Locating budget-priced quotes online can be overwhelming for beginners to comparing rates and buying insurance over the internet. With dozens of online companies available, how can Sandy Springs drivers even start to compare every one to find the lowest rates?
Sad but true, most Georgia insurance customers have bought insurance from the same company for over three years, and almost half have never compared quotes from other companies. American insurance shoppers could pocket approximately 46.5% a year just by comparing rates, but they think it’s difficult to compare rate quotes online.
Car insurance providers offering cheap prices in Georgia
The companies in the list below can provide free rate quotes in Georgia. If multiple providers are shown, we suggest you get prices from several of them to get the most competitive price.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium | ||||
|---|---|---|---|---|---|---|---|
| Chevrolet Colorado LT Crew Cab 2WD | $1,300 | $650 | $108 | ||||
| Chevrolet Malibu LT | $1,360 | $680 | $113 | ||||
| Chevrolet Silverado LS Regular Cab 4WD | $1,004 | $502 | $84 | ||||
| Dodge Grand Caravan Hero | $1,326 | $663 | $111 | ||||
| Dodge Ram Quad Cab SLT 4WD | $1,020 | $510 | $85 | ||||
| Ford Escape XLS 2WD | $1,182 | $591 | $99 | ||||
| Ford F-150 XL Regular Cab 2WD | $980 | $490 | $82 | ||||
| Ford Focus SEL 4-Dr Sedan | $1,416 | $708 | $118 | ||||
| GMC Sierra SLE Regular Cab 4WD | $1,158 | $579 | $97 | ||||
| Honda Accord EX-L 2-Dr Coupe | $1,196 | $598 | $100 | ||||
| Honda CR-V LX 4WD | $1,096 | $548 | $91 | ||||
| Honda Civic GX 4-Dr Sedan | $1,194 | $597 | $100 | ||||
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,160 | $580 | $97 | ||||
| Nissan Altima 2.5 4-Dr Sedan | $1,236 | $618 | $103 | ||||
| Nissan Rogue S 2WD | $980 | $490 | $82 | ||||
| Toyota Camry XLE | $1,448 | $724 | $121 | ||||
| Toyota Corolla LE | $1,306 | $653 | $109 | ||||
| Toyota RAV4 Limited 4WD | $934 | $467 | $78 | ||||
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific location which can modify coverage prices significantly.
Deductible analysis
One common question asked by Sandy Springs drivers is how high should the physical damage deductibles be. The figures shown below highlight the differences in premium rates between low and high coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corolla LE | $338 | $720 | $394 | $24 | $118 | $1,619 | $135 |
| Corolla S | $338 | $720 | $394 | $24 | $118 | $1,619 | $135 |
| Corolla XLE | $338 | $720 | $394 | $24 | $118 | $1,619 | $135 |
| Corolla XRS | $382 | $720 | $394 | $24 | $118 | $1,663 | $139 |
| Get a Quote for Your Vehicle Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corolla LE | $188 | $380 | $394 | $24 | $118 | $1,104 | $92 |
| Corolla S | $188 | $380 | $394 | $24 | $118 | $1,104 | $92 |
| Corolla XLE | $188 | $380 | $394 | $24 | $118 | $1,104 | $92 |
| Corolla XRS | $212 | $380 | $394 | $24 | $118 | $1,128 | $94 |
| Get a Quote for Your Vehicle Go | |||||||
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, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates significantly.
Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $43 more each month or $516 annually than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 21 months between claim filings, you would save more money if you elect the higher deductible.
Take advantage of these discounts
Some insurers do not list every possible discount very clearly, so below is a list both well-publicized in addition to some of the lesser obvious auto insurance savings.
- Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
- Good Grades Discount – Getting good grades can earn a discount of 20% or more. Most companies allow this discount until age 25.
- Anti-lock Brakes – Cars with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10% off your Sandy Springs car insurance quote.
- Defensive Driver – Passing a safe driver course could cut 5% off your bill and easily pay for the cost of the class.
- Student in College – Kids who live away from home to go to college and do not have a car can be insured at a reduced rate.
One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky.
To see a list of providers who offer auto insurance discounts in Sandy Springs, follow this link.
How to know if you need help
Always remember that when buying coverage online or from an agent for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply.
For instance, these questions might point out if you may require specific advice.
- Is business equipment covered while in my vehicle?
- Am I missing any policy discounts?
- Is pleasure use cheaper than using my vehicle to commute?
- Does my policy cover me when driving someone else’s vehicle?
- Do I need medical payments coverage since I have good health insurance?
- Is business property covered if stolen from my car?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Do I need an agent?
Many drivers prefer to sit down with an agent and that can be a great decision The best thing about comparing insurance prices online is that you can obtain cheap rate quotes and also buy local. Putting coverage with neighborhood insurance agencies is important especially in Sandy Springs.
After completing this simple form, your information is sent to insurance agents in Sandy Springs that can give you free Sandy Springs car insurance quotes for your insurance coverage. You won’t even need to leave your house due to the fact that quote results will go to you directly. You can most likely find cheaper rates and a licensed agent to work with. If you have a need to compare rates from a particular provider, don’t hesitate to find their quoting web page and fill out the quote form the provide.
If you’re trying to find a reliable insurance agency, you need to know there are two different agency structures and how they are distinctly different. Sandy Springs agents are considered either independent agents or exclusive agents.
Independent Car Insurance Agencies
Independent agencies do not sell for just one brand so as a result can place your coverage with lots of companies and potentially find a lower price. If prices rise, they simply switch companies in-house and you stay with the same agent. When comparing car insurance prices, it’s a good idea to get rate quotes from at a minimum one independent agency in order to compare the most rates. Most can insure with companies that do not advertise much which could offer lower prices.
Featured below is a small list of independent agents in Sandy Springs who can help you get free rate quotes.
- Nationwide Insurance: Tommy Jones Agency
3201 Atlanta Industrial Pkwy NW b220 – Atlanta, GA 30331 – (404) 660-3821 – View Map - PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map - Alfa Insurance – Matt Green Agency
3945 Holcomb Bridge Rd #200 – Norcross, GA 30097 – (678) 261-7913 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only quote rates from one company and some examples include AAA, Allstate, and State Farm. These agents are not able to provide other company’s prices so they have no alternatives for high prices. Exclusive agencies receive extensive training on their products and sales techniques and that allows them to sell at a higher price point. Consumers frequently buy from the same agent for years mainly due to high brand loyalty and strong financial ratings.
Listed below are Sandy Springs exclusive agencies that are able to give price quotes.
- Allstate Insurance: Darrin Collins
2036 Johnson Ferry Rd NE c – Atlanta, GA 30319 – (770) 458-8231 – View Map - Randy Beavers – State Farm Insurance Agent
135 Mount Vernon Hwy – Atlanta, GA 30328 – (770) 396-3810 – View Map - Allstate Insurance: Felipe Munive
7887 Roswell Rd Ste C – Sandy Springs, GA 30350 – (770) 988-5522 – View Map
Finding the right insurance agency needs to be determined by more than just the premium amount. Before buying a policy in Sandy Springs, get answers to these questions.
- Do they get extra compensation for selling add-on coverages?
- Will the agent help in case of a claim?
- Do you qualify for any additional discounts?
- Do they specialize in personal lines coverage in Sandy Springs?
- Can they help ensure a fair claim settlement?
- If you are a high risk driver, do they have special markets for your coverage?
- Is the agent CPCU or CIC certified?
- Are there any extra charges for paying monthly?
After talking to the agent and getting positive feedback to any questions you may have in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that is a good match to provide car insurance coverage.
Car insurance savings promises
Big name companies like Progressive, GEICO, Allstate and State Farm seem to constantly run ads in print and on television. They all seem to state the claim about savings just by moving your coverage. How is it possible that every company can give you a lower rate on car insurance? It’s all in the numbers.
Car insurance companies quote their cheapest rates for the type of customer that will most likely be profitable. An example of a driver they prefer might be married and over the age of 30, has a clean driving record, and drives less than 5,000 miles a year. Anyone that fits those parameters may get the lowest premium rates in Sandy Springs and therefore will cut their car insurance rates if they switch.
People who do not fit the “perfect” profile must pay a higher rate which usually ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can claim big savings.
Because every company is different, drivers should compare many company’s rates. It’s not possible to predict which company will have the lowest car insurance in Sandy Springs.
How much can you save?
When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In many cases, an insured cut comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.
Budget-conscious auto insurance is available on the web and also from your neighborhood Sandy Springs agents, so you should compare both to get a complete price analysis. A few companies may not provide online quoting and usually these regional carriers prefer to sell through independent agents.
More tips and info about auto insurance is available in these articles:
- Collision Coverage (Liberty Mutual)
- Who Has Cheap Atlanta Auto Insurance for 19 Year Olds? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Used Cars in Atlanta? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Uninsured Drivers in Atlanta? (FAQ)
- How Much is Auto Insurance for Single Moms in Atlanta? (FAQ)
- How Much are Atlanta Car Insurance Rates for Low Income Drivers? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Collision Insurance Coverage (Nationwide)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Smart Auto Insurance Tips (Insurance Information Institute)