Want to know an easy way to compare cheaper insurance rates in Johns Creek, GA? Did budget coverage turn out to be overpriced insurance? You’re in good company because there are many Johns Creek consumers feeling the pinch from expensive insurance.
Shockingly, the vast majority of consumers kept buying from the same company for at least four years, and just under half have never shopped around. Drivers in the U.S. could pocket $850 a year just by comparing rates, but they just don’t understand how much money they would save if they swap their current policy for a cheaper one.
There is such a variety of car insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more difficult to locate the cheapest rates.
Quoting and comparing rates for cheaper car insurance policy in Johns Creek can be fairly easy. Just about every driver who has to buy car insurance should get better rates. Although Georgia drivers do need to know the way companies sell online and use this information to your advantage.
Slash rates with these price cutting discounts
Some insurers don’t necessarily list all possible discounts very well, so the next list breaks down both the well known in addition to some of the lesser obvious discounts that you may qualify for.
- Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more off the medical payments premium.
- Renewal Discounts – Select larger companies give a discount for buying a new policy before your current policy expires. It’s a savings of about 10%.
- Save with More Vehicles Insured – Insuring multiple cars or trucks on a single policy can get a discount for every vehicle.
- Membership in Organizations – Affiliation with a professional or civic organization could trigger savings on your policy.
- Claim-Free Discount – Johns Creek drivers who stay claim-free are rewarded with significantly better rates on Johns Creek car insurance quote in comparison to policyholders that have many claims.
- Student Discount for Driver Training – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
- Johns Creek Homeowners Discount – Just being a homeowner may earn you a small savings since owning and maintaining a home is proof of financial responsibility.
- Life Insurance – Some insurance companies give lower insurance rates if you buy life insurance.
- Active Military Service – Having a deployed family member could qualify you for better insurance rates.
It’s important to note that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
For a list of companies that offer discounts in Georgia, follow this link.
When comparison shopping, making a lot of price comparisons helps locate the best price.
The providers in the list below can provide comparison quotes in Johns Creek, GA. If more than one company is shown, it’s highly recommended you get rates from several of them to get a more complete price comparison.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium | ||||
|---|---|---|---|---|---|---|---|
| Chevrolet Equinox LTZ AWD | $1,278 | $639 | $107 | ||||
| Chevrolet Malibu LTZ | $1,480 | $740 | $123 | ||||
| Chevrolet Silverado Crew Cab Hybrid 2WD | $1,956 | $978 | $163 | ||||
| Dodge Ram Quad Cab Sport 4WD | $1,426 | $713 | $119 | ||||
| Ford Escape XLT 4WD | $1,074 | $537 | $90 | ||||
| Ford F-150 XLT Crew Cab 2WD | $1,278 | $639 | $107 | ||||
| Ford Focus SES 2-Dr Coupe | $1,332 | $666 | $111 | ||||
| Honda Accord LX-S 2-Dr Coupe | $1,170 | $585 | $98 | ||||
| Honda CR-V EX 2WD | $926 | $463 | $77 | ||||
| Honda Civic DX 4-Dr Sedan | $1,514 | $757 | $126 | ||||
| Honda Odyssey EX-L | $1,384 | $692 | $115 | ||||
| Hyundai Elantra SE Touring Station Wagon | $934 | $467 | $78 | ||||
| Kia Optima EX | $1,570 | $785 | $131 | ||||
| Nissan Altima 2.5 S 2-Dr Coupe | $1,724 | $862 | $144 | ||||
| Toyota Camry XLE | $1,262 | $631 | $105 | ||||
| Toyota Corolla LE | $1,270 | $635 | $106 | ||||
| Toyota RAV4 4WD | $1,368 | $684 | $114 | ||||
| Volkswagen Jetta SE 4-Dr Sedan | $1,676 | $838 | $140 | ||||
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in zip code location which can affect coverage rates considerably.
Premiums by gender and age
The chart below visualizes the comparison of auto insurance costs for male and female drivers in Johns Creek. The premium estimates are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no other discounts are factored in on a Ford Fusion SE.
Ford Fusion rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
When should I have guidance from a local insurance agent?
A small number of people just want to get professional advice from a licensed agent and that is recommended in a lot of cases One of the great benefits of getting free rate quotes online is that drivers can save money and get the lowest rates and still buy from a local agent. And supporting neighborhood agents is important especially in Johns Creek.
After completing this short form, your coverage information is instantly submitted to agents in your area that can provide free Johns Creek car insurance quotes for your auto insurance coverage. It’s much easier because you don’t need to contact an agency since price quotes are sent to you instantly. Get lower rates without the usual hassles of price shopping. If for some reason you want to compare prices for a specific company, you would need to search and find their rate quote page and fill out the quote form the provide.
Johns Creek car insurance agents are either independent or exclusive
If you are searching for a reliable agent, there are a couple of different types of agencies that differ in how they can insure your vehicles. Auto insurance agents can be described as either independent (non-exclusive) or exclusive.
Independent Auto Insurance Agencies or Brokers
Independent agents are not limited to a single company so as a result can place your coverage through many companies and find you the best rates. If they find a lower price, they simply move your policy to a different company which makes it simple for you. When comparing rate quotes, you will want to compare prices from a few independent agents so that you can do a thorough price comparison.
The following are Johns Creek independent agencies that can possibly get you price quotes.
Gillman Insurance Problem Solvers
11375 Southbridge Pkwy Suite 100 – Alpharetta, GA 30022 – (678) 297-7977 – View Map
Nationwide Insurance: Sae Wook Oh Agency
6290 Abbotts Bridge Rd Ste 504 – Duluth, GA 30097 – (678) 672-3380 – View Map
Ascension Insurance Inc
5825 Medlock Bridge Pkwy – Johns Creek, GA 30022 – (678) 740-0101 – View Map
Exclusive Auto Insurance Agencies
These type of agents write business for a single company like State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agencies are highly trained on what they offer and that can be a competitive advantage.
Shown below are Johns Creek exclusive agents who can help you get comparison quotes.
Farmers Insurance – Ross Dixon
4640 Valais Ct Ste 103 – Johns Creek, GA 30022 – (404) 432-8737 – View Map
Yara Parada – State Farm Insurance Agent
3005 Old Alabama Rd Ste 30 – Johns Creek, GA 30022 – (678) 206-2888 – View Map
Michael Homans – State Farm Insurance Agent
6000 Medlock Bridge Pkwy e700 – Johns Creek, GA 30022 – (770) 687-2288 – View Map
Finding the right insurance agency shouldn’t rely on just the price. Any agent in Johns Creek should be forthright in answering these questions:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Which companies do they recommend if they are an independent agency?
- Are they in the agency full-time?
- Will you work with the agent or an assistant?
- Will your rates increase after a single accident?
Car insurance claims by make and model
Does your vehicle tend to have claims? The statistics tables below outline the good and bad vehicle makes and models for the overall chance of filing claims for each type of coverage.
| Lowest Overall Losses | Highest Overall Losses |
|---|---|
| Ford F-250 SuperCrew | Nissan Sentra |
| Ford Expedition | Hyundai Accent |
| Chevrolet Silverado 2500 | Chrysler 200 |
| Audi A4 Allroad | Chevrolet Sonic |
| Chevrolet Silverado 3500 | Dodge Charger |
| Land Rover Range Rover Sport | Chevrolet Spark |
Statistics from IIHS.org for 2013-2015 Model Years
| Lowest Overall Losses | Highest Overall Losses |
|---|---|
| Volvo V60 | Audi S7 |
| Smart ForTwo | Maserati Quattroporte |
| Chevy Silverado 2500 | Bentley Continental GTC |
| GMC Sierra 2500 | BMW M6 |
| Infiniti QX50 | Bentley Continental GT |
| Nissan Xterra | Porsche Panamera GTS |
Statistics from IIHS.org for 2013-2015 Model Years
| Lowest Overall Losses | Highest Overall Losses |
|---|---|
| Fiat 500 | Mitsubishi Mirage |
| Subaru Forester | Mitsubishi Lancer |
| Mercedes-Benz SL Class | Chrysler 200 |
| Subaru Outback | Chevrolet Impala |
| Acura MDX | Hyndai Accent |
| Chevrolet Corvette | Dodge Charger |
Statistics from IIHS.org for 2013-2015 Model Years
| Lowest Overall Losses | Highest Overall Losses |
|---|---|
| Jeep Wrangler | Ferrari 458 |
| Smart ForTwo | Nissan GT-R |
| Mini Cooper | Bentley Continental Flying Spur |
| Ford Edge | BMW M6 |
| Nissan Xterra | Bently Continental GT |
| Chevrolet Colorado | Maserati Ghibli |
Statistics from IIHS.org for 2013-2015 Model Years
Cheaper car insurance rates are out there
We covered a lot of information how to compare car insurance auto insurance rates in Johns Creek. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers may even find the lowest auto insurance rates come from the least-expected company. These companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate or State Farm.
A few companies may not offer the ability to get a quote online and these regional insurance providers only sell through independent agencies. Budget-conscious car insurance is definitely available on the web and from local agencies, and you need to price shop both to have the best rate selection.
When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your focus should be to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.
Even more information can be found in the articles below:
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has Affordable Car Insurance for Drivers with Accidents in Atlanta? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Male in Atlanta? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)