Best Quotes for Cadillac SRX Insurance in Atlanta

Do you think you bought high-priced Cadillac SRX insurance in Atlanta? Say no more because many Atlanta consumers are in the same pinch.

Unfortunately, almost 70% of drivers kept their coverage with the same auto insurance company for more than four years, and almost half have never taken the time to shop around. Atlanta drivers can save hundreds of dollars each year by just shopping around, but they just assume it’s a time-consuming process to compare other rate quotes. Online insurance companies like Progressive, GEICO and Farmers Insurance increase brand awareness with TV and radio ads and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.

Cheap Atlanta car insurance rates with discounts

Some providers don’t list every possible discount in an easy-to-find place, so the following list contains both the well known as well as some of the hidden discounts that you may qualify for.

• Air Bag Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
• Own a Home – Owning a house in Atlanta can get you a discount because of the fact that having a home requires a higher level of personal finance.
• Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you may have a lower total premium amount.
• Switch and Save Discount – A few larger companies offer discounts for switching to them prior to your current SRX insurance policy expiring. Ten percent is about the average savings.
• No Charge for an Accident – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free prior to the accident.
• Low Miles Discount – Low mileage vehicles can earn discounted premium rates on garaged vehicles.
• Anti-theft System – Vehicles that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
• Senior Citizen Discount – Seniors may be able to get a discount up to 10%.
• Bundle and Save – When you combine your homeowners and auto insurance with one company you could earn a discount of 10% to 20% off each policy.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of providers that offer multiple discounts in Atlanta, click here.

Finding a better price on insurance is a fairly straight forward process. The only requirement is to invest a little time comparing price quotes to find the company with low cost Atlanta auto insurance quotes.

It’s so simple to compare insurance price quotes online takes the place of having to drive around to and from local Atlanta insurance agencies. Doing it all online eliminates this option unless you have a need for the peace of mind that can only be provided by a licensed insurance agent. Although, it is possible comparison shop online but buy the policy through an agent.

The providers in the list below can provide quotes in Atlanta, GA. If the list has multiple companies, we suggest you visit two to three different companies to get the best price comparison.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in zip code location which can alter premiums noticeably.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is which comprehensive and collision deductibles to buy. The following tables determine the rate differences when you buy lower versus higher coverage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can change auto insurance rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs an average of $49 more each month or $588 a year than selecting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 18 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

Illustration showing the impact of accidents and violations

The illustration below demonstrates how citations and at-fault fender-benders raise Cadillac SRX premium costs for each different age category. The premium estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Policy deductibles

The illustration below demonstrates how deductible levels and can change Cadillac SRX insurance costs for each age group. The data is based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Should I talk to an agent?

Some consumers still like to get advice from a local agent. Good insurance agents can help you build your policy and help file insurance claims. The biggest benefit of comparing auto insurance online is that drivers can save money and get the best rates and also buy local.

After filling out this short form, your insurance data is submitted to participating agents in Atlanta that can provide free Atlanta auto insurance quotes to get your business. There is no reason to find an agent on your own since price quotes are sent directly to you. If you wish to get a comparison quote from one company in particular, you can always jump over to their website to submit a rate quote request.

Finding the right provider should include more criteria than just a cheap price. These are some valid questions you should ask.

• How are claims handled?
• Is auto insurance their primary focus in Atlanta?
• How much can you save by raising your physical damage deductibles?
• What are their preferred companies if they are an independent agency?
• Will your rates increase after a single accident?
• Is there any savings for paying the full premium?
• Is the agent and/or agency licensed to do business in Georgia?

If you are searching for a reliable insurance agency, you should know the types of agencies and how they are slightly different. Agencies in Atlanta are classified as either independent agents or exclusive agents. Either one can write policy coverage, but it is important to understand the difference between them because it may have an impact on buying decisions.

Exclusive Agents

Agents of this type can only provide one company’s prices such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. These agents are usually well trained on what they offer and that enables them to sell even at higher rates.

Below are exclusive agents in Atlanta who may provide you with price quotes.

View more Atlanta agents

Independent Auto Insurance Agents

Independent agents can sell policies from many different companies so as a result can place your coverage with a variety of different insurance companies and get you the best rates possible. If you want to switch companies, the business is moved internally and you won’t have to switch agencies.

If you are comparing rate quotes, we recommend you get rate quotes from several independent agencies for the best price selection.

Shown below is a short list of independent insurance agents in Atlanta that are able to give rate quotes.

View more Atlanta agents

One last thing to lower rates

Cost effective Cadillac SRX insurance can be found both online and also from your neighborhood Atlanta agents, and you need to price shop both to get a complete price analysis. Some car insurance companies do not offer rate quotes online and these small, regional companies work with independent agencies.

When searching for cheaper Atlanta auto insurance quotes, do not skimp on critical coverages to save a buck or two. In too many instances, an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

More detailed car insurance information can be found in these articles:

• Understanding your Policy (NAIC.org)
• Who Has Cheap Atlanta Auto Insurance for Ride Shares? (FAQ)
• Who Has Cheap Car Insurance Quotes for High School Students in Atlanta? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Young Drivers in Atlanta? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Police Officers in Atlanta? (FAQ)
• Electronic Stability Control FAQ (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)