Do you want an efficient way to compare more affordable Saturn Astra insurance in Atlanta? Finding better insurance prices for a new or used Saturn Astra in Georgia can normally be a lot of work, but you can use these tips to make it easier.
There is a better way to buy insurance and we’ll show you the best way to get price quotes for a Saturn and locate the lowest possible price from Atlanta insurance agents and online providers.
Astonishng but true according to a recent study, a large majority of consumers have bought insurance from the same company for well over three years, and almost 40% of drivers have never even shopped around for affordable coverage. Consumers in Georgia could save themselves as much as $1,000 a year just by comparing rates, but they don’t know the actual amount they would save if they switched.
Quoting the most affordable coverage in Atlanta is not as hard as you think. If you already have coverage or are just looking to switch companies, use these tips to buy cheaper insurance while maintaining coverages. Consumers only have to learn the most efficient way to compare price quotes from many different companies.
Free Atlanta Saturn Astra insurance quotes
Most companies provide coverage price quotes direct online. Obtaining pricing for Saturn Astra insurance in Atlanta is pretty easy as you just type in your required coverages as requested by the quote form. Behind the scenes, their quoting system orders your driving record and credit report and generates a price based on many factors.
This makes it a lot easier to compare rates and it’s also necessary to have as many quotes as possible in order to get a lower rate.
To quickly find out if lower rates are available, compare rates now from the companies shown below. If you have your current policy handy, we recommend that you enter deductibles and limits just like they are on your policy. Doing this assures you will have a price comparison for similar coverage.
The following companies provide price quotes in Georgia. If the list has multiple companies, we recommend you visit two to three different companies in order to find the lowest rates.
Get cheap Saturn Astra insurance in Atlanta with discounts
Insurance is not an enjoyable expense, but there may be some discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but once in a while a discount must be asked for before being credited.
- Senior Citizen Discount – Seniors could receive lower premium rates.
- Sign Online – A handful of companies give back up to $50 get Atlanta auto insurance on their website.
- Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a Atlanta auto insurance quote.
- First Accident Forgiveness – Not really a discount, but certain companies will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Switch and Save Discount – Some larger companies provide a discount for switching to them before your current Astra insurance policy expires. You could save around 10% when you buy Atlanta auto insurance online.
- Anti-lock Brake Discount – Vehicles that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
- Save with More Vehicles Insured – Buying insurance for multiple cars or trucks with the same company can reduce rates for all insured vehicles.
- Discount for Home Ownership – Just owning your own home can earn you a little savings since owning and maintaining a home demonstrates responsibility.
- Save with a New Car – Insuring a new Astra can cost up to 25% less since new vehicles are generally safer.
- Accident-Free Discounts – Claim-free drivers can save substantially as opposed to policyholders that have many claims.
A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, that’s just not realistic.
If you would like to view insurers that provide some of the discounts listed above in Georgia, click this link.
Local neighborhood agents and insurance
A small number of people still prefer to buy from a licensed agent and doing so can bring peace of mind Agents can point out coverage gaps and help file insurance claims. An additional benefit of price shopping on the web is the fact that drivers can get cheaper premium rates and still choose a local agent. Putting coverage with local agencies is important especially in Atlanta.
By using this form (opens in new window), your information is transmitted to agents in your area that can provide free Atlanta auto insurance quotes for your business. There is no reason to contact any agents since price quotes are sent directly to your email. If you have a need to get a comparison quote from a specific company, feel free to go to their quote page and fill out their quote form.
Compare rates from both independent and exclusive auto insurance agents
When researching a reliable insurance agency, it helps to know the two different types of agents and how they are distinctly different. Agencies in Atlanta are categorized either independent or exclusive. Both write policy coverage, but it’s important to know the differences since it may influence the selection process.
Independent Agents
Agents that elect to be independent are not employed by one company and that gives them the ability to insure through many different insurance companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally which requires no work on your part. When comparing rates, it’s a good idea to get some free quotes from at least one independent agent to maximize your price options. A lot of them also have access to additional companies that you may not be familiar with which can be an advantage.
The following are independent insurance agents in Atlanta that may be able to give you free insurance quotes.
- Gibb Insurance Agency
991 Cascade Rd SW – Atlanta, GA 30311 – (404) 758-3511 – View Map - Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 – View Map - Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map
Exclusive Insurance Agencies
These agents work for only one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. Exclusive agents are trained well on the products they sell which can be an advantage. Some consumers prefer to buy insurance from these agents partially due to loyalty to the company and the convenience of having a single billing for all their coverages.
Below are Atlanta exclusive insurance agencies that are able to give price quotes.
- Rob Hill – State Farm Insurance Agent
2800 Shallowford Rd NE, Ste A-B – Atlanta, GA 30341 – (678) 791-7132 – View Map - Dale Massey – State Farm Insurance Agent
4605 Roswell Rd NE – Atlanta, GA 30342 – (404) 257-8880 – View Map - Willard Murphy – State Farm Insurance Agent
3867 Roswell Rd NE #101 – Atlanta, GA 30342 – (404) 816-8885 – View Map
Finding the right insurance agent is decision based upon more than just a cheap quote. A good agent in Atlanta will have answers to these questions.
- Is there a 24/7 contact number?
- Do they offer accident forgiveness?
- Are they giving you every discount you deserve?
- Do they carry Errors and Omissions coverage?
- Are all drivers listed on the coverage quote?
If you get satisfactory answers to all your questions as well as a affordable price, chances are good that you have found an insurance agency that meets the criteria to insure your vehicles. Just remember it’s your policy and you can cancel your coverage whenever you wish so don’t feel that you’re stuck with a policy for the entire policy term.
Car insurance coverage options for a Saturn Astra
Knowing the specifics of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for rehabilitation expenses, surgery, nursing services, dental work and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like hitting a bird, damage from flooding, a broken windshield, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Liability – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for things such as court costs, medical services, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible. Georgia state minimum liability requirements are 25/50/25 but drivers should carry more liability than the minimum.
Collision coverage – This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as colliding with a tree, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible on your Astra to bring the cost down.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Saturn Astra.
Since many Georgia drivers only carry the minimum required liability limits (25/50/25), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.
The best rates come from being thorough
Drivers switch companies for a number of reasons such as delays in paying claims, denial of a claim, poor customer service and even delays in responding to claim requests. Whatever your reason, finding the right auto insurance provider is easier than you think.
Some auto insurance companies do not offer the ability to get quotes online and most of the time these regional carriers prefer to sell through local independent agencies. Budget-conscious Saturn Astra insurance is possible online and also from your neighborhood Atlanta agents, so you should compare both to have the best chance of lowering rates.
Throughout this article, we presented many ways to compare Saturn Astra insurance premium rates in Atlanta. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.
Helpful information
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has Cheap Car Insurance for a 20 Year Old Female in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Ford Fusion in Atlanta? (FAQ)
- How Much is Atlanta Auto Insurance for Teenage Males? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)