Would you like to find low-cost Toyota Matrix insurance in Atlanta? Tired of trying to scrape together enough money to pay car insurance each month? You have the same problem as most other consumers in Georgia.
Astonishing but true, a large majority of consumers have remained with the same car insurance company for a minimum of four years, and 38% of drivers have never even shopped around for cheaper coverage. Atlanta drivers could cut their rates by nearly $959 a year, but they mistakenly think it’s difficult to save money by comparing rate quotes.
Multiple insurers compete for your business, so it can be very hard to choose a company and uncover the absolute best rates possible on Toyota Matrix insurance in Atlanta.
It’s a good habit to check car insurance prices on a regular basis since rates are usually higher with each renewal. If you had the best rate on Toyota Matrix insurance in Atlanta two years ago you will most likely find a better price today. There is a lot of bad advice regarding Matrix insurance out there, but by reading this article, you’re going to learn some solid techniques on how to lower your car insurance bill.
The easiest way to compare car insurance rates for Toyota Matrix insurance in Atlanta is to know most of the larger companies provide online access to provide you with a free rate quote. All consumers are required to do is provide a little information including driver details, your general credit rating, how many miles driven, and whether you are married. That rating information gets sent immediately to insurance carriers in your area and you will receive price estimates quickly.
To compare rates for your Toyota Matrix now, click here and find out if you can get cheaper insurance in Atlanta.
The companies in the list below can provide quotes in Atlanta, GA. If several companies are displayed, we recommend you get prices from several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Matrix 2WD | $158 | $316 | $402 | $24 | $120 | $1,020 | $85 |
| Matrix S 2WD | $338 | $720 | $394 | $24 | $118 | $1,594 | $133 |
| Matrix S AWD | $376 | $886 | $532 | $32 | $158 | $1,984 | $165 |
| Matrix XRS 2WD | $184 | $436 | $476 | $28 | $142 | $1,266 | $106 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in zip code location which can raise or lower rates considerably.
Full coverage versus liability-only
The information below illustrates the difference between Toyota Matrix car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Georgia. The information is based on no tickets, no at-fault accidents, $500 deductibles, single female driver, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no specific rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s assume your Toyota Matrix book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are paying more than $200 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some scenarios where buying only liability insurance is not advised. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Save money on Toyota Matrix insurance in Atlanta with these discounts
Insurance can be prohibitively expensive, but you might find some hidden discounts that many people don’t even know exist. Some discounts will apply when you quote, but some must be requested specifically before they will apply.
- Fewer Miles Equal More Savings – Fewer annual miles on your Toyota could qualify for lower auto insurance rates due to less chance of an accident.
- Onboard Data Collection – Drivers that enable companies to monitor when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they show good driving skills.
- Claim-Free Discount – Claim-free drivers can save substantially as compared to policyholders that have many claims.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident before your rates go up if you have no claims prior to being involved in the accident.
- Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
- Driver Training Discounts – Passing a defensive driver course is a good idea and can lower rates if your company offers it.
Don’t be surprised that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.
Insurance companies that may offer policyholders some of the above discounts include:
When comparing rates, check with each company the best way to save money. Some of the earlier mentioned discounts might not apply in Atlanta. For a list of providers offering auto insurance discounts in Atlanta, click here to view.
Insurance Price Influencing Factors
Many different elements are taken into consideration when pricing auto insurance. Some are pretty understandable such as your driving history, but others are not quite as obvious like your vehicle usage or how safe your car is. An important part of buying insurance is that you know the different types of things that help calculate the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that can help you get better insurance rates.
The factors shown below are a few of the “ingredients” used by your company to calculate your rates.
Male prices may be higher – Over the last 30 years, statistics show that females take fewer risks when driving. However, this does not mean men are worse drivers. Men and women cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get ticketed for serious violations like driving under the influence (DUI).
Eliminate add-on coverages – There are a ton of add-on coverages that can waste your money but may not be useful. Coverages like roadside assistance, death and dismemberment, and term life insurance are probably not needed. You may think they are a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
Lower rates for vehicles with better crash test results – Vehicles with high crash test scores get lower rates. Safe vehicles help reduce the chance of injuries in an accident and reduced instances of injuries translates into savings for insurance companies which can mean better rates for you. If the Toyota Matrix has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
Drive lots and pay more – The more you drive your Toyota in a year the more you’ll pay to insure it. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Autos not used for work or commuting cost less to insure than vehicles that are driven to work every day. It’s a smart idea to ensure your insurance policy states the right rating data. A policy that improperly rates your Matrix may be wasting your money.
Alarms and GPS tracking systems cut insurance rates – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms all hinder vehicle theft.
Driving citations can increase prices – Your driving record impacts your car insurance rates tremendously. Only having one speeding ticket can increase rates by as much as twenty percent. Drivers with clean records receive lower rates as compared to careless drivers. Drivers with careless violations like DUI or willful reckless driving may be required to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
Continuous insurance coverage lowers prices – Driving your car without having proper coverage can get you a ticket and insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, failure to provide proof of insurance could earn you a revoked license or a big fine. You could then be forced to prove you have insurance by filing a SR-22 with the Georgia department of motor vehicles.
Car insurance quotes from local neighborhood Atlanta car insurance agents
Certain consumers just prefer to get professional advice from a licensed agent and we recommend doing that A good thing about comparing insurance prices online is the fact that you can find better rates but still work with a licensed agent.
Upon completion of this quick form, the coverage information gets sent to local insurance agents in Atlanta who want to provide quotes for your business. It simplifies rate comparisons since you won’t have to find an agent on your own because prices are sent directly to you. You’ll get the best rates and a licensed agent to work with. If you have a need to get a rate quote from a specific company, just search and find their rate quote page and fill out the quote form the provide.
Deciding on a company requires you to look at more than just a cheap price quote. These are valid questions to ask:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Can they help ensure a fair claim settlement?
- How does the company pay claims for a total loss?
- Is there any savings for paying the full premium?
- Where would glass claims be handled in Atlanta?
Below are Atlanta insurance companies willing to provide rate quotes for Toyota Matrix insurance in Atlanta.
Dale Massey – State Farm Insurance Agent
4605 Roswell Rd NE – Atlanta, GA 30342 – (404) 257-8880 – View Map
Lindsay Mullen – State Farm Insurance Agent
2250 N Druid Hills Rd Ste 145 – Atlanta, GA 30329 – (404) 728-1000 – View Map
DeWayne Hrabowski – State Farm Insurance Agent
1120 Ralph David Abernathy Blvd SW #4 – Atlanta, GA 30310 – (404) 758-5400 – View Map
Ryan King – State Farm Insurance Agent
3355 Lenox Rd NE #230 – Atlanta, GA 30326 – (404) 816-3276 – View Map
Don’t assume everyone needs the same auto insurance coverage
When quoting and choosing coverage online or from an agent for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different.
Here are some questions about coverages that can help discover if your situation might need professional guidance.
- Is there coverage for injuries to my pets?
- How much can I save by bundling my policies?
- When can my company non-renew my policy?
- How much cheaper are high deductibles?
- Can I rate high risk drivers on liability-only vehicles?
- Who is covered by my policy?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
Don’t be fooled by advertising claims
Big name companies like Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. They all advertise claims of big savings if you switch your insurance coverage to their company. It sounds good, but how can they all have lower policy pricing? This is how they do it.
Most companies can use profiling for the type of driver that is profitable for them. An example of a profitable risk profile might be between the ages of 30 and 45, carries high limits, and insures a new vehicle. Any new insured that hits that “sweet spot” will get very good Atlanta rates and most likely will save money with a new company.
Insureds who cannot meet these stringent criteria may receive a more expensive rate which results in business going elsewhere. The ads say “customers who switch” not “all people who quote” will save that much if they switch. This is how companies can make those statements. Because every company is different, drivers must compare free Atlanta auto insurance quotes often. You cannot predict which insurance company will have better premium rates than you’re paying now.
A little work can save a LOT of money
In this article, we covered some good ideas how to save on Toyota Matrix insurance in Atlanta. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a small mutual company.
People who switch companies do it for a number of reasons such as unfair underwriting practices, delays in responding to claim requests, high prices or even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.
Discount Toyota Matrix insurance in Atlanta is attainable from both online companies and from local agencies, and you should compare rates from both so you have a total pricing picture. Some insurance companies do not provide internet price quotes and most of the time these regional carriers only sell coverage through local independent agencies.
More tips and info about auto insurance is located at these sites:
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for a Ford Escape in Atlanta? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers Over Age 60 in Atlanta? (FAQ)
- Who Has Cheap Car Insurance for High Mileage Drivers in Atlanta? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Shopping for a Safe Car (Insurance Information Institute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)