5 Discounts Kennesaw Drivers Overlook when Quoting Auto Insurance on the Web

Are you tired of robbing Peter to pay Paul to insure your vehicles every month? You are no different than many other drivers in Georgia. You have multiple car insurance companies to buy insurance from, and though it is a good thing to have a choice, so many choices can make it hard to find the best rates.

It’s a great practice to price shop coverage every six months since rates change quite often. Just because you found the best price a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the right way to get good coverage at a lower rate.

Buying car insurance in Kennesaw is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Georgia drivers only need to know the most efficient way to shop on the web.

How to Get Kennesaw Auto Insurance Comparison Quotes

Most major insurance companies quote price estimates on the web. Obtaining pricing is fairly simple as you simply enter your personal and coverage information as requested by the quote form. Behind the scenes, their rating system sends out for your driving and credit reports and returns a price based on these and other factors. This makes it a lot easier to compare rates but the work required to visit several different sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to perform this step if you want to find the lowest auto insurance rates.

A more efficient way to locate the lowest prices uses one form that gets price quotes from a lot of companies. The form is fast, requires much less work on your part, and makes online shopping a lot less work. Immediately after you send the form, your coverage is rated and you are able to buy your choice of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out what other companies charge, click here to open in new window and submit the form. If you have a policy now, it’s recommended you copy the limits and deductibles just like they are on your policy. This guarantees you are getting rate comparison quotes based on identical coverages.

Policy discounts you shouldn’t miss

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known auto insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

• Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
• Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
• Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home shows financial diligence.
• Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
• No Charge for an Accident – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.

It’s important to note that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.

To see a list of companies offering auto insurance discounts in Kennesaw, follow this link.

Buying auto insurance from a local agent

Certain consumers would rather buy from a licensed agent and that is just fine! Professional agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing insurance prices online is you may find the lowest rates but also keep your business local.

To help locate an agent, after submitting this form (opens in new window), your insurance data is sent to insurance agents in Kennesaw who will return price quotes for your coverage. You won’t need to leave your house as quotes are delivered immediately to your email address. How cool is that?!

Selecting an insurance company shouldn’t rely on just the price. These are valid questions to ask:

• Are there any discounts that you might be missing?
• How long have they worked with personal auto insurance coverage?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
• Are they able to influence company decisions when a claim is filed?

Different types of auto insurance agents in Kennesaw

If you’re trying to find a local agent, there are two different agency structures from which to choose. Insurance agencies in Kennesaw can either be captive or independent (non-captive). While both can do a good job, but it’s worth learning the difference between them since it can impact the selection process.

Captive Insurance Agents

Captive agencies work for only one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. They are well schooled on the products they sell which helps them compete with independent agents.

Shown below is a list of captive insurance agents in Kennesaw that are able to give price quotes.

Liberty Mutual Insurance – 3161 Cobb Pkwy NW # 130 – Kennesaw, GA 30152 – (770) 974-0272
State Farm Insurance – 4200 Wade Green Rd NW # 6 – Kennesaw, GA 30144 – (770) 426-8121
Allstate Insurance – 840 Barrett Pkwy # 300 – Kennesaw, GA 30144 – (770) 422-8210

Independent Insurance Agents

Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent. When comparing rates, it’s recommended you contact at least one independent agent to have the most options to choose from.

Shown below is a list of independent agents in Kennesaw willing to provide rate quotes.

Able Dean and Moore Insurance – 1301 Shiloh Rd NW # 310 – Kennesaw, GA 30144 – (770) 425-0227
Bill Hembree Agency – 1301 Shiloh Rd NW # 820 – Kennesaw, GA 30144 – (678) 290-5500
Republic Mortgage Insurance Co – 1825 Barrett Lakes Bl NW # 540 – Kennesaw, GA 30144 – (770) 424-4347
Dickerson Agency – 3185 Cherokee St NW – Kennesaw, GA 30144 – (770) 424-6762
Clifford Agency – 1301 Shiloh Rd NW – Kennesaw, GA 30144 – (770) 590-7975

To view a full list of licensed insurance agents in Kennesaw, simply jump to this page.

After getting acceptable answers in addition to an acceptable price estimate, chances are good that you have found an insurance agent that can provide auto insurance coverage.

More detailed Georgia auto insurance information can be read at the Georgia Insurance and Safety Fire Commissioner website. Visitors are able to learn about specific coverages, report car insurance fraud, learn about insurance regulations, and find out industry alerts.

Other informative sites include Wikipedia and QuoteClickSave.com.

Specific coverages

Knowing the specifics of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages available from auto insurance companies.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, falling objects, damage from getting keyed and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your vehicle.

Because many people carry very low liability coverage limits (25/50/25 in Georgia), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for surgery, pain medications and nursing services. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability insurance provides protection from damage that occurs to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles, structural damage and bail bonds. The amount of liability coverage you purchase is up to you, but buy higher limits if possible. Georgia requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying more coverage.

Collision protection

This pays for damage to your vehicle resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Final thoughts

You just learned many ideas to lower your auto insurance rates. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the best prices are with a small local company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. Too many times, an insured cut comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.