If you drive a car in Atlanta and don’t have auto insurance coverage, then you are setting yourself up for all kinds of problems—both legal and financial. If you do have insurance but aren’t sure if it’s adequate, then it’s time to do some shopping.
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If the idea of obtaining auto insurance in Atlanta overwhelms you, then you’ll be happy to know that getting good coverage isn’t nearly as complex as some make it sound. Here are three tips to get you started:
1. Do your research before you buy a car. If you’re in the market for a new car, then researching auto insurance rates before you commit to buy can save you a significant amount of money. Most Atlanta auto insurance agents will be more than happy to give you a preliminary quote if they know you are serious about purchasing insurance eventually.
Just be sure that you are getting quotes for the same level of coverage across your different auto choices. It does you little good to get a liability-only quote on a 5 year-old car and a full coverage quote on a brand new vehicle—of course the rates will be significantly different!
Once you understand how different makes, models, and features effect your auto insurance rate, you can make a purchasing decision that will save you money overall.
2. Ask your insurance agent for a list of discounts. Some Atlanta auto insurance companies will automatically apply whatever discounts you qualify for, while others won’t give you the discount unless you ask for it. Ask your agent if he or she will give you a list of all available auto insurance discounts that the company offers, then go through the list to see which might apply to you.
If you find a discount you think you may qualify for, ask your agent to apply it to your policy. You can save a great deal of money this way that you might otherwise not even realize you were missing.
3. Get multiple quotes from different companies. The key to getting the best rate on Atlanta auto insurance is to find competitive quotes. You can either opt to go with the company that offers the lowest rate, or you can take your quotes to your preferred provider.
Sometimes, especially if you are a loyal customer, you may be able to get a lower rate if you present your company with the lower quote and simply ask for a match. Your preferred company may not be able to give an exact match, but they may be able to get close enough to make it worth your while to remain a customer. It all boils down to: you’ll never know if you don’t ask.