Save Money on Honda CR-V Insurance in Atlanta

Looking for cheaper Honda CR-V insurance in Atlanta? Price shopping your Honda CR-V insurance in Atlanta could be very difficult for beginners to comparing prices online. People have so many options available that it can turn into a challenge to compare coverage rates on Honda CR-V insurance.

It’s hard to fathom, but the vast majority of drivers have purchased from the same company for over three years, and just short of a majority have never compared rates from other carriers. Consumers in the U.S. could cut their rates by nearly $860 a year by just comparing quotes, but they don’t understand how simple it is to compare rate quotes.

It is always a good idea to take a look at other company’s rates as often as possible due to the fact that insurance prices are variable and change quite frequently. Just because you found the best rates on Honda CR-V insurance in Atlanta a couple years back there may be better deals available now. Ignore everything you know about auto insurance because it’s time to teach you the fastest and easiest way to find better rates and still maintain coverage.

If you are already insured, you will be able to find the best rates using the concepts you’re about to learn. This information will teach you a little about the best way to buy inexpensive auto insurance. Although Georgia drivers must learn how big insurance companies determine prices because rates fluctuate considerably.

Affordable Honda insurance rate quotes in Atlanta

The companies in the list below have been selected to offer price quotes in Atlanta, GA. If more than one company is shown, we recommend you get rate quotes from several of them to find the lowest car insurance rates.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in garaging location in Atlanta which can revise coverage rates noticeably.

Physical damage deductibles: Should you raise them?

One frequently asked question is which deductibles should you choose. The premium rates below can help show how much more you’ll pay when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Prices 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-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in your specific Atlanta location which can impact premium rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $33 more each month or $396 a year than opting for the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 27 months between claim filings, you would save more money by going with a higher deductible.

Get cheaper Honda CR-V insurance in Atlanta with discounts

Insurance is not an enjoyable expense, but there could be significant discounts that could help you make your next renewal payment. A few discounts will be applied when you complete an application, but a few must be manually applied before they will apply.

• Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
• Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
• No Claim Discounts – Insureds who avoid accidents and claims pay less in comparison with insureds who have frequent claims or accidents.
• Home Ownership Discount – Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
• Discounts for Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
• Discount for Low Mileage – Low mileage vehicles can qualify you for better premium rates on cars that stay parked.
• Accident Waiver – Not necessarily a discount, but a few companies such as Progressive, State Farm and GEICO will turn a blind eye to one accident without the usual rate increase so long as you are claim-free prior to the accident.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out a life insurance policy as well.

Discounts lower rates, but many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So when it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

A list of companies and their possible discounts are outlined below.

• GEICO may have discounts that include defensive driver, anti-lock brakes, five-year accident-free, membership and employees, and federal employee.
• SAFECO includes discounts for drive less, safe driver, multi-car, homeowner, and teen safety rewards.
• State Farm offers premium reductions for accident-free, defensive driving training, safe vehicle, student away at school, passive restraint, and Drive Safe & Save.
• MetLife has savings for accident-free, good driver, claim-free, defensive driver, and good student.
• 21st Century policyholders can earn discounts including 55 and older, good student, theft prevention, air bags, defensive driver, and driver training.
• Progressive offers discounts including continuous coverage, multi-policy, homeowner, multi-vehicle, and online signing.

When getting free Atlanta car insurance quotes, it’s a good idea to all the companies the best way to save money. Savings might not be available to policyholders in Atlanta.

Buying from insurance agents

A lot of people just want to buy from a licensed agent and doing so can bring peace of mind One of the great benefits of price shopping on the web is that drivers can save money and get cheap rate quotes and still buy from a local agent. Buying from and supporting local agencies is especially important in Atlanta.

To find an agent, once you fill out this simple form, your information is submitted to participating agents in Atlanta who will return price quotes for your insurance coverage. You won’t even need to do any legwork because prices are sent directly to your email. You can find better rates without requiring a lot of work. In the event you want to quote rates from one company in particular, you would need to find their quoting web page and fill out their quote form.

Two types of auto insurance agents

When researching a local agent, you need to know there are two different types of agents and how they function. Car insurance agencies can be categorized as either exclusive or independent agents depending on their company appointments.

Independent Agents (or Brokers)

These type of agents can quote rates with many companies so as a result can place your coverage with a variety of different insurance companies depending on which coverage is best. If your premiums go up, the business is moved internally and that require little work on your part. If you need lower rates, we highly recommend that you include rate quotes from at a minimum one independent agency to get the best comparison. Many can place coverage with smaller companies which may provide better rates.

Listed below is a partial list of independent insurance agents in Atlanta that may be able to provide price quote information.

• Perimeter Insurance Agency
  5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map
• Access General Agency Inc
  1627 Peachtree St NE – Atlanta, GA 30309 – (404) 817-9744 – View Map
• Morris and Templeton Insurance
  3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map

More Atlanta agents

Exclusive Agencies

Agents of this type can only quote rates from one company and examples are Farmers Insurance or State Farm. Exclusive agencies are unable to give you multiple price quotes so they are skilled at selling on more than just price. They are well trained on the products they sell and that can be a competitive advantage. Consumers often buy from the same agent for years primarily because of the brand rather than low rates.

Listed below is a short list of exclusive agencies in Atlanta that can give you comparison quotes.

• Shiron Kilgore – State Farm Insurance Agent
  42 Forsyth St NW – Atlanta, GA 30303 – (404) 527-4883 – View Map
• Geoff Carlson – State Farm Insurance Agent
  1465 Chattahoochee Ave NW #550 – Atlanta, GA 30318 – (678) 927-9977 – View Map
• American Family Insurance – Sheree Johnson
  1218 Fairburn Rd SW #204 – Atlanta, GA 30331 – (404) 682-1940 – View Map

More Atlanta agents

Finding the right car insurance agent should include more criteria than just a low price. The following questions are important to ask.

• Does the company have a local claim office in Atlanta?
• Which companies can they place coverage with?
• Do they have 24-hour customer assistance?
• When do they do a full risk review?
• Is insurance their full-time profession?
• How long has their agency been in business in Atlanta?

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair bills for other people’s vehicles, medical expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Georgia requires minimum liability limits of 25/50/25 but you should think about purchasing better liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed, vandalism, theft and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your CR-V from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, backing into a parked car, scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible on your CR-V to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for chiropractic care, dental work, X-ray expenses, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Honda CR-V.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Don’t give up on cheaper premiums

When shopping online for auto insurance, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an insured cut liability coverage limits only to regret that it was a big mistake. Your goal is to buy enough coverage at a price you can afford, but do not skimp to save money.

Some insurance providers may not have rate quotes online and these smaller companies only sell through local independent agencies. Lower-priced auto insurance in Atlanta can be bought from both online companies and from local insurance agents, and you need to comparison shop both to get a complete price analysis.

We just showed you a lot of information how to save on Honda CR-V insurance in Atlanta. The key thing to remember is the more times you quote, the better your comparison will be. Consumers could even find that the most savings is with a small local company.

For more information, take a look at these articles:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Who Has the Cheapest Atlanta Auto Insurance with Multiple Speeding Tickets? (FAQ)
• How to Avoid Common Accidents (State Farm)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)