How to Get Lower Auto Insurance Rates in Smyrna

Searching for the cheapest quotes can be somewhat difficult for vehicle owners who are new to shopping for insurance over the internet. With so many insurance companies available, how can anyone have a chance to compare every company to locate the lowest price?

Sad but true, almost 70% of insureds have remained with the same car insurance company for over three years, and approximately 38% of consumers have never quoted car insurance rates at all. Many consumers in Smyrna can save almost 60% each year by just comparing rate quotes, but they don’t want to take the time to compare rate quotes.

If you have insurance now, you should be able to buy cheaper car insurance using this strategy. Finding and buying the best-priced coverage in Smyrna is quite easy. Nevertheless, Georgia drivers do need to learn how the larger insurance companies determine prices.

Many insurance companies like GEICO, State Farm and Progressive provide pricing direct online. This process is quite simple as all you need to do is type in your coverage preferences into the quote form. Behind the scenes, the system will order credit information and your driving record and gives you a price quote based on the information you submitted.

This helps simplify price comparisons, and it’s also necessary to get many rate quotes if you want to get lower-cost prices.

To save time and compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you complete the form with the limits and deductibles as close as possible to your current policy. This ensures you will be getting a rate comparison based on similar coverages.

The companies shown below are ready to provide quotes in Smyrna, GA. If the list has multiple companies, it’s a good idea that you compare several of them to find the lowest auto insurance rates.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in specific garaging location which can increase or decrease price quotes greatly.

How high should deductibles be?

The diagram below illustrates how your choice of deductibles and can affect Ford Fusion annual premium costs for different age groups of insureds. The premiums are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Companies offer money-saving discounts on insurance

Car insurance can cost a lot, but you may be missing some discounts to help bring down the price. A few discounts will be applied at quote time, but some discounts are required to be inquired about before you will receive the discount. If you do not check that you are getting every discount possible, you are paying more than you should be.

• Driver Training Discounts – Taking part in a class that teaches driver safety techniques could cut 5% off your bill and also improve your driving technique.
• Federal Government Employee – Employees or retirees of the government could cut as much as 10% off with select insurance companies.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save a little on the medical payments or PIP coverage costs.
• Distant Student – Any of your kids living away from Smyrna attending college and leave their car at home may be able to be covered for less.
• Membership in Organizations – Belonging to qualifying employment or professional organizations could qualify you for a break on your next insurance statement.
• Discounts for Responsible Drivers – Insureds without accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
• Paperwork-free – Some of the larger companies will give you a small discount simply for signing over the internet.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
• Early Signing – Select insurance companies give a discount for renewing your policy prior to your current policy expiration. Ten percent is about the average savings.
• Discounts for New Vehicles – Adding a new car to your policy is cheaper since new model year vehicles are generally safer.

Policy discounts save money, but some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.

To locate insurers with the best discounts in Smyrna, follow this link.

Why you need auto insurance

Even though it can be expensive, paying for auto insurance is not optional due to several reasons.

• Almost all states have minimum mandated liability insurance limits which means the state requires a specific level of liability insurance if you don’t want to risk a ticket. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your vehicle, most banks will make it mandatory that you carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your vehicle at a much higher rate and force you to pay for the expensive policy.
• Insurance protects your vehicle and your assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. As part of your policy, liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your auto insurance policy will cover the repair costs.

The benefits of having auto insurance are definitely more than the cost, particularly if you ever have a claim. Unknowingly, the average driver is currently overpaying as much as $810 a year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.

Special considerations

When quoting and comparing a policy, there really is not a “perfect” insurance plan. You are unique and your policy should reflect that.
For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

• Do I have ACV or replacement cost coverage?
• Does my policy pay for OEM or aftermarket parts?
• Is pet coverage available?
• At what point should I drop full coverage?
• Am I covered when using my vehicle for business?
• Does having multiple vehicles earn me a discount?
• What does roadside assistance cover?
• Do I have coverage if my license is suspended?
• Can I insure my car for more than it’s worth?
• I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

When should I have guidance from an insurance agent?

Certain consumers just prefer to get professional advice from a licensed agent and that is OK! The best thing about comparing rate quotes online is that you can find cheap rate quotes and still have a local agent.

Once you complete this short form, your insurance coverage information gets sent to insurance agents in Smyrna that can provide free Smyrna car insurance quotes and help you find cheaper coverage. There is no reason to find an agent because prices are sent directly to you. It’s the lowest rates AND an agent nearby. If you have a need to get a comparison quote from a particular provider, you just need to jump over to their website and fill out their quote form.

Finding the right provider is decision based upon more than just the price. Any agent in Smyrna should have no problem answering these questions:

• Do they get extra compensation for selling add-on coverages?
• Do they have cheaper tiers of coverage?
• What are their preferred companies if they are an independent agency?
• If you raise deductibles, how much can you save?
• What will you get paid if your car is a total loss? How is that amount determined?
• What insurance companies do they work with in Smyrna?
• Will they take your side in the event of a claim?
• Are all drivers listed on the coverage quote?

If you need to find a local insurance agency, you must know there are a couple types of insurance agents and how they function. Agencies in Smyrna are either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Agents that choose to be exclusive generally can only insure with one company like Allstate and State Farm. Exclusive agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are highly trained on what they offer and that allows them to sell at a higher price point. Consumers often buy from exclusive agents mostly because of high brand loyalty and solid financial strength.

Listed below are exclusive agents in Smyrna willing to provide price quote information.

• Farmers Insurance – Gregory Agency
  614 Concord Rd SE – Smyrna, GA 30082 – (770) 803-1003 – View Map
• Farmers Insurance – Okafor Gregory
  2350 Spring Rd SE #400 – Smyrna, GA 30080 – (770) 803-1003 – View Map
• Joe DeBose – State Farm Insurance Agent
  2629 Cobb Pkwy SE – Smyrna, GA 30080 – (770) 951-2044 – View Map

View more Smyrna agents

Independent Agencies or Brokers

Agents of this type are appointed with more than one company so they have the ability to put coverage with any number of different companies and help determine which has the cheapest rates. If they quote lower rates, they simply move the coverage in-house and that require little work on your part. If you are trying to find cheaper rates, it’s a good idea to get some free quotes from several independent agencies to ensure the widest selection of prices. Most also have access to additional companies that you may not be familiar with which may have better rates.

The following are Smyrna independent insurance agencies who can help you get rate quotes.

• ATI Insurance Agency – Smyrna
  636 Windy Hill Rd SE – Smyrna, GA 30080 – (678) 720-9020 – View Map
• Action Auto Agency
  3761 S Cobb Dr SE – Smyrna, GA 30080 – (770) 433-0123 – View Map
• Acceptance Auto Insurance
  2477 Cobb Pkwy – Smyrna, GA 30080 – (770) 850-8484 – View Map

View more Smyrna agents

If you get good responses to any questions you may have and locked in a price quote, chances are good that you have found a car insurance agent that meets the criteria to properly service your auto insurance policy. Just keep in mind you can always terminate your policy whenever you want so never assume that you’re stuck with a specific company for any length of time.

Claim statistics by make and model

Which vehicles have good claim ratings? The next tables show the best and worst manufacturer models for the overall chance of filing claims.