Want to learn how to buy more affordable Toyota Avalon insurance in Atlanta? Being forced to pay for high-priced insurance premiums can sap your accounts and force you to make sacrifices.
Unfortunately, the vast majority of drivers have purchased from the same company for over three years, and nearly 40% of drivers have never compared rates with other companies. With the average premium in Georgia being $1,720, drivers could save an average of as much as 60% each year just by shopping around, but they mistakenly think it’s difficult to compare other rate quotes.
Numerous car insurance companies battle for your business, and it can be difficult to compare rates and get the best coverage at the lowest rate possible on Toyota Avalon insurance in Atlanta.
You should make it a habit to quote other rates every six months since insurance rates change regularly. Just because you found the best rate on Toyota Avalon insurance in Atlanta a couple years back a different company probably has better prices today. Ignore everything you know about insurance because I’m going to teach you one of the best ways to find better rates and still maintain coverage.
The most recommended method to compare insurance rates in your area is to realize almost all companies provide online access to provide you with free rate quotes. All consumers are required to do is give them some information like whether you are married, if you have a valid license, if you went to college, and if the car is leased. Your information is submitted instantly to many of the top insurers and you will receive price estimates immediately.
To compare rates for your Toyota Avalon now, click here then complete the form.
The companies shown below offer free rate quotes in Georgia. If multiple companies are listed, it’s a good idea that you visit as many as you can to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $278 | $414 | $334 | $20 | $100 | $1,146 | $96 |
| Avalon XLS | $240 | $476 | $352 | $20 | $106 | $1,194 | $100 |
| Avalon Limited | $328 | $592 | $352 | $20 | $106 | $1,398 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in your specific Atlanta location which can change coverage prices significantly.
Age, gender, and Toyota Avalon insurance
The chart below illustrates the difference between Toyota Avalon insurance costs for male and female drivers. Data assumes no violations or accidents, full coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Earn discounts on Atlanta car insurance
Car insurance companies do not list all discounts in a way that’s easy to find, so the next list breaks down both the well known as well as some of the hidden credits available to lower your premiums when you buy Atlanta car insurance online.
- Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
- Claim Free – Drivers with accident-free driving histories are rewarded with significantly better rates on Atlanta car insurance quote in comparison with drivers who are more careless.
- Federal Employees – Having worked for a branch of the government could cut as much as 10% off depending on your car insurance provider.
- Paperwork-free – Some of the larger companies will discount your bill up to fifty bucks simply for signing over the internet.
- Defensive Driver Discount – Passing a defensive driver course is a good idea and can lower rates depending on where you live.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more on Avalon insurance in Atlanta.
- Student Discount for Driver Training – Require your teen driver to enroll and complete driver’s education if offered at their school.
- Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
Drivers should understand that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.
If you would like to view providers that offer multiple discounts in Atlanta, follow this link.
You Can Change Your Insurance Premiums
Multiple criteria are taken into consideration when you quote your car insurance policy. Some are obvious such as traffic violations, but other criteria are not quite as obvious like your continuous coverage or your vehicle rating. It’s important that you understand some of the things that help calculate the level of your policy premiums. If you have some idea of what determines premiums, this enables informed choices that will entitle you to big savings.
Shown below are a few of the things used by insurance companies to determine your prices.
Marriage is a good thing – Having a significant other can actually save you money on insurance. Having a spouse usually means you are more stable financially and insurance companies like that married drivers tend to file fewer claims.
Policy add-ons may not be needed – Insurance policies have a lot of extra coverages that can add up if you don’t pay attention. Insurance for things like rental car coverage, high-cost glass coverage, and motor club memberships may be costing you every month. They may seem good when discussing your needs, but if you’ve never needed them in the past think about removing them and cutting costs.
Pay more by driving carelessly – Having a single chargeable violation can bump up the cost by as much as twenty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have received careless violations such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
Alarm systems lower rates – Driving a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
Your address can affect prices – Being located in a small town is a positive aspect when shopping for auto insurance. People in densely populated areas tend to have traffic congestion and a longer drive to work. Lower population translates into fewer accident claims in addition to lower liability claims
Male costs may be higher – Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Males and females have accidents at about the same rate, but the males tend to have more serious accidents. Men also have more aggressive citations like driving under the influence (DUI).
High insurance claims frequency drives up premiums – If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance companies in Georgia provide lower rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for the large, substantial claims.
Infrequent drivers can save – The higher the mileage driven in a year the higher the price you pay to insure it. Most insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your declarations sheet is showing how each vehicle is driven. Improper usage on your Avalon may be wasting your money.
Toyota Avalon insurance claim data – Insurance companies use past insurance losses when they file their rates in each state. Models that tend to have higher prevalence or dollar amount of losses will cost more for specific coverages. The information below illustrates the insurance loss data for Toyota Avalon vehicles.
For each coverage type, the loss probability for all vehicles as a whole is equal to 100. Values that are below 100 represent a good loss history, while numbers above 100 point to more losses or an increased chance of a larger loss.
Car Insurance Loss Data for Toyota Avalon Models
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Avalon | 113 | 72 | 112 | 106 | 98 | 74 |
| Toyota Avalon Hybrid | 120 | 72 | 132 | 107 | 85 | 80 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance agencies can find coverage gaps
Some people just want to sit down and talk to an agent and that is a personal choice. An additional benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes but also keep your business local.
To make it easy to find an agent, after completing this simple form, your information is emailed to participating agents in Atlanta that give free quotes for your coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies because quoted prices will be sent immediately to you. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to get a price quote from a particular provider, don’t hesitate to go to their quote page and fill out the quote form the provide.
Deciding on a company shouldn’t rely on just a cheap price. Any good agent in Atlanta should know the answers to these questions.
- How will an accident affect your rates?
- What kind of financial rating does the company have?
- Are they able to influence company decisions when a claim is filed?
- What company do they have the most business with?
- Can they provide you with a list of referrals?
- Will high miles depreciate repair valuations?
- Is coverage determined by price?
Two types of car insurance agents
If you would like to find a local Atlanta insurance agent, you must know there are a couple types of agencies that you can select. Insurance agents in Atlanta are categorized either independent agents or exclusive agents depending on their employer.
Exclusive Agents
Agents that choose to be exclusive generally can only insure with one company such as AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. These agents receive extensive training on their company’s products and that can be a competitive advantage.
Shown below is a list of exclusive agents in Atlanta willing to provide price quotes.
Farmers Insurance – Anissa Few Davenport
2030 Bolton Rd NW #200 – Atlanta, GA 30318 – (678) 705-5898 – View Map
Phyllis Mitchell – State Farm Insurance Agent
1442 Dresden Dr NE #253 – Atlanta, GA 30319 – (404) 812-9951 – View Map
Geoff Carlson – State Farm Insurance Agent
1465 Chattahoochee Ave NW #550 – Atlanta, GA 30318 – (678) 927-9977 – View Map
Independent Agents
Independent insurance agents are appointed with more than one company and that allows them to write policies through many different insurance companies and find the cheapest rate. If prices rise, an independent agent can move your coverage which requires no work on your part.
When searching for an agent, you absolutely need to include at a minimum one independent agency to ensure the widest selection of prices.
The following is a short list of independent agents in Atlanta that can give you price quotes.
Five Star Insurance Agency
191 Peachtree St NE Suite 3300 – Atlanta, GA 30303 – (678) 526-7979 – View Map
Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 – View Map
InsuranceHub | Nationwide Insurance | Atlanta Office
1830 Water Pl #105 – Atlanta, GA 30339 – (404) 892-2864 – View Map
After receiving acceptable answers to any questions you may have in addition to an acceptable price estimate, you may have just found a car insurance agent that meets your needs to insure your vehicles. Keep in mind it’s your coverage and you can cancel coverage at any time so don’t feel you’re contractually obligated to a specific agent for the full policy term.
Which is the best car insurance?
Keep in mind that when it comes to choosing the best car insurance coverage, there really isn’t a one-size-fits-all type of policy. Your situation is unique.
These are some specific questions may help you determine whether your personal situation may require specific advice.
- Do I have any recourse if my insurance company denies a claim?
- What is covered by UM/UIM coverage?
- Am I covered if I crash into my own garage door?
- How much liability do I need to cover my assets?
- How high should my medical payments coverage be?
- Is my custom paint covered by insurance?
- What can I do if my company denied a claim?
- When should my teen driver be added to my policy?
- Do I need added coverage for expensive stereo equipment?
- Is my vehicle covered by my employer’s policy when using it for work?
If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.
Don’t give up on cheaper rates
People switch companies for a variety of reasons including delays in paying claims, lack of trust in their agent, questionable increases in premium or even denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.
We just covered a lot of information how to reduce Toyota Avalon insurance premium rates online in Atlanta. It’s most important to understand that the more you quote Atlanta car insurance, the better your comparison will be. Drivers may even discover the lowest priced auto insurance comes from some of the lesser-known companies.
When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.
Additional learning opportunities
- Event Data Recorders FAQ (iihs.org)
- How Much are Atlanta Car Insurance Rates for Postal Workers? (FAQ)
- How Much is Atlanta Auto Insurance for Drivers Requiring a SR22? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Used Cars in Atlanta? (FAQ)
- What Car Insurance is Cheapest for Drivers Over Age 70 in Atlanta? (FAQ)
- How Much are Atlanta Auto Insurance Rates for a Nissan Sentra? (FAQ)
- How Much are Atlanta Car Insurance Rates for Low Income Drivers? (FAQ)
- What is the Best Auto Insurance in Atlanta, GA? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- A Tree Fell on Your Car: Now What? (Allstate)
- Safety Belts FAQ (iihs.org)