How to Save on Suzuki Equator Insurance in Atlanta

Are you sick of overpaying and want more affordable Suzuki Equator insurance in Atlanta? Think you have an underperforming, overpriced insurance policy? Trust us, many Atlanta drivers have buyer’s remorse.

It’s amazing but nearly 70% of customers kept their coverage with the same insurance company for well over three years, and just under half have never taken the time to shop around. The average driver in Georgia could save themselves about 60% a year, but they assume it’s a waste of time to find cheap insurance rates.

Insurance companies such as Allstate and Progressive all promote huge savings with catchy ads and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

Buy Atlanta Suzuki Equator insurance online

When comparison shopping, there are several ways to compare prices from many available car insurance companies in Georgia. The best way to compare insurance prices is to jump online and get quotes.

Getting rates online is very simple and it makes it obsolete to physically go to each insurance agency near you. The ability to get quotes online has made agencies unnecessary unless you have a need for the professional abilities that can only be provided by a licensed insurance agent. It is possible to get prices online but still have the advice of a local agent. Just remember that comparing more quotes increases the chance that you will find more affordable insurance.

The providers in the list below are ready to provide price comparisons in Atlanta, GA. If multiple companies are listed, we recommend you visit two to three different companies to find the most affordable auto insurance rates.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in zip code location which can raise or lower prices considerably.

Suzuki Equator insurance costs by gender and age in Atlanta

The example below shows the difference between Suzuki Equator insurance rates for male and female drivers. The information is based on a clean driving record, no claims, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied.

Car insurance deductibles

When comparing car insurance rates, the most common question is how high should your deductibles be. The rates below show the premium difference between low and high comp and collision deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in specific Atlanta garaging location which can affect price quotes significantly.

Based on the figures above, using a $250 deductible could cost the average driver approximately $28 more each month or $336 for a full year than selecting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 27 months between claims, you would probably save some money if you elect the higher deductible.

Suzuki Equator insurance discounts in Atlanta

Insurance can cost an arm and a leg, but you might already qualify for some discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but some must be asked for before you get the savings.

• Discount for Low Mileage – Maintaining low annual mileage could earn slightly better prices than normal.
• Bundle and Save – If you can combine your homeowners and auto policy and place coverage with the same company you may earn nearly 15% which can help you find inexpensive Suzuki Equator insurance in Atlanta.
• Senior Citizens – Drivers over the age of 55 may receive reduced rates.
• Responsible Drivers – Safe drivers may receive a discount up to 45% compared to accident prone drivers.
• Discount for Life Insurance – Insurance carriers who offer life insurance give a discounted price on car insurance if you buy some life insurance too.
• Service Members Pay Less – Being on active deployment in the military could mean lower premium rates.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Companies and some of the discounts can be read below.

• State Farm may have discounts that include multiple policy, multiple autos, student away at school, Steer Clear safe driver discount, and safe vehicle.
• Nationwide discounts include good student, defensive driving, accident-free, easy pay, family plan, Farm Bureau membership, and multi-policy.
• GEICO has discounts for daytime running lights, air bags, seat belt use, emergency military deployment, federal employee, defensive driver, and military active duty.
• AAA offers premium reductions for multi-car, anti-theft, good driver, multi-policy, and education and occupation.
• 21st Century includes discounts for anti-lock brakes, homeowners, early bird, student driver, teen driver, air bags, and automatic seat belts.
• The Hartford offers discounts including vehicle fuel type, defensive driver, bundle, good student, driver training, and anti-theft.

If you want cheaper Atlanta car insurance quotes, ask all companies you are considering to apply every possible discount. Some discounts listed above might not be available to policyholders in Atlanta. To see a list of insurance companies offering car insurance discounts in Georgia, click here to view.

Insurance agent or online?

Some consumers just want to talk to an insurance agent and we recommend doing that The best thing about comparing auto insurance online is that you can find the lowest rates and still have an agent to talk to.

After completing this simple form, your insurance data is instantly submitted to local insurance agents who will return price quotes for your business. You won’t need to find an agent because prices are sent instantly to you. Get lower rates without the usual hassles of price shopping. In the event you want to get a comparison quote from a specific company, don’t hesitate to jump over to their website and fill out their quote form.

Choosing an company shouldn’t rely on just a cheap price. A good agent in Atlanta will have answers to these questions.

• How would your car be valued if totalled?
• Is working in the agency their full-time job?
• Are they able to provide referrals?
• What company holds the largest book of business for them?
• When do they do policy reviews?
• Is the agency covered by Errors and Omissions coverage?
• Is auto insurance their primary focus in Atlanta?
• How experienced are they in personal risk management?

When searching for a good insurance agency, it can be helpful to understand the types of agencies and how they are slightly different. Agents in Atlanta may be either exclusive or independent.

Exclusive Agencies

Agents that elect to be exclusive have only one company to place business with such as Farmers Insurance or State Farm. They usually cannot place coverage with different providers so always compare other rates. Exclusive insurance agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums.

The following is a list of exclusive insurance agents in Atlanta that can give you rate quotes.

More insurance agents

Independent Auto Insurance Agencies

Agents that choose to be independent are not locked into one company so as a result can place your coverage with many different companies and find the cheapest auto insurance rates. To transfer your coverage to a different company, they simply switch companies in-house and you can keep the same agent. When searching for an agent, you need to compare prices from multiple independent agents so that you have a good selection of quotes to compare.

The following is a list of independent agents in Atlanta willing to provide rate quotes.

More insurance agents

Protect your vehicle and other assets

Even though Atlanta Equator insurance rates can get expensive, insurance is required in Georgia but it also protects you in many ways.

• Just about all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability insurance in order to get the vehicle licensed. 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 your Equator has a lien holder, more than likely the lender will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Suzuki at a much higher premium rate and force you to reimburse them for it.
• Insurance protects not only your Suzuki but also your assets. It will also cover medical transport and hospital expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. According to a recent study, the average American driver overpays more than $830 a year so it’s recommended you shop around at every renewal to ensure rates are inline.

Car insurance 101

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverage types available from car insurance companies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Suzuki Equator.

Since a lot of drivers have only the minimum liability required by law (which is 25/50/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

This pays for damage to your Equator from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible on your Equator in order to get cheaper collision rates.

Liability car insurance

Liability insurance can cover damage that occurs to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage pays for claims such as attorney fees, repair costs for stationary objects, court costs, structural damage and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford. Georgia state law requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like hospital visits, EMT expenses and pain medications. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, fire damage, a broken windshield and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

One last note

Cheap Suzuki Equator insurance in Atlanta can be purchased both online as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not provide online price quotes and most of the time these small, regional companies provide coverage only through independent agents.

In this article, we covered a lot of techniques to save on Suzuki Equator insurance in Atlanta. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable Suzuki Equator insurance quotes. You may even find the best price on insurance is with a small local company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate and Progressive.

Much more information about insurance in Georgia can be found at the links below

• Electronic Stability Control FAQ (iihs.org)
• Who Has Affordable Auto Insurance Quotes for a Hyundai Elantra in Atlanta? (FAQ)
• What Auto Insurance is Cheapest for Low Credit Scores in Atlanta? (FAQ)
• How Much is Atlanta Auto Insurance for Drivers Requiring a SR22? (FAQ)
• How Much is Car Insurance After a Speeding Ticket in Atlanta? (FAQ)
• Distracted Driving Statistics (Insurance Information Institute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Understanding your Policy (NAIC.org)
• Safety Tips for Teen Drivers (Insurance Information Institute)