Finding low cost Cadillac Seville insurance in Atlanta can be slightly frustrating for beginners to shopping for insurance online. Because there are so many insurance companies available, it can easily be a challenge to locate the lowest coverage rates.
It’s hard to fathom, but the majority of drivers have bought insurance from the same company for at least the last four years, and roughly 40% of drivers have never even compared quotes to find affordable rates. With the average premium in Georgia being $1,722, drivers could cut their rates by approximately 60% a year by just shopping around, but they won’t spend time to find affordable rates by getting comparison quotes.
Smart consumers take time to quote other rates once or twice a year due to the fact that insurance prices tend to go up over time. Just because you had the best deal on Cadillac Seville insurance in Atlanta six months ago you can probably find a better premium rate now. Forget all the misinformation about insurance because it’s time to teach you the best way to find lower rates on insurance.
If you are insured now, you will definitely be able to save money using the tips covered below. This information will familiarize you with how to get online quotes and some tricks to saving. But Georgia drivers can benefit from knowing the methods companies use to calculate your car insurance rates and use this information to your advantage.
Cheap companies for Cadillac Seville insurance
The auto insurance companies shown below are ready to provide price comparisons in Georgia. If multiple companies are shown, we suggest you get price quotes from several of them to get a more complete price comparison.
Take these eight policy discounts and save on Cadillac Seville insurance in Atlanta
Some insurance providers don’t list every discount available in an easy-to-find place, so here is a list a few of the more well known and the harder-to-find savings tricks you should be using when you buy Atlanta car insurance online.
- Save with a New Car – Putting insurance coverage on a new Seville can get you a discount because new vehicles are generally safer.
- Smart Student Discounts – Performing well in school can save 20 to 25%. You can use this discount normally up to age 25.
- No Claims – Drivers who don’t have accidents have much lower rates compared to bad drivers.
- ABS Brakes – Cars and trucks that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off PIP or medical payments premium.
- Cautious Driver Discount – Safe drivers can save as much as half off their rates than drivers with accidents.
- Home Ownership Discount – Just being a homeowner can get you a discount because it demonstrates responsibility.
- Service Members Pay Less – Having a family member in the military could qualify you for better premium rates.
Policy discounts save money, but most discount credits are not given to the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you can get free auto insurance, it’s just not the way it works.
If you would like to choose from a list of insurers offering insurance discounts in Georgia, click this link.
Local neighborhood Atlanta car insurance agents
Certain consumers prefer to buy from a licensed agent and that is recommended in a lot of cases A good thing about price shopping on the web is that drivers can save money and get the best rates but also keep your business local. Putting coverage with local insurance agencies is definitely important in Atlanta.
To make it easy to find an agent, after completing this short form, the coverage information is emailed to local insurance agents in Atlanta who will give you bids for your insurance coverage. It makes it easy because there is no need to do any legwork because quoted prices will be sent directly to your email. Get lower rates without a big time investment. If for some reason you want to get a comparison quote from one company in particular, just go to their quote page and give them your coverage information.
When looking for a reputable agency, it can be helpful to understand the types of agencies and how they are slightly different. Atlanta agents can be categorized as either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents (or Brokers)
Agents that elect to be independent do not write with just one company so they can insure your vehicles with an assortment of companies enabling the ability to shop coverage around. If your premiums go up, an independent agent can move your coverage without you having to go to a different agency. When comparing insurance rates, we recommend you get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices. Most can insure with small regional insurance companies that may have much lower rates than larger companies.
Below is a partial list of independent agents in Atlanta who may provide free price quotes.
- White and White Insurance
2882 E Point St – Atlanta, GA 30344 – (404) 766-9390 – View Map - Five Star Insurance Agency
191 Peachtree St NE Suite 3300 – Atlanta, GA 30303 – (678) 526-7979 – View Map - PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map
Exclusive Insurance Agents
These agents generally can only insure with one company and examples are American Family, State Farm, and Allstate. Exclusive agents are unable to provide other company’s prices so you need to shop around if the rates are high. They are very knowledgeable in insurance sales and that can be a competitive advantage. Some consumers prefer to use the same agent primarily because of the brand rather than having the cheapest rates.
Below is a list of exclusive insurance agents in Atlanta that can give you price quotes.
- Aaron Frazier – State Farm Insurance Agent
NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847 – View Map - Dale Massey – State Farm Insurance Agent
4605 Roswell Rd NE – Atlanta, GA 30342 – (404) 257-8880 – View Map - Lindsay Mullen – State Farm Insurance Agent
2250 N Druid Hills Rd Ste 145 – Atlanta, GA 30329 – (404) 728-1000 – View Map
Finding the right insurance agency is decision based upon more than just a cheap price quote. The answers to these questions are important, too.
- Are there any discounts that you might be missing?
- What will you get paid if your car is a total loss? How is that amount determined?
- Which insurance company do they prefer to write with?
- Does the agent have a valid license to sell insurance in Georgia?
- What insurance companies do they work with in Atlanta?
Insurance agents can help
Keep in mind that when it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone’s needs are different and your insurance should be unique as well.
Here are some questions about coverages that may help highlight if you could use an agent’s help.
- Is my nanny covered when driving my vehicle?
- Am I covered when driving a rental car?
- Should I file a claim if it’s only slightly more than my deductible?
- Does coverage extend to a rental car in a foreign country?
- Is there a penalty for late payment?
- What is the difference between comprehensive and collision coverage?
- Is my ex-spouse still covered by my policy?
- If I use my vehicle for business use is it covered?
If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
Information about specific coverages
Understanding the coverages of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.
Coverage for uninsured or underinsured drivers
This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Cadillac Seville.
Due to the fact that many Georgia drivers only carry the minimum required liability limits (25/50/25 in Georgia), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are set the same as your liability limits.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like X-ray expenses, surgery, ambulance fees, hospital visits and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Liability
This coverage protects you from injuries or damage you cause to people or other property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against claims such as funeral expenses, court costs and attorney fees. How much coverage you buy is your choice, but buy higher limits if possible. Georgia requires minimum liability limits of 25/50/25 but it’s recommended drivers buy higher limits.
Comprehensive insurance
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like hail damage, theft and damage from getting keyed. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision coverage protection
This coverage pays for damage to your Seville from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as sideswiping another vehicle, driving through your garage door, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible on your Seville to get cheaper collision coverage.
Persistent drivers can save
Lower-priced Cadillac Seville insurance in Atlanta can be purchased on the web and from local agencies, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who may not offer online price quotes and most of the time these regional carriers prefer to sell through independent insurance agents.
We just covered many ideas to find cheap Cadillac Seville insurance in Atlanta. The key concept to understand is the more you quote Atlanta car insurance, the better likelihood of getting cheaper Atlanta car insurance quotes. You may even discover the most savings is with the smaller companies. Regional companies often have lower prices on specific markets compared to the large companies like Progressive or GEICO.
Even more information can be read by following these links:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for Teenage Females in Atlanta? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers Over Age 60 in Atlanta? (FAQ)
- Who Has Cheap Atlanta Car Insurance Rates for a School Permit? (FAQ)
- Who Has Affordable Auto Insurance for a Nissan Rogue in Atlanta? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Medical Payments Coverage (Liberty Mutual)
- Five Mistakes to Avoid (Insurance Information Institute)