Trying to find low-cost insurance for a new or used Land Rover LR3 in Georgia can normally be a lot of work, but you can follow these tips to save time.
There is a right way and a wrong way to compare insurance rates and you need to know the absolute fastest way to compare rates for a Land Rover and locate the lowest price.
The quickest method to compare policy rates for Land Rover LR3 insurance in Atlanta is to understand most larger insurance companies will pay a fee to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information like if you lease or own, if you have an active license, level of coverage desired, and if you require a SR-22. Those rating factors is instantly submitted to multiple insurance providers and they return quotes with very little delay.
To check rates for your Land Rover LR3 now, click here and find out if lower rates are available in Atlanta.
The providers in the list below are our best choices to provide comparison quotes in Georgia. If multiple companies are listed, we suggest you visit several of them in order to find the lowest rates.
Cheaper rates by taking advantage of discounts
The cost of insuring your cars can be expensive, but you can get discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time you complete a quote, but a few must be specifically requested prior to getting the savings. If you do not check that you are getting every discount you qualify for, you are throwing money away.
- Responsible Driver Discount - Drivers who avoid accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Student Discounts - A discount for being a good student may save you up to 25%. Earning this discount can benefit you up to age 25.
- Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems may get savings of 20% or more.
- Driving Data Discount - People who choose to allow data collection to scrutinize when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate's Drivewise system might get better premium rates if they exhibit good driving behavior.
- More Vehicles More Savings - Buying coverage for multiple cars with the same company qualifies for this discount.
Discounts lower rates, but some credits don't apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, companies wouldn't make money that way.
Some companies that may offer these benefits include:
If you need lower rates, check with all the companies which discounts they offer. Savings might not be offered in Atlanta. To view insurers that offer many of these discounts in Atlanta, follow this link.
Insurance Price Influencing Factors
Smart consumers have a good feel for the different types of things that go into determining the price you pay for car insurance. If you know what influences your rates, this allows you to make educated decisions that may result in cheaper rates. Lots of things are part of the calculation when quoting car insurance. Some of the criteria are obvious such as traffic violations, although some other factors are more obscure such as whether you are married or your financial responsibility.
Shown below are a partial list of the pieces used by insurance companies to determine your premiums.
How much liability coverage - Your car insurance policy's liability coverage will provide protection if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
Males tend to take more risk - Statistics demonstrate women tend to be less risk to insure than men. That doesn't necessarily mean that females are better at driving than males. Males and females have at-fault accidents in similar numbers, but the male of the species tend to have higher claims. In addition to higher claims, males also receive more major tickets like DUI and reckless driving. Youthful male drivers are most likely to cause an accident so it costs more to insure them.
Infrequent drivers can save - Driving more miles each year the more it will cost to insure it. Almost all companies charge rates partially by how you use the vehicle. Cars that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy reflects the correct usage. Having an incorrect usage rating on your LR3 may be costing you.
Single drivers take more risk - Having a spouse can get you a discount on your policy. Having a significant other may mean you are less irresponsible and insurance companies like that married drivers tend to file fewer claims.
Raising coverage deductibles saves money - Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Land Rover. A few examples of covered claims could be a broken windshield, flood damage, or theft. Your deductibles are how much you are required to pay before a claim is paid by your company. The higher the amount the insured is willing to pay, the bigger discount you will receive.
Bad credit hurts insurance premiums - A driver's credit score is a large factor in determining what you pay for car insurance. Insureds with excellent credit scores tend to be less risk to insure than those with bad credit. So if your credit rating is not that good, you may save money insuring your Land Rover LR3 if you improve your credit rating.
Driver age impacts premiums - Older insureds are viewed as being more responsible, are lower risk to insure, and are safer drivers.Inexperience drivers are proven to get distracted easily when behind the wheel therefore car insurance rates are much higher.
Allowing your coverage to lapse raises premiums - Not having insurance is a misdemeanor and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with the Georgia DMV.
Should I contact a local insurance agent?
Some consumers would rather buy from a licensed agent and that is just fine! Agents are highly skilled in risk management and help in the event of a claim. One of the benefits of getting online price quotes is that you can find cheaper auto insurance rates and still choose a local agent. Supporting small agencies is still important in Atlanta.
Once you complete this simple form, your information is immediately sent to agents in your area that provide free Atlanta car insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any agents because prices are sent straight to your inbox. In the event you want to compare rates from a specific car insurance provider, feel free to jump over to their website and fill out their quote form.
If you prefer to buy car insurance from a reliable insurance agent, there are two types of agencies that differ in how they can insure your vehicles. Car insurance agents are classified as either independent agents or exclusive agents depending on their employer. Either one can sell car insurance policies, but it's worth mentioning why they differ because it can influence the type of agent you choose.
Independent Agencies or Brokers
These type of agents are not limited to a single company and that gives them the ability to insure through lots of different companies and find the cheapest car insurance rates. To transfer your coverage to a different company, the business is moved internally which requires no work on your part.
When shopping rates, you should always contact several independent agencies for maximum quote selection. A lot of them also have access to smaller regional carriers that many times have cheaper rates.
The following are independent insurance agencies in Atlanta who may provide cheap rate quotes.
- Nationwide Insurance: Slater Insurance Agency LLC
501 Pulliam St SW #514a - Atlanta, GA 30312 - (404) 474-6356 - View Map
- Perimeter Insurance Agency
5855 Buford Hwy NE # E - Atlanta, GA 30340 - (770) 452-8881 - View Map
- Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A - Atlanta, GA 30310 - (470) 771-3398 - View Map
Exclusive Car Insurance Agencies
Exclusive insurance agents can only place business with one company like State Farm or Allstate. These agents are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are well schooled on the products they sell which aids in selling service over price. Many people use the same exclusive agent mostly because of the prominent brand name instead of buying on price only.
Listed below are Atlanta exclusive agents that can give you comparison quotes.
- Ryan King - State Farm Insurance Agent
3355 Lenox Rd NE #230 - Atlanta, GA 30326 - (404) 816-3276 - View Map
- Randy Beavers - State Farm Insurance Agent
135 Mount Vernon Hwy - Atlanta, GA 30328 - (770) 396-3810 - View Map
- Eddie Sanders - State Farm Insurance Agent
47 Perimeter Center E #130 - Atlanta, GA 30346 - (770) 394-5068 - View Map
Choosing the best auto insurance agent shouldn't rely on just the premium amount. Any good agent in Atlanta should know the answers to these questions.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Is every driver in your family covered?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is the quote a firm price?
- Which insurance company do they prefer to write with?
After you get good responses to any questions you may have and an affordable coverage quote, it's possible that you found a car insurance agent that meets your needs to insure your vehicles. Just keep in mind you are able to cancel your policy for any reason so never assume you are locked into your new company for any length of time.
Don't give up on cheap coverage
Affordable Land Rover LR3 insurance in Atlanta is definitely available from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance providers do not provide rates over the internet and most of the time these small, regional companies work with local independent agents.
Drivers switch companies for many reasons like extreme rates for teen drivers, high rates after DUI convictions, questionable increases in premium or not issuing a premium refund. Regardless of your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.
As you go through the steps to switch your coverage, it's a bad idea to skimp on coverage in order to save money. Too many times, someone sacrificed liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at the best price, but don't skip important coverages to save money.
More tips and info about auto insurance can be found at these sites:
- Neck Injury FAQ (iihs.org)
- Who Has Cheap Atlanta Auto Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- Who Has Affordable Atlanta Auto Insurance Quotes for a Honda Accord? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Used Cars in Atlanta? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Uninsured Drivers in Atlanta? (FAQ)
- How Much are Atlanta Car Insurance Rates for Low Income Drivers? (FAQ)
- Information for Teen Drivers (GEICO)
- Vehicle Size and Weight FAQ (iihs.org)
- Safety Tips for Teen Drivers (Insurance Information Institute)