Want to know how to find more competitive Mazda 2 insurance in Atlanta? Did a good deal turn out to be an underperforming, overpriced auto insurance policy? You're preaching to the choir because you're not the only one.
Inconceivable but true, over 70% of drivers have bought auto insurance from the same company for more than four years, and nearly half have never taken the time to shop around. With the average auto insurance premium being $1,720, Atlanta drivers can save up to 60% each year just by comparing rates, but they don't invest the time required to compare rates and save money.
Popular companies such as Progressive, State Farm and GEICO constantly blast consumers with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.
If you currently have a car insurance policy, you will be able to get lower rates using the techniques covered below. Finding the cheapest car insurance coverage in Atlanta can initially seem challenging. But Georgia car owners benefit from understanding how big insurance companies charge you for coverage and take advantage of how the system works.
Low-cost companies for Mazda 2 insurance
The following companies offer quotes in Georgia. If multiple companies are shown, we recommend you click on several of them to get the best price comparison.
Cheap Atlanta insurance rates with discounts
Companies offering auto insurance don't necessarily list every available discount very well, so we took the time to find some of the best known and also the more inconspicuous discounts you could be receiving when you buy Atlanta car insurance online. If you aren't receiving every discount you deserve, you are throwing money away.
- Pay Early and Save - By making one initial payment rather than paying monthly you could save 5% or more.
- Switch and Save Discount - Some insurance companies provide a discount for switching companies before your current coverage expires. You can save around 10% with this discount.
- Resident Student - Children who live away from home at college without a vehicle on campus may qualify for this discount.
- Own a Home and Save - Owning your own home or condo can save you money since owning and maintaining a home is proof that your finances are in order.
- Telematics Devices - Atlanta drivers who agree to allow companies to analyze their driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
- Sign Online - Some of the larger companies give back up to $50 for completing your application over the internet.
Policy discounts save money, but some credits don't apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, insurance companies aren't that generous. But any discount should help lower your insurance premiums.
For a list of insurers who offer online Mazda 2 insurance quotes in Atlanta, follow this link.
Independent versus exclusive car insurance agents
Some consumers just prefer to buy from a local agent and that is not a bad decision An additional benefit of getting free rate quotes online is that you can obtain the best rates and still have a local agent. Buying from local agents is definitely important in Atlanta.
After filling out this form (opens in new window), your insurance coverage information is transmitted to companies in Atlanta who will give competitive quotes for your business. You won't even need to contact any agents due to the fact that quote results will go immediately to your email address. You can find better rates without a big time investment. If for some reason you want to compare prices from a particular provider, you can always navigate to their website and give them your coverage information.
If you are wanting to purchase car insurance from an insurance agent, it's important to understand the different types of agents and how they can service your needs differently. Atlanta agents may be either independent or exclusive.
Independent Insurance Agents
Agents of this type often have many company appointments and that allows them to write policies with a variety of different insurance companies and find you the best rates. To transfer your coverage to a different company, they simply switch companies in-house and you stay with the same agent. When searching for an agent, you will definitely want to include at least one independent agent so that you have a good selection of quotes to compare.
Below is a short list of independent insurance agencies in Atlanta that may be able to give free car insurance quotes.
Access General Agency Inc
1627 Peachtree St NE - Atlanta, GA 30309 - (404) 817-9744 - View Map
Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 - Atlanta, GA 30316 - (404) 624-3102 - View Map
Exclusive Car Insurance Agencies
Agents that choose to be exclusive have only one company to place business with like State Farm, AAA, and Liberty Mutual. These agents are unable to provide other company's prices so always compare other rates. They receive a lot of sales training in insurance sales which helps them sell insurance even at higher premiums.
The following is a list of exclusive agents in Atlanta who can help you get price quote information.
Finding the right insurance agency needs to be determined by more than just a cheap price quote. Any good agent in Atlanta should know the answers to these questions.
- Are they giving you every discount you deserve?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they see any coverage gaps in your plan?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Where would your vehicle be repaired?
After talking to the agent and getting good feedback to any questions you have as well as a price you're happy with, most likely you have located a car insurance agent that can be trusted to insure your vehicles. It's important to know that it's your policy and you can cancel your policy whenever you wish so don't feel that you are obligated to any specific company for the entire policy term.
Affordable insurance rates are out there
The cheapest Mazda 2 insurance in Atlanta is definitely available online in addition to many Atlanta insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get quotes online and these small, regional companies sell through independent agents.
When shopping online for insurance, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at the best possible price.
Even more information can be read at these sites: