Searching for the lowest cost Atlanta Subaru Tribeca insurance quotes can appear to be impossible for people who are new to shopping for insurance online. With more and more companies in the marketplace, how can people have the ability to compare each option to find better rates?
Astonishing but true, most car insurance customers kept buying from the same company for a minimum of four years, and virtually 40% of consumers have never compared rates from other carriers. Many consumers in Georgia could cut their rates by nearly 60% a year by just shopping around, but they don’t believe the amount of savings they would get if they swap their current policy for a cheaper one.
Most of the larger companies allow you to get coverage price quotes from their websites. Getting online rates for Subaru Tribeca insurance in Atlanta is possible for anyone as you simply enter your personal and coverage information as requested by the quote form. Once entered, their system automatically orders reports for credit and driving violations and gives you a price quote.
Getting online rate quotes for Subaru Tribeca insurance in Atlanta helps simplify price comparisons, and it’s also necessary to have as many quotes as possible if you want to get cheaper prices.
To save time and find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you complete the form with the coverage information identical to your current policy. Doing this assures you will have a price comparison for exact coverage.
The providers in the list below can provide free rate quotes in Georgia. If the list has multiple companies, it’s a good idea that you visit as many as you can to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribeca 3.6R Limited | $370 | $706 | $402 | $24 | $120 | $1,622 | $135 |
| Tribeca 3.6R Premium | $254 | $448 | $406 | $24 | $122 | $1,254 | $105 |
| Tribeca 3.6R Touring | $382 | $604 | $394 | $24 | $118 | $1,522 | $127 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in your specific Atlanta location which can influence coverage rates substantially.
Comparison of policy deductibles
The example below illustrates how your deductible choice and can increase or decrease Subaru Tribeca insurance costs for different ages of insureds. The information is based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
It may be expensive, but it’s not optional
Despite the high cost, auto insurance is required for several reasons.
- Most states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability 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 Tribeca has a loan, more than likely the lender will require that you buy full coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the bank will be required to insure your Subaru at a much higher rate and make you pay the higher premium.
- Auto insurance preserves both your vehicle and your personal assets. It will also reimburse you for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car more than offset the price you pay, especially with large liability claims. According to a recent study, the average American driver is overpaying more than $850 per year so you should quote rates once a year at a minimum to be sure current rates are still competitive.
Verify you’re receiving every discount
Not too many consumers would say auto insurance is affordable, but you can get discounts that you may not even know about. Larger premium reductions will be automatically applied when you complete an application, but some discounts are required to be asked for before being credited.
- Homeowners Savings – Owning a house in Atlanta can save you money because owning a home requires personal responsibility.
- Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.
- Good Student – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
- Driving Data Discount – Drivers that enable their insurance company to scrutinize their driving habits by installing a telematics device such as State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
- Military Discounts – Being deployed with a military unit could trigger a small discount.
- Early Switch Discount – Select larger companies give a discount for switching companies prior to your current Tribeca insurance policy expiring. This discount can save up to 10%.
- Discount for Life Insurance – Select auto insurance companies reward you with a break if you buy some life insurance too.
- Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Driver Safety – Taking part in a safe driver class could save 5% or more depending on where you live.
Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts should help lower your policy cost.
Car insurance companies that may offer these benefits include:
It’s a good idea to ask all the companies how many discounts you can get. Some credits may not be offered in Atlanta. If you would like to choose from a list of insurers that offer discounts in Atlanta, click this link.
When do I need an agent’s advice?
When buying your policy, there isn’t really a one-size-fits-all type of policy. Your needs are unique to you.
For instance, these questions may help you determine if your insurance needs might need professional guidance.
- When can I cancel my policy?
- How do I file an SR-22 for a DUI in Georgia?
- Should I buy more coverage than the required Georgia minimum liability coverage?
- What states are considered no-fault?
- When would I need additional glass coverage?
- What discounts do I qualify for?
- Is motorclub coverage worth it?
- Is my custom paint covered by insurance?
If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.
Local insurance agents
Certain consumers would rather sit down with an agent and we recommend doing that One of the best bonuses of comparing insurance prices online is the fact that drivers can get lower premium rates and also buy local.
To make it easy to find an agent, after completing this short form, your insurance data is transmitted to agents in your area that provide free Atlanta auto insurance quotes for your insurance coverage. There is no need to contact an agency since price quotes are sent to your email. You can find the lowest rates without having to waste a lot of time. If you wish to get a comparison quote for a specific company, just navigate to their website and complete a quote there.
Deciding on an insurance company should depend on more than just the price. The answers to these questions are important, too.
- Are they able to influence company decisions when a claim is filed?
- Does the company use OEM repair parts?
- What insurance companies do they recommend if they are an independent agent?
- What insurance company do they write the most business with?
- If you raise deductibles, how much can you save?
Compare rates from both independent and exclusive car insurance agents
If you are searching for a good Atlanta insurance agent, it helps to know the two types of agencies from which to choose. Atlanta agents are categorized either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
Exclusive agents normally can only provide a single company’s rates such as State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to shop your coverage around so they really need to provide good service. These agents are usually well trained on sales techniques and that can be a competitive advantage. A lot of people choose to use a exclusive agent mostly because of the prominence of the brand and solid financial strength.
Listed below are exclusive insurance agents in Atlanta who can help you get comparison quotes.
- Mark Pritchard – State Farm Insurance Agent
3280 Howell Mill Rd NW #107 – Atlanta, GA 30327 – (404) 856-4950 – View Map - Dorcelin Bazil – State Farm Insurance Agent
2859 N Druid Hills Rd a – Atlanta, GA 30329 – (404) 634-2447 – View Map - State Farm: Dave Simpson Jr
2240 Fairburn Rd SW – Atlanta, GA 30331 – (404) 344-9777 – View Map
Independent Agencies or Brokers
Agents that choose to be independent are not locked into one company so they can insure your vehicles amongst many companies and find the cheapest car insurance rates. If they find a lower price, an independent agent can move your coverage and you stay with the same agent.
When comparison shopping, we recommend you compare quotes from a few independent agents to maximize your price options. Most have the option of insuring with smaller regional carriers which could offer lower prices.
The following are independent agents in Atlanta that can give you rate quotes.
- Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map - White and White Insurance
2882 E Point St – Atlanta, GA 30344 – (404) 766-9390 – View Map - Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map
Once you have received good feedback to these questions in addition to an acceptable price estimate, you may have found an insurance agent that is a good match to properly service your car insurance policy.
Parts of your insurance policy
Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from a tornado or hurricane, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many Georgia drivers only purchase the least amount of liability that is required (which is 25/50/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Collision coverage – Collision coverage pays for damage to your Tribeca resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as scraping a guard rail, hitting a parking meter, driving through your garage door, rolling your car and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Tribeca to save money on collision insurance.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like dental work, nursing services, surgery, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Liability car insurance – Liability insurance will cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims like attorney fees, medical services, repair bills for other people’s vehicles, medical expenses and funeral expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. Georgia state minimum liability requirements are 25/50/25 but drivers should carry higher limits.
Cheaper insurance is a realistic goal
People switch companies for a number of reasons such as denial of a claim, unfair underwriting practices, extreme rates for teen drivers and delays in paying claims. It doesn’t matter why you want to switch switching companies is less work than it seems.
Affordable Subaru Tribeca insurance in Atlanta is attainable from both online companies in addition to many Atlanta insurance agents, so you need to quote Atlanta auto insurance with both to have the best rate selection. Some insurance companies may not have online rate quotes and these small insurance companies prefer to sell through independent agents.
As you restructure your insurance plan, do not reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
Much more information about insurance in Georgia is available below:
- Teen Driving Statistics (iihs.org)
- Who Has Affordable Auto Insurance for Teenage Females in Atlanta? (FAQ)
- Who Has Cheap Atlanta Auto Insurance Quotes for 18 Year Olds? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Nurses in Atlanta? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Male in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance Rates for Business Use in Atlanta? (FAQ)
- Who Has Affordable Atlanta Car Insurance Quotes for Drivers with a DUI? (FAQ)
- What is the Best Auto Insurance in Atlanta, GA? (FAQ)
- What is a Telematics Device? (Allstate)
- What is Full Coverage? (Allstate)
- What is Covered by GAP Insurance? (Allstate)