Affordable Atlanta Chrysler Sebring Insurance

I can’t think of anyone who likes paying for auto insurance, especially when they are aware that it costs too dang much.

Unbelievable but true, the vast majority of consumers kept their coverage with the same auto insurance company for four years or more, and about 40% of consumers have never compared quotes from other companies. Drivers in Atlanta could save about $960 a year, but they feel it’s too difficult to compare rate quotes. Many car insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company and uncover the absolute lowest rate possible on Chrysler Sebring insurance in Atlanta.

You should take the time to get comparison quotes at least once a year because auto insurance prices tend to go up over time. Despite the fact that you may have had the lowest price on Chrysler Sebring insurance in Atlanta on your last policy you will most likely find a better rate today. Ignore everything you know about auto insurance because you’re about to find out one of the quickest ways to lower your rates without sacrificing coverage.

If you have insurance now or want to find a cheaper company, use these money-saving tips to shop for the lowest rates without reducing protection. Finding the cheapest insurance coverage in Atlanta can really be easy if you know what you’re doing. Consumers just need to use the fastest way to shop over the internet.

Check for these discounts on Chrysler Sebring insurance in Atlanta

Insurance can cost an arm and a leg, but you might find some hidden discounts that many consumers don’t even know exist. Most are applied at the time of quoting, but some discounts are required to be requested specifically before you will receive the discount.

• Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts in comparison with drivers with a long claim history.
• Pay Early and Save – By paying your entire bill at once rather than spreading payments over time you can avoid the installment charge.
• Active Service Discounts – Being deployed with a military unit can result in better auto insurance rates.
• Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
• Distant Student – Older children living away from Atlanta attending college and don’t have a car may qualify for this discount.
• Policy Bundle Discount – When you combine your homeowners and auto insurance with the same company you could get a discount of approximately 10% to 15%.
• No Charge for an Accident – This isn’t a discount exactly, but companies like State Farm and GEICO will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a specific time period.
• 55 and Retired – Mature drivers may be able to get a discount up to 10%.
• Good Student – This discount could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.

Drivers should understand that many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts will reduce your policy premiums.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

• Progressive has savings for online quote discount, continuous coverage, multi-vehicle, multi-policy, online signing, homeowner, and good student.
• The Hartford offers discounts including air bag, anti-theft, defensive driver, good student, driver training, bundle, and vehicle fuel type.
• Mercury Insurance may offer discounts for multi-policy, low natural disaster claims, ease of repair, good student, and annual mileage.
• GEICO discounts include five-year accident-free, membership and employees, seat belt use, defensive driver, good student, air bags, and daytime running lights.
• AAA offers discounts for multi-policy, good driver, pay-in-full, AAA membership discount, and good student.
• State Farm may have discounts that include Drive Safe & Save, accident-free, anti-theft, student away at school, defensive driving training, good student, and Steer Clear safe driver discount.

Double check with each company or agent which discounts you qualify for. All car insurance discounts may not apply to policies in every state. If you would like to view insurers that offer the discounts shown above in Atlanta, follow this link.

How to compare free Atlanta Chrysler Sebring insurance price quotes

Cutting your Atlanta insurance rates is not rocket science. Just take time to compare rate quotes to see which company has affordable Atlanta car insurance quotes.

It’s so simple to compare insurance rate quotes online replaces the need to drive around to local Atlanta insurance agencies. Comparing online rate quotes eliminates the middleman unless you prefer the professional assistance only provided by licensed Atlanta agents. If you prefer, some companies allow you to comparison shop your insurance online but still have the advice of a local agent.

The following companies are ready to provide free quotes in Atlanta, GA. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in Atlanta location which can decrease or increase rates greatly.

Higher deductibles lower rates

The example below demonstrates how deductibles and can change Chrysler Sebring yearly insurance costs for each different age group. The premiums are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

Physical damage deductibles: Should you raise them?

When shopping for car insurance, a common question is which deductible level should you buy. The rates below illustrate the differences in price between high and low comp and collision deductibles. The first price estimate table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in specific Atlanta garaging location which can revise premium rates substantially.

Based on these figures, using a $100 deductible costs approximately $45 more each month or $540 each year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 20 months between claims, you would probably save some money if you opt for a higher deductible.

One important note is that a higher deductible level results in having to pay to pay more out-of-pocket when you have to file a claim. You should have some savings in order to pay the deductible for vehicle repair.

Car insurance prices based on gender

The diagram below illustrates the difference between Chrysler Sebring auto insurance costs for male and female drivers. The premiums are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are factored in.

Shop online but buy locally

Some people prefer to sit down and talk to an agent and that is just fine! Agents are very good at helping people manage risk and will help you if you have claims. The best thing about getting online price quotes is that you can find the best rates and still have an agent to talk to. And providing support for local insurance agencies is important especially in Atlanta.

Upon completion of this short form, the coverage information is emailed to insurance agents in Atlanta who want to provide quotes for your coverage. There is no need to search for an agent since price quotes are sent directly to you. If for some reason you want to get a comparison quote from a specific car insurance provider, just visit that company’s website and fill out their quote form.

If you are wanting to find a good insurance agency, there are two types of insurance agents that you can select. Atlanta agents are classified as either exclusive or independent agents depending on their company appointments. Either can provide car insurance policies, but it is important to understand the difference in the companies they write for because it can influence the selection process.

Independent Agencies or Brokers

Agents in the independent channel are normally appointed by many insurers and that enables them to quote your coverage through lots of different companies and potentially find a lower price. If you want to switch companies, the agent simply finds a different carrier and the insured can keep the same agent. When shopping rates, you will want to compare quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.

Featured below are independent agencies in Atlanta who may be able to give you pricing information.

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Exclusive Insurance Agencies

Agents that choose to be exclusive can usually just insure with one company such as State Farm or Allstate. Exclusive agencies are unable to compare other company’s rates so they have no alternatives for high prices. Exclusive agents are usually well trained on their company’s products and that enables them to sell even at higher rates.

Below is a list of exclusive insurance agents in Atlanta willing to provide price quote information.

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Picking the best auto insurance agent should depend on more than just the price. Agents should be asked these questions:

• Is coverage determined by price?
• Does the company have a local claim office in Atlanta?
• Will the agent or a CSR service your policy?
• Can you choose the body shop in case repairs are needed?
• Do they offer claims assistance after hours?

If you feel you receive answers to your satisfaction for all questions you ask and an affordable coverage quote, you’ve probably found an insurance agent that can be trusted to service your policy. Just understand that once you purchase a policy you can cancel your policy for any reason so don’t assume that you’re stuck with the car insurance policy for the entire policy term.

Be persistent to save money

When searching for cheaper Atlanta car insurance quotes, it’s not a good idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice physical damage coverage and found out when filing a claim that it was a big error on their part. The aim is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

Throughout this article, we presented a lot of information how to save on Chrysler Sebring insurance in Atlanta. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may even discover the lowest auto insurance rates come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.

Additional car insurance information is available on the following sites:

• Collision Coverage (Liberty Mutual)
• Who Has Cheap Atlanta Auto Insurance for Ride Shares? (FAQ)
• What Auto Insurance is Cheapest for Immigrants in Atlanta? (FAQ)
• Who Has Affordable Atlanta Car Insurance Quotes for Drivers with a DUI? (FAQ)
• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• Uninsured Motorist Statistics (Insurance Information Institute)
• How to Avoid Common Accidents (State Farm)