Auto Insurance in Duluth – 6 Discounts to Save Money

Overpriced auto insurance can empty your checking account, especially in this economy. Comparing price quotes is a smart way to cut your insurance bill. Numerous car insurance companies battle for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the cheapest price

Comprehensive Duluth Auto Insurance Comparison Quotes

Most companies allow you to get coverage prices directly from their websites. Getting online quotes is quite easy as you simply enter your coverage information as detailed in the form. When complete, the company’s rating system makes automated requests for your driving record and credit report and quotes a price. Quoting online makes comparing rates easy, but the time required to go to several different sites and complete many quote forms gets old quite quickly. Unfortunately, it is important to perform this step in order to find the best price on auto insurance.

Isn’t there an easier way to compare rates?

The easiest way to find cheaper rates uses one form that analyzes rates from a lot of companies. The form is fast, requires much less work on your part, and makes price shopping online much simpler. After your information is entered, your coverage is rated with multiple companies and you can pick any or none of the resulting price quotes. If you find a better price you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.

If you want to get comparison pricing now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you input the insurance coverages as close as possible to your current policy. This makes sure you will have comparison quotes using the exact same coverages.

Save $404 a year. For real?

Consumers constantly see and hear ads for the lowest price auto insurance by companies like State Farm and Allstate. All the companies make an identical promise of big savings if you switch to them.

How does each company make the same claim?

Different companies have a certain “appetite” for the right customer they prefer to insure. For example, a profitable customer might be profiled as a mature driver, owns a home, and has great credit. Any driver who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t qualify for these standards will be charged a more expensive rate and this can result in the customer not buying. The ad wording is “people who switch” not “people who quote” save that much. That is how companies can truthfully claim big savings. That is why you absolutely need to compare many company’s rates. It’s impossible to know which insurance companies will fit your personal profile best.

More discounts equal less premium

Companies offering auto insurance do not list all their discounts very well, so we researched some of the best known as well as the least known savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • No Claims – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Low Mileage – Fewer annual miles can earn a substantially lower rate.
  • Sign Online – A few companies may give you up to $50 for buying your policy online.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than less cautious drivers.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To choose providers offering auto insurance discounts in Georgia, click here.

Online quotes with a local Duluth insurance agent

Some consumers just want to talk to a local agent and that is a personal choice. Agents can help determine the best coverages and give you peace of mind. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent.

Once you complete this simple form, the coverage information is immediately sent to insurance agents in Duluth who will battle for your coverage. You don’t have to leave your computer as quotes are delivered straight to your inbox.

Selecting an insurance company shouldn’t rely on just the premium amount. Any agent should have no problem answering these questions:

  • Do the companies they represent have a solid financial rating?
  • Is the agency involved in supporting local community causes?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • What insurance companies do they recommend if they are an independent agent?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Does the agency have a good rating with the Better Business Bureau?

Types of insurance agents in Duluth

When looking for a reputable insurance agent or broker, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents are categorized either captive or independent (non-captive). Both types can properly insure your vehicles, but it’s good to learn how they differ because it can impact buying decisions.

Captive Insurance Agents

Captive agencies can only place business with one company such as American Family, Liberty Mutual and AAA. They generally cannot provide prices from multiple companies so they have to upsell other benefits. Captive agencies receive extensive training on the products they sell which can be an advantage.

Below are Duluth captive insurance agencies willing to provide price quotes.

Allstate Insurance Co – 9775 Medlock Bridge Rd – Duluth, GA 30097 – (770) 622-9697
State Farm Insurance – 3195 Buford Hwy # 2 – Duluth, GA 30096 – (770) 476-4121
Liberty Mutual Insurance – 3235 Satellite Blvd – Duluth, GA 30096 – (770) 814-8484

Independent Agents

Independent agencies are not locked into one company but rather can write business with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally without you having to go to a different agency. When searching for an agent, it’s recommended you contact at least one independent agent to get the best comparison.

The following are independent insurance agents in Duluth that are able to give price quotes.

CNA Insurance – 3175 Satellite Blvd – Duluth, GA 30096 – (678) 473-3700
Gabe Gomez Agency – 3665 Club Dr # 108 – Duluth, GA 30096 – (770) 931-0692
Gibson Agency – 9810 Medlock Bridge Rd # B201 – Duluth, GA 30097 – (770) 623-3515
Safeco Insurance – 2055 Sugarloaf Cir – Duluth, GA 30097 – (678) 417-3000
Robert Gonzalez Agency Inc – 2800 Peachtree Industrial Blvd – Duluth, GA 30097 – (678) 720-0240

For a complete listing of Duluth insurance agents, visit this site.

After receiving answers to your satisfaction to all your questions and an acceptable price quote, chances are good that you have found an insurance agency that is a good match to properly insure your vehicles. Keep in mind policyholders can cancel a policy at any time so never assume you are locked into a specific agent with no way out.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

  • How high should my uninsured/underinsured coverage be in Georgia?
  • Does having multiple vehicles earn me a discount?
  • Who is covered when they drive my vehicle?
  • When would I need additional glass coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Why does it cost so much to insure a teen driver in Duluth?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

More tips and info about auto insurance can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to read consumer alerts, download brochures, and get help finding coverage.

More related Duluth auto insurance information:

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by auto insurance companies.

Liability – Liability insurance will cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as repair costs for stationary objects, emergency aid, court costs, medical services and structural damage. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible. Georgia state law requires minimum liability limits of 25,000/50,000/25,000 but it’s recommended drivers buy higher limits.

Comprehensive auto insurance – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane, a broken windshield, vandalism and damage from flooding. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – This pays for damage to your vehicle resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like rolling your car, colliding with a tree, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for bills for things like chiropractic care, dental work and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your vehicle.

Due to the fact that many Georgia drivers only purchase the least amount of liability that is required (Georgia limits are 25/50/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Quote often and quote early

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There have been many situations where someone dropped uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at the best price.

We’ve covered many tips how you can compare auto insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier. These companies can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.