Want to learn how to buy lower-priced car insurance rates in Atlanta, GA? Atlanta shoppers have lots of choices when shopping for the lowest priced Honda Accord insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to make rate comparisons.
There is a right way and a wrong way to shop for car insurance and we’ll show you the quickest way to get price quotes for a new or used Honda and locate the best price possible.
It’s a great practice to do rate comparisons before your policy renews since rates change regularly. If you had the lowest rate on Honda Accord insurance in Atlanta last year you may be paying too much now. Ignore everything you know about car insurance because we’re going to show you how to use online quotes to save on car insurance.
This information will tell you how to effectively get price quotes and how to save the most money. If you are insured now, you should be able to save money using the techniques covered below. Drivers just need to know the quickest way to compare company rates instantly.
Car insurance providers offering affordable rate quotes in Georgia
The car insurance companies shown below can provide quotes in Atlanta, GA. If more than one company is shown, we suggest you click on several of them in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $168 | $288 | $322 | $18 | $96 | $892 | $74 |
| Accord LX 4-Dr Sedan | $302 | $420 | $438 | $26 | $132 | $1,318 | $110 |
| Accord EX 4-Dr Sedan | $208 | $332 | $342 | $20 | $102 | $1,004 | $84 |
| Accord LX-P 4-Dr Sedan | $264 | $420 | $334 | $20 | $100 | $1,138 | $95 |
| Accord LX-P 4-Dr Sedan | $140 | $260 | $378 | $22 | $114 | $914 | $76 |
| Accord EX-L 4-Dr Sedan | $170 | $296 | $344 | $20 | $104 | $934 | $78 |
| Accord EX 2-Dr Coupe | $238 | $550 | $578 | $34 | $172 | $1,572 | $131 |
| Accord LX-S 2-Dr Coupe | $332 | $828 | $538 | $32 | $162 | $1,892 | $158 |
| Accord EX-L 2-Dr Coupe | $344 | $604 | $444 | $26 | $134 | $1,552 | $129 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle location which can change insurance rates noticeably.
Poor driving habits will raise your car insurance rates
The example below demonstrates how traffic citations and at-fault accidents impact Honda Accord insurance premiums for different categories of driver ages. The costs are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
Higher deductibles save money
One of the most common car insurance questions is how low should you set your deductibles. The premium rates below summarize how much more rates are when you select higher and lower physical damage coverage deductibles. The first table uses a $100 deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $294 | $502 | $334 | $20 | $100 | $1,275 | $106 |
| Accord LX 4-Dr Sedan | $294 | $502 | $334 | $20 | $100 | $1,275 | $106 |
| Accord EX 4-Dr Sedan | $294 | $502 | $334 | $20 | $100 | $1,275 | $106 |
| Accord LX-P 4-Dr Sedan | $294 | $502 | $334 | $20 | $100 | $1,275 | $106 |
| Accord LX-P 4-Dr Sedan | $294 | $502 | $334 | $20 | $100 | $1,275 | $106 |
| Accord EX-L 4-Dr Sedan | $338 | $612 | $334 | $20 | $100 | $1,429 | $119 |
| Accord EX 2-Dr Coupe | $338 | $720 | $444 | $26 | $134 | $1,687 | $141 |
| Accord LX-S 2-Dr Coupe | $338 | $720 | $444 | $26 | $134 | $1,687 | $141 |
| Accord EX-L 2-Dr Coupe | $382 | $720 | $444 | $26 | $134 | $1,731 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $164 | $264 | $334 | $20 | $100 | $882 | $74 |
| Accord LX 4-Dr Sedan | $164 | $264 | $334 | $20 | $100 | $882 | $74 |
| Accord EX 4-Dr Sedan | $164 | $264 | $334 | $20 | $100 | $882 | $74 |
| Accord LX-P 4-Dr Sedan | $164 | $264 | $334 | $20 | $100 | $882 | $74 |
| Accord LX-P 4-Dr Sedan | $164 | $264 | $334 | $20 | $100 | $882 | $74 |
| Accord EX-L 4-Dr Sedan | $188 | $322 | $334 | $20 | $100 | $964 | $80 |
| Accord EX 2-Dr Coupe | $188 | $380 | $444 | $26 | $134 | $1,172 | $98 |
| Accord LX-S 2-Dr Coupe | $188 | $380 | $444 | $26 | $134 | $1,172 | $98 |
| Accord EX-L 2-Dr Coupe | $212 | $380 | $444 | $26 | $134 | $1,196 | $100 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific garaging location which can influence insurance rates greatly.
Based on the figures above, using a $100 deductible would cost the average driver about $36 more each month or $432 annually than requesting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 25 months between claim filings, you would most likely save money if you opt for a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $100 deductibles: | $119 |
| Average monthly premium for $1,000 deductibles (subtract): | – $83 |
| Monthly savings from raising deductible: | $36 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $36 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
Save money with these discounts on Honda Accord insurance in Atlanta
Some insurance providers don’t list all possible discounts very well, so below is a list some of the best known and also the more inconspicuous credits available to bring down your rates.
- Bundle and Save – If you can combine your home and auto policy with one insurance company you may save 10% to 20% off each policy.
- Good Grades Discount – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
- Switch and Save Discount – A few car insurance companies offer discounts for switching to them prior to your current Accord insurance policy expiring. You could save around 10% when you buy Atlanta auto insurance online.
- Atlanta Homeowners Pay Less – Owning a house in Atlanta can save you money since owning and maintaining a home means you have a higher level of financial diligence.
- Theft Prevention System – Cars optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Atlanta auto insurance quote.
- Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
- College Student Discount – Any of your kids who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
- Sign Online – Certain car insurance companies will discount your bill up to fifty bucks for signing up on the internet.
It’s important to note that most discount credits are not given to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So even though it sounds like you could get a free car insurance policy, you won’t be that lucky.
The best car insurance companies and some of the premium reductions they offer include:
- State Farm may have discounts that include multiple autos, student away at school, passive restraint, Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, and good student.
- Farmers Insurance has discounts for teen driver, bundle discounts, switch companies, homeowner, and electronic funds transfer.
- Progressive discounts include multi-policy, homeowner, multi-vehicle, good student, continuous coverage, and online quote discount.
- GEICO policyholders can earn discounts including military active duty, driver training, defensive driver, good student, multi-policy, and five-year accident-free.
- Auto-Owners Insurance has savings for anti-lock brakes, teen driver, paid in full, group or association, air bags, and safe vehicle.
- The Hartford offers discounts including driver training, vehicle fuel type, anti-theft, good student, defensive driver, and bundle.
- Farm Bureau may offer discounts for good student, youthful driver, renewal discount, safe driver, driver training, and multi-vehicle.
- USAA offers premium reductions for multi-policy, family discount, multi-vehicle, defensive driver, and loyalty savings.
When getting free Atlanta auto insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Some discounts listed above may not apply everywhere. If you would like to view providers who offer free Honda Accord insurance quotes in Georgia, click here to view.
Compare rates but buy from a neighborhood Atlanta auto insurance agent
Many people still prefer to go talk to an agent and that can be a smart move Good agents are very good at helping people manage risk and help in the event of a claim. One of the benefits of comparing rate quotes online is that you can obtain cheap auto insurance quotes and also buy local. And buying from local insurance agencies is definitely important in Atlanta.
By using this quick form, your information is transmitted to agents in your area who will give competitive quotes for your business. It makes it easy because there is no need to contact an agency because prices are sent immediately to you. In the event you want to compare rates from a specific insurance company, you just need to visit that company’s website and complete a quote there.
If you want a local Atlanta insurance agency, you must know there are a couple different agency structures and how they operate. Auto insurance agents can be described as either exclusive or independent (non-exclusive). Both types of agents can handle auto insurance, but it is a good idea to know how they differ because it can impact which type of agent you select.
Independent Auto Insurance Agencies or Brokers
Independent agents are not required to write business for one company so as a result can place your coverage amongst many companies and find the cheapest rate. If your premiums go up, they simply switch companies in-house and you can keep the same agent. When comparison shopping, we highly recommend that you include price quotes from multiple independent agents so that you have a good selection of quotes to compare. Many can place coverage with companies that do not advertise much that may provide cheaper auto insurance rates.
The following is a list of independent insurance agents in Atlanta that may be able to give you free price quotes.
- Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map - Snellings Walters Insurance Agency
1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map - Gibb Insurance Agency
991 Cascade Rd SW – Atlanta, GA 30311 – (404) 758-3511 – View Map
Exclusive Auto Insurance Agents
These agents work for only one company and examples are American Family, State Farm, and AAA. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable in insurance sales and that allows them to sell at a higher price point. Some consumers prefer to use the same agent mostly because of the brand name and the convenience of having a single billing for all their coverages.
Below are Atlanta exclusive agents willing to provide price quote information.
- Ryan King – State Farm Insurance Agent
3355 Lenox Rd NE #230 – Atlanta, GA 30326 – (404) 816-3276 – View Map - State Farm: Dave Simpson Jr
2240 Fairburn Rd SW – Atlanta, GA 30331 – (404) 344-9777 – View Map - Farmers Insurance – Jannette Boykin
674 North Highland Avenue Northeast b – Atlanta, GA 30306 – (678) 904-6621 – View Map
Choosing the best insurance agency shouldn’t rely on just the bottom line cost. The questions below may impact your decision as well.
- Are they full-time agents?
- In the event of vehicle damage, can you pick the collision repair facility?
- Does the agency have a positive business rating?
- Do they reduce claim amounts on high mileage vehicles?
- Has the agent ever had any license suspensions?
- How long has their agency been open in Atlanta?
- What discounts might you be missing?
If you get positive responses for all questions you ask and an acceptable price quote, you may have found a car insurance agent that is a good match to insure your vehicles.
How much can you save?
Drivers change insurance companies for a variety of reasons including policy non-renewal, poor customer service, denial of a claim or questionable increases in premium. Whatever your reason, finding the right auto insurance provider is easier than you think.
Lower-priced Honda Accord insurance in Atlanta is available on the web as well as from independent agents in Atlanta, so you should compare both to have the best chance of lowering rates. Some insurance providers may not have rates over the internet and these small, regional companies work with independent agents.
When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The proper strategy is to find the BEST coverage for the lowest cost while still protecting your assets.
Even more information can be read by following these links:
- Parking Tips to Reduce Door Dings (State Farm)
- Who Has Affordable Atlanta Auto Insurance for Drivers with Bad Credit? (FAQ)
- Who Has Cheap Atlanta Car Insurance Rates for a Toyota Highlander? (FAQ)
- Child Safety FAQ (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)