make recommendations based only on price?
- Do they offer claims assistance after hours?
- How often do they review policy coverages?
- Is the agent CPCU or CIC certified?
- Is the agency active in community causes in Atlanta?
- Will the quote change when the policy is issued?
Exclusive agents vs. Independent agents
When narrowing the list to find a reliable insurance agency, there are a couple of different types of agents and how they are distinctly different. Car insurance agencies are either exclusive or independent. Either one can insure your vehicles, but it is important to understand how they are different because it can factor into buying decisions.
Exclusive Car Insurance Agencies
These type of agents can only provide one company's prices such as American Family, State Farm, and Allstate. They generally cannot shop your coverage around so you might not find the best rates. Exclusive agencies are usually well trained on their products and sales techniques which aids in selling service over price. Many people buy insurance from these agents mainly due to the brand name and strong financial ratings.
Shown below are exclusive agencies in Atlanta who may provide you with price quotes.
- Phyllis Mitchell - State Farm Insurance Agent
1442 Dresden Dr NE #253 - Atlanta, GA 30319 - (404) 812-9951 - View Map
- Jared Mula - State Farm Insurance Agent
3220 Cobb Pkwy SE #202 - Atlanta, GA 30339 - (770) 874-3325 - View Map
- Clyde Hill Jr - State Farm Insurance Agent
3041 N E Expy - Atlanta, GA 30341 - (770) 452-1485 - View Map
Independent Car Insurance Agencies
Independent insurance agents are not restricted to one company and that enables them to quote your coverage amongst many companies and help determine which has the cheapest rates. If they find a cheaper price, your policy is moved internally and that require little work on your part. When comparing rates, you will definitely want to check rates from independent agents to have the most options to choose from. Most have the option of insuring with less well-known companies that can offer cheaper rates than bigger companies.
The following are Atlanta independent insurance agencies willing to provide price quote information.
- Siegel Insurance
2987 Clairmont Rd #425 - Atlanta, GA 30329 - (404) 633-6332 - View Map
- Morris and Templeton Insurance
3405 Piedmont Rd NE #500 - Atlanta, GA 30305 - (912) 355-4549 - View Map
- Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 - Atlanta, GA 30316 - (404) 624-3102 - View Map
After you get good answers to these questions and a low price estimate, chances are good that you have found an auto insurance agent that is reputable and can adequately provide car insurance.
As you go through the steps to switch your coverage, it's not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.
Cheap Kia Optima Plug-In Hybrid insurance in Atlanta can be bought online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some companies may not offer internet price quotes and most of the time these regional carriers only sell through independent agents.
We just presented a lot of ways to save on Kia Optima Plug-In Hybrid insurance in Atlanta. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the biggest savings come from an unexpected company. Some small companies often have lower rates on specific markets as compared to the big name companies such as Progressive and GEICO.
To learn more, link through to the following helpful articles:
- Auto Insurance 101 (About.com)
- Who Has the Cheapest Car Insurance for a Jeep Wrangler in Atlanta? (FAQ)
- Who Has Affordable Atlanta Auto Insurance Rates for Drivers with Good Credit? (FAQ)
- How Much is Car Insurance After a Speeding Ticket in Atlanta? (FAQ)
- Who Has Cheap Car Insurance for High Mileage Drivers in Atlanta? (FAQ)
- Who Has the Cheapest Atlanta Auto Insurance Quotes for Retired Military? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)
- Driving in Bad Weather (Insurance Information Institute)