Save Money on Subaru Impreza Insurance in Atlanta

How long has it been since you compared quotes for more affordable Subaru Impreza insurance in Atlanta? If you’re searching for lower-cost insurance, do you get overwhelmed by the number of insurance providers that you can choose from? Georgia drivers have so many providers to choose from that it can turn into a real challenge to compare premium rates on Subaru Impreza insurance. Atlanta is a wonderful place to live, but expensive insurance can make it nearly impossible to maintain proper levels of coverage.

A recent study showed that nearly 70% of Georgia drivers have bought insurance from the same company for four years or more, and practically 40% of insurance customers have never compared insurance rates at all. With the average insurance premium being $1,847, American drivers could save almost 47% each year just by getting comparison quotes, but they don’t understand how simple it is to save money by comparing rate quotes.

Consumers should take time to compare rates as often as possible due to the fact that insurance prices tend to go up over time. Even if you think you had the best rates on Subaru Impreza insurance in Atlanta last year there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re going to learn how to use online quotes to properly buy coverages and cut your premium.

Low-cost Subaru insurance rates in Atlanta

The following companies provide quotes in Georgia. If several companies are displayed, we suggest you compare several of them to find the most competitive auto insurance rates.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific location which can increase or decrease rates substantially.

Careless drivers pay higher rates

The diagram below illustrates how traffic citations and accidents influence Subaru Impreza insurance prices for each age group. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Rate comparison for different deductibles

When buying car insurance, a common question is how high should the physical damage deductibles be. The tables below show the costs and benefits of buying low and high coverage deductibles. The first data set uses a $250 physical damage deductible and the second data table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can lower or raise prices greatly.

Based on the figures above, using a $250 deductible will cost you approximately $17 more each month or $204 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at least 15 months between claim filings, you would probably save some money going with the higher deductible.

Smart Consumers Can Lower Insurance Rates

Many factors are part of the equation when you get a price on insurance. Most are fairly basic like an MVR report, but other criteria are not as apparent such as your marital status or your financial responsibility.

The items below are a few of the “ingredients” used by insurance companies to determine your rates.

Where you live factors in – Being located in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. City drivers tend to have much more traffic and more time behind the wheel. Less people means a lower chance of having an accident as well as less vandalism and auto theft.

Rates increase with driving citations – Your driving citation history can have a huge impact on auto insurance premiums. Having just one chargeable violation may increase your cost by as much as twenty percent. Careful drivers get better prices as compared to careless drivers. Drivers unfortunate enough to have dangerous tickets such as DUI or willful reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to legally drive.

Higher physical damage deductibles save money – Insurance for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Examples of covered claims are a broken side mirror, vandalism, and rolling your vehicle. Comp and collision deductibles define how much the insured will be required to pay if the claim is covered. The more of the claim you have to pay, the lower your rates will be.

If you don’t need it don’t buy it – Insurance companies have many extra coverages that sound like a good idea at the time on your car insurance policy. Coverages for rental car reimbursement, accidental death, and membership fees may be wasting your money. These may sound like a good investment when talking to your agent, but if they’re wasting money remove them and pocket the money.

Subaru Impreza insurance loss probability – Insurance companies analyze claim trends for every vehicle when determining insurance prices. Models that statistically have higher loss trends will have higher premium rates. The table below illustrates the actual insurance loss data for Subaru Impreza vehicles.

For each type of coverage, the statistical loss for all vehicles compiled together equals 100. Values under 100 are indicative of better than average losses, while values that are above 100 indicate higher probability of having a loss or tendency to have higher losses.

Car insurance policy discounts for Subaru Impreza insurance in Atlanta

Some companies do not advertise all discounts in a way that’s easy to find, so the below list has both the well known and also the more inconspicuous savings tricks you should be using when you buy Atlanta car insurance online.

• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and qualify for as much as a 10% discount.
• Student Discounts – Excelling in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
• Discount for Low Mileage – Low annual miles can qualify you for substantially lower premium rates.
• Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
• College Student Discount – Youth drivers who attend college more than 100 miles from Atlanta without a vehicle on campus may be able to be covered for less.
• Paper-free Discount – Certain car insurance companies provide a small discount simply for signing on their website.
• Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
• Club Memberships – Participating in qualifying clubs or civic groups can get you a small discount on your next renewal.
• Atlanta Homeowners Pay Less – Just owning your own home can help you save on car insurance because owning a home requires personal responsibility.

As a footnote on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you aren’t that lucky. Any qualifying discounts will definitely reduce the cost of your policy.

To locate car insurance companies with the best discounts in Georgia, click here to view.

Get rate quotes but still have a local Atlanta insurance agent

Many people prefer to visit with an insurance agent and we recommend doing that The biggest benefit of getting online price quotes is that you can find the lowest rates but also keep your business local.

After filling out this short form, your coverage information is transmitted to local insurance agents in Atlanta that provide free Atlanta car insurance quotes to get your business. It simplifies rate comparisons since you won’t have to visit any agencies because quoted prices will be sent directly to you. Get lower rates AND an agent nearby. If you want to compare prices from one company in particular, you just need to visit that company’s website and complete a quote there.

Finding the right insurance company should include more criteria than just the price. The answers to these questions are important, too.

• Do they see any coverage gaps in your plan?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Are they properly licensed to sell insurance in Georgia?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Can you choose the body shop in case repairs are needed?
• How are claims handled?

The type of car insurance agent you choose is important

If you are wanting to find a reputable insurance agent or broker, there are two types of insurance agents that differ in how they can insure your vehicles. Agents in Atlanta are classified as either independent (non-exclusive) or exclusive.

Exclusive Car Insurance Agents

Exclusive insurance agents can usually just insure with one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to provide other company’s prices so they really need to provide good service. Exclusive insurance agents are well schooled on their company’s products and that allows them to sell at a higher price point. Consumers often buy insurance from these agents mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Below is a short list of exclusive agencies in Atlanta that can give you price quotes.

• Aaron Frazier – State Farm Insurance Agent
  NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847 – View Map
• Jerome Johnson, Sr. – State Farm Insurance Agent
  3101 Clairmont Rd b – Atlanta, GA 30329 – (404) 321-6688 – View Map
• Trevor Nollner – State Farm Insurance Agent
  881 Ponce De Leon Ave NE #17 – Atlanta, GA 30306 – (678) 515-8297 – View Map

View more agents

Independent Agents (or Brokers)

These type of agents can quote rates with many companies so they can quote policies with many different companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply move the coverage in-house and the insured can keep the same agent. When searching for an agent, you will definitely want to compare prices from multiple independent agents for maximum quote selection. Most independent agents also contract with companies you’ve never heard of that may provide cheaper car insurance rates.

Shown below is a list of independent agencies in Atlanta who can help you get price quote information.

• Cascade Heights Insurance Agency
  833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map
• White and White Insurance
  2882 E Point St – Atlanta, GA 30344 – (404) 766-9390 – View Map
• Morris and Templeton Insurance
  3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map

View more agents

If you receive good responses for all questions you ask and an acceptable price quote, you may have just found an auto insurance agent that is professional and can adequately provide car insurance. Just understand that you have the power to cancel your policy when you choose so don’t assume you are locked into a policy for the entire policy term.

Cover all your bases

Lower-priced Subaru Impreza insurance in Atlanta is attainable from both online companies and from local agencies, and you need to price shop both to have the best selection. Some auto insurance companies do not offer rates over the internet and these smaller companies only sell through independent insurance agents.

As you shop your coverage around, never buy less coverage just to save a little money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

We covered many ideas to compare Subaru Impreza insurance prices in Atlanta. The most important thing to understand is the more you quote Atlanta car insurance, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with the least-expected company.

Helpful resources

• Driving in Bad Weather (Insurance Information Institute)
• How Much are Auto Insurance Quotes for Inexperienced Drivers in Atlanta? (FAQ)
• How Much is Atlanta Auto Insurance for Drivers Requiring a SR22? (FAQ)
• Who Has Cheap Auto Insurance Rates for Drivers Over Age 60 in Atlanta? (FAQ)
• Who Has the Cheapest Atlanta Auto Insurance Quotes for Retired Military? (FAQ)
• Senior Drivers (Insurance Information Institute)
• Top Signs Your Brakes are Giving Out (State Farm)