Affordable Pontiac Vibe Insurance in Atlanta

Do you want to learn to get more affordable insurance rates in Atlanta, GA? Atlanta buyers have many options when searching for the lowest priced Pontiac Vibe insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to make rate comparisons. There are both good and bad ways to find insurance online so we’re going to tell you the absolute fastest way to compare rates for a new or used Pontiac and obtain the cheapest rates either online or from Atlanta insurance agents.

It’s smart to do price comparisons yearly because insurance prices change frequently. Despite the fact that you may have had the best deal on Pontiac Vibe insurance in Atlanta six months ago there may be better deals available now. You can find a lot of information about Vibe insurance on the internet, but in a few minutes you can learn some excellent ideas to lower your insurance premiums.

If you are insured now or are looking for a new policy, use these tips to save money without reducing coverage. Our goal is to teach you a little about how auto insurance companies operate and also pocket some savings Comparison shoppers just have to understand the proper methods to compare prices online.

Companies offering Pontiac Vibe insurance in Atlanta

The companies shown below have been selected to offer free rate quotes in Georgia. If more than one company is shown, it’s a good idea that you click on several of them in order to get a fair rate comparison.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in Atlanta location which can alter rates significantly.

Choosing deductibles

One of the most common car insurance questions is the level to set your comp and collision deductibles. The rates shown below show the differences in premium rates when you buy lower versus higher coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price information does not factor in zip code location which can influence premium rates noticeably.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $28 more each month or $336 every year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at least 14 months between claims, you would probably come out ahead if you choose a higher deductible.

Discounts mean cheaper rates for Pontiac Vibe insurance in Atlanta

Auto insurance companies don’t necessarily list the entire discount list in an easy-to-find place, so the following list contains a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Atlanta car insurance online.

• ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control can avoid accidents and qualify for as much as a 10% discount.
• Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their Atlanta car insurance quote than their less cautious counterparts.
• Telematics Data Discounts – Insureds that choose to allow their insurance company to look at vehicle usage remotely such as Progressive’s Snapshot could save a few bucks if they have good driving habits.
• Sign Early and Save – Some insurance companies reward drivers for signing up before your current expiration date. This discount can save up to 10%.
• Low Mileage Discounts – Driving fewer miles may allow you to get better prices on cars that stay parked.
• Life Insurance Discount – Companies who offer life insurance give a discounted car insurance rate on car insurance if you buy a life insurance policy as well.
• Own a Home – Simply owning a home can save a few bucks because maintaining a house means you have a higher level of financial diligence.
• Multi-policy Discount – If you can bundle your homeowners and auto insurance and insure them with the same company you could earn a discount of at least 10% off all policies.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Student in College – Older children who are enrolled in higher education away from home and don’t have a car may qualify for this discount.

As a footnote on discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

A few popular companies and some of the premium reductions they offer include:

• Esurance discounts include anti-theft, paid-in-full, safety device, homeowner, and renters.
• The Hartford offers discounts for vehicle fuel type, driver training, defensive driver, air bag, anti-theft, and good student.
• AAA has savings for good driver, education and occupation, good student, anti-theft, and multi-car.
• GEICO may include discounts for daytime running lights, driver training, anti-lock brakes, air bags, military active duty, defensive driver, and good student.
• State Farm may offer discounts for multiple policy, anti-theft, multiple autos, accident-free, and student away at school.

It’s a good idea to ask all the companies what discounts are available to you. Some of the earlier mentioned discounts may not be offered in your area.

Insurance can get complicated

When it comes to coverage for your vehicles, there really isn’t a “perfect” insurance plan. Every situation is different.

These are some specific questions could help you determine whether or not you could use an agent’s help.

• Why do I need rental car insurance?
• How long can I keep a teen driver on my policy?
• What does medical payments coverage do?
• Is rental equipment covered for theft or damage?
• Can I afford to pay high deductible claims out of pocket?
• How much liability do I need to cover my assets?
• Is business property covered if stolen from my car?
• Can I afford low physical damage deductibles?
• When do I need to add a new car to my policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Buying auto insurance from Atlanta car insurance agents

A lot of people still prefer to get professional advice from a licensed agent and we recommend doing that Licensed agents can answer important questions and help submit paperwork. A nice benefit of comparing auto insurance online is that drivers can save money and get lower rates and still buy from a local agent.

By using this quick form, your insurance data gets sent to agents in your area that give free quotes for your business. It simplifies rate comparisons since you won’t have to leave your computer because quoted prices will be sent directly to your email. If you need to get a price quote from one company in particular, just search and find their rate quote page and fill out their quote form.

Picking the best insurance company should depend on more than just the price. The answers to these questions are important, too.

• Do they have 24-hour customer assistance?
• Is the agent properly licensed in Georgia?
• Is every driver in your family covered?
• Do you need full coverage on every vehicle?
• Will you work with the agent or an assistant?
• Will the company cover a rental car if your car is getting fixed?
• Is their price quote a firm figure or are their hidden costs?
• Will one accident increase rates?

Types of auto insurance agents

When narrowing the list to find a local Atlanta insurance agency, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Insurance agencies in Atlanta can either be exclusive or independent (non-exclusive). Either can insure your vehicles properly, but it’s worth learning the difference in the companies they write for because it may have an impact on which type of agent you select.

Exclusive Insurance Agents

Agents in the exclusive channel normally can only provide a single company’s rates and examples are Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on their products and sales techniques and that can be a competitive advantage. Consumers frequently buy insurance from these agents partially due to the brand instead of buying on price only.

The following is a short list of exclusive agencies in Atlanta that are able to give price quotes.

• Dana Shivalier – State Farm Insurance Agent
  1544 Piedmont Ave NE #107 – Atlanta, GA 30324 – (404) 892-0101 – View Map
• Rob Hill – State Farm Insurance Agent
  2800 Shallowford Rd NE, Ste A-B – Atlanta, GA 30341 – (678) 791-7132 – View Map
• Carter Nicholson – State Farm Insurance Agent
  3040 Briarcliff Rd NE c – Atlanta, GA 30329 – (404) 748-9739 – View Map

More Atlanta agents

Independent Agents

Independent insurance agents are not required to write business for one company and that gives them the ability to insure through many different auto insurance companies and find you cheaper rates. If they find a cheaper price, your agent can just switch to a different company and you won’t have to switch agencies. When comparing auto insurance prices, you will want to get insurance quotes from independent agents to get the most accurate price comparison. Most independent agents also contract with smaller companies that may provide cheaper auto insurance rates.

The following is a short list of independent agencies in Atlanta willing to provide price quotes.

• Morris and Templeton Insurance
  3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
• PointeNorth Insurance Group
  1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map
• Nationwide Insurance: Kevin Thompson Agency
  216 14th St NW #8 – Atlanta, GA 30318 – (470) 355-1973 – View Map

More Atlanta agents

Car insurance companies are expert advertisers

Georgia drivers can’t get away from ads that claim the lowest auto insurance rates from the likes of Allstate and Progressive. They all seem to convey the message that people will save just by switching your policy.

How does every car insurance company offer drivers better rates? You have to listen carefully.

Car insurance companies have specific criteria for the type of customer that will add to their bottom line. A good example of a profitable customer could be over age 30, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who meets those qualifications will qualify for the lowest premium rates in Atlanta and therefore will save when they switch companies.

Insureds who don’t qualify for these criteria will probably have to pay a higher rate which results in business not being written. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” will save that much if they switch. That’s why companies can truthfully lure you into getting a quote. Because of this risk profiling, you should do a rate comparison at every renewal. You cannot predict the company that will have the best auto insurance rates for your profile.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, you should never buy less coverage just to save a little money. There have been many situations where consumers will sacrifice collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

Consumers change insurance companies for a variety of reasons including delays in responding to claim requests, denial of a claim, high rates after DUI convictions and even lack of trust in their agent. Whatever your reason, switching insurance companies is easier than you think.

You just read quite a bit of information on how to get a better price on Pontiac Vibe insurance in Atlanta. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with the least-expected company.

Much more information about insurance in Georgia can be read at these links:

• Distracted Driving Statistics (Insurance Information Institute)
• Who Has the Cheapest Atlanta Auto Insurance with Multiple Speeding Tickets? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Teenagers in Atlanta? (FAQ)
• How Much are Car Insurance Rates for Welfare Recipients in Atlanta? (FAQ)
• Who Has Cheap Car Insurance for Electric Cars in Atlanta? (FAQ)
• Cellphones, Texting and Driving (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Distracted Driving Extends Beyond Texting (State Farm)