Do you get overwhelmed by the crazy number of insurance providers in Atlanta? You’re not alone. You have so many choices that it can be more work than you anticipated to find the best prices for Toyota Corolla insurance in Atlanta. Atlanta has many things to offer, but pricey insurance can make it hard to afford.
A recent insurance study discovered that the majority of drivers kept their coverage with the same insurance company for at least the last four years, and 38% of drivers have never taken the time to shop around. Atlanta drivers can cut their rates by roughly 60% a year, but they underestimate the actual amount they would save if they replace their high priced policy.
When price shopping your coverage, more quotes helps you find better pricing. Not every company allows you to get online price quotes, so it’s necessary to compare rates from the smaller companies as well.
The providers in the list below offer free rate quotes in Atlanta, GA. If more than one company is shown, we recommend you get price quotes from several of them to find the lowest auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in garaging location in Atlanta which can alter coverage rates noticeably.
Drive safe and save
The diagram below highlights how traffic violations and accidents can increase Toyota Corolla premium costs for different age categories. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Full coverage or liability only
The illustration below examines Toyota Corolla insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or violations, $1,000 deductibles, married female driver, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no exact rule to exclude comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s say your Toyota Corolla replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying your policy deductible. If it’s costing you more than $300 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are a few cases where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
Do I need special coverages?
When it comes to the best insurance coverage, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
For instance, these questions could help you determine whether you might need an agent’s assistance.
- Does my policy pay for OEM or aftermarket parts?
- What if an uninsured driver hits me?
- Is my custom stereo system covered?
- Should I get collision insurance on every vehicle?
- Should I drop comprehensive coverage on older vehicles?
- Do I need PIP coverage since I have good health insurance?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.
Local neighborhood agents and insurance
Some consumers still prefer to have an agent’s advice and that can be a smart move A nice benefit of comparing insurance prices online is that you can obtain cheaper premium rates and still choose a local agent. Buying insurance from neighborhood agents is important especially in Atlanta.
To help locate an agent, after submitting this quick form, your information is sent to participating agents in Atlanta who will give competitive quotes for your insurance coverage. You never need to drive around since price quotes are sent to the email address you provide. Get lower rates AND an agent nearby. In the event you want to compare prices for a specific company, just search and find their rate quote page and give them your coverage information.
If you are searching for a local Atlanta insurance agent, you need to know there are two different types of agencies and how they can quote your rates. Insurance agents can either be independent agents or exclusive agents depending on their employer.
Independent Agencies or Brokers
Agents in the independent channel can quote rates with many companies and that gives them the ability to insure with any number of different companies and find you cheaper rates. If prices rise, they can switch companies in-house and the insured can keep the same agent. If you are trying to find cheaper rates, we recommend you contact multiple independent agents in order to compare the most rates. They often place coverage with smaller regional carriers that may have much lower rates than larger companies.
Featured below is a list of independent agents in Atlanta that can give you free insurance quotes.
- Morris and Templeton Insurance
3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
- Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A – Atlanta, GA 30310 – (470) 771-3398 – View Map
- Gibb Insurance Agency
991 Cascade Rd SW – Atlanta, GA 30311 – (404) 758-3511 – View Map
Exclusive Insurance Agencies
These type of agents normally can only provide a single company’s rates and some examples include Farmers Insurance, Allstate, or State Farm. These agents are unable to provide other company’s prices so it’s a take it or leave it situation. These agents are usually well trained in insurance sales which can be an advantage. Consumers frequently buy insurance from these agents mostly because of the brand legacy rather than having low rates.
Listed below are exclusive insurance agencies in Atlanta who can help you get comparison quotes.
- Willard Murphy – State Farm Insurance Agent
3867 Roswell Rd NE #101 – Atlanta, GA 30342 – (404) 816-8885 – View Map
- Phyllis Mitchell – State Farm Insurance Agent
1442 Dresden Dr NE #253 – Atlanta, GA 30319 – (404) 812-9951 – View Map
- Trevor Nollner – State Farm Insurance Agent
881 Ponce De Leon Ave NE #17 – Atlanta, GA 30306 – (678) 515-8297 – View Map
Finding the right insurance agent requires more thought than just the price. The following questions are important to ask.
- Do the companies they represent have a solid financial rating?
- What insurance companies do they work with in Atlanta?
- How often do they review policy coverages?
- What is the agency’s Better Business Bureau rating?
- Is auto insurance their primary focus in Atlanta?
- Is assistance available after office hours?