Want to learn how to find more affordable Mazda CX-5 insurance in Atlanta? Searching for low-cost insurance for a Mazda CX-5 in Georgia can normally be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to buy auto insurance so we’re going to tell you the proper way to compare rates for a new or used Mazda and get the cheapest rates from both online companies and Atlanta agents.
You should make it a habit to compare rates before your next renewal due to the fact that insurance prices are constantly changing. If you had the lowest rate on Mazda CX-5 insurance in Atlanta a few years ago you may be paying too much now. There are a lot of ways to save on CX-5 insurance out there, but I’m going to show you some good information on how to lower your auto insurance rates in Atlanta.
If you have coverage now or just want cheaper coverage, you will benefit by learning to reduce premiums without sacrificing coverage. Finding quotes for cheaper policy in Atlanta is not as confusing as people think. Smart shoppers just need to learn the most efficient way to compare different rates on the web.
How to get Atlanta Mazda CX-5 insurance quotes
Cutting your Atlanta insurance rates can be quick and easy. You just need to take the time getting comparison quotes from online providers.
The companies in the list below offer free quotes in Georgia. If multiple providers are shown, it’s a good idea that you visit several of them to get the best price comparison.
It may be expensive, but it’s not optional
Even though it can be expensive, insurance may be required for several reasons.
First, just about all states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability insurance 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.
Second, if your CX-5 has a loan, most lenders will stipulate that you have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the bank may buy a policy for your Mazda at an extremely high rate and force you to reimburse them for it.
Third, insurance protects not only your Mazda but also your financial assets. It also can pay for medical transport and hospital expenses that are the result of an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses in the event you are sued. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance are without a doubt worth the cost, specifically if you ever have a liability claim. Unknowingly, the average driver overpays as much as $810 a year so compare rates every year to ensure rates are inline.
Get cheap rates on Mazda CX-5 insurance in Atlanta with these discounts
Properly insuring your vehicles can get expensive, but there could be significant discounts that can help lower your rates. Some discounts will apply when you quote, but a few must be specially asked for prior to getting the savings.
- Accident Waiver – This one is not really a discount per se, but companies like Allstate, Progressive, and GEICO will forgive one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
- Policy Bundle Discount – If you combine your auto and homeowners policies with one company they may give you a discount of nearly 15% which can help you find cheap CX-5 insurance.
- Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
- Fewer Miles Equal More Savings – Fewer annual miles on your Mazda may allow you to get substantially lower auto insurance rates.
- ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.
Companies that have these discounts may include but are not limited to:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
Before buying, ask all the companies to apply every possible discount. All car insurance discounts may not apply in Atlanta. To choose insurance companies with discount auto insurance rates in Atlanta, click this link.
Comparing quotes from local Atlanta auto insurance agents
Many people would prefer to go talk to an agent and often times that is recommended Most agents can help determine the best coverages and help submit paperwork. One of the great benefits of price shopping on the web is you can get lower premium rates but also keep your business local.
Upon completion of this quick form, your insurance data is instantly submitted to local insurance agents who will gladly provide quotes to get your business. You never need to search for an agent because quoted prices will be sent immediately to your email address. In the event you want to quote rates from a specific insurance provider, you would need to go to their quote page and fill out the quote form the provide.
Deciding on an insurer requires you to look at more than just the price. These are some questions you should get answers to.
- Will their companies depreciate repairs to your car based on the mileage?
- Is the coverage adequate for your vehicle?
- Do they have a Better Business Bureau rating in Atlanta?
- Do they carry Errors and Omissions coverage?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they have 24-hour customer assistance?
- How long has their agency been open in Atlanta?
- Does the company have a local claim office in Atlanta?
If you are wanting to purchase insurance from a reliable agent, there are two different agency structures and how they can service your needs differently. Agents in Atlanta can be categorized as either exclusive or independent (non-exclusive). Both types can properly insure your vehicles, but it is a good idea to know the difference in how they write coverage because it can impact the selection process.
Exclusive Insurance Agencies
Exclusive insurance agents can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents are very knowledgeable on the products they sell and that allows them to sell at a higher price point. Some people will only use the same exclusive agent mainly due to the brand name and strong financial ratings.
Listed below are exclusive insurance agents in Atlanta that are able to give comparison quotes.
- Randy Beavers – State Farm Insurance Agent
135 Mount Vernon Hwy – Atlanta, GA 30328 – (770) 396-3810 – View Map
- Jared Mula – State Farm Insurance Agent
3220 Cobb Pkwy SE #202 – Atlanta, GA 30339 – (770) 874-3325 – View Map
- Dorcelin Bazil – State Farm Insurance Agent
2859 N Druid Hills Rd a – Atlanta, GA 30329 – (404) 634-2447 – View Map
Independent Insurance Agents
Agents that choose to be independent do not write with just one company so they have the ability to put coverage with lots of companies and get the cheapest rates. If your premiums go up, the business is moved internally and you won’t have to switch agencies. When comparing rates, it’s recommended you contact a few independent agents to get the most accurate price comparison. Many write coverage with smaller regional carriers which could offer lower prices.
Below are independent insurance agents in Atlanta that are able to give price quote information.
- Gibb Insurance Agency
991 Cascade Rd SW – Atlanta, GA 30311 – (404) 758-3511 – View Map
- White and White Insurance
2882 E Point St – Atlanta, GA 30344 – (404) 766-9390 – View Map
- Nationwide Insurance: Kevin Thompson Agency
216 14th St NW #8 – Atlanta, GA 30318 – (470) 355-1973 – View Map
Car insurance savings summarized
We just showed you a lot of tips how to find affordable Mazda CX-5 insurance in Atlanta. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the most savings is with an unexpected company.
As you shop your coverage around, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.
People leave their current company for any number of reasons including policy non-renewal, high rates after DUI convictions, an unsatisfactory settlement offer and even delays in responding to claim requests. No matter why you want to switch, finding a great new company is easier than you think.
Much more information about car insurance in Georgia is located at the links below
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for Drivers Under 25 in Atlanta? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Teachers in Atlanta? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Shopping for a Safe Car (Insurance Information Institute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Property Damage Coverage (Liberty Mutual)