Consumer Information for Researching an Atlanta Insurance Agent

When shopping for car insurance, finding the best Georgia auto insurance agent takes more work than just randomly choosing from the yellow pages. It’s likely you’re not only searching for a professional licensed agent, but you also need the best rates possible.

With companies like American Family, Allstate, State Farm and Farmers all competing for business in Atlanta, consumers have a hard time knowing which will give you the best service and rates. To begin, consumers can get online quotes in order to build a list of insurance agents to choose from.

Save time by quoting online

Agents can point out coverage gaps and help in the event of a claim. The biggest benefit of getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to. And providing support for local insurance agencies is definitely important in Atlanta.

Once you complete this short form, your information is emailed to participating agents in Atlanta who will compete for your coverage. You don’t have to leave your house due to the fact that quote results will go to your email. How cool is that?! It’s the lowest rates and a licensed agent to work with.

Do you need an independent or captive insurance agency?

When looking for a reliable agent, there are a couple of types of agencies that you can select. Insurance agencies in Atlanta can either be captive or independent (non-captive).

Independent Agents

Independent agencies are not employed by any specific company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, it’s a good idea to get quotes from several independent insurance agents for maximum quote selection.

Shown below is a short list of independent insurance agents in Atlanta who can help you get comparison quotes.

Standard Equity Agency – 5901 Peachtree Dunwdy Rd # C – Atlanta, GA 30328 – (770) 394-3700
Action Auto Agency – 2555 Bolton Rd NW – Atlanta, GA 30318 – (404) 581-9922
All Lines Insurance – 590 Cascade Ave SW # 8 – Atlanta, GA 30310 – (404) 753-0880
Institutional Insurance Mgrs – 6055 Barfield Rd NE # 101 – Atlanta, GA 30328 – (404) 255-6933
Richard Deets Agency – 1900 Emery St NW # 425 – Atlanta, GA 30318 – (404) 352-0824

Agency Captives

This type of agents can only write with one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. These agents are usually quite knowledgeable on their company’s products which can be an advantage.

Below are captive agents in Atlanta that can give you price quotes.

Allstate Insurance – 2036 Johnson Ferry Rd NE # C – Atlanta, GA 30319 – (770) 458-9939
Liberty Mutual Insurance – 3695 Cascade Rd SW # J – Atlanta, GA 30331 – (404) 691-8662
State Farm Insurance – 5005 Peachtree Rd # 870 – Atlanta, GA 30341 – (770) 242-4070

For a full directory of captive insurance agents in Atlanta, visit this site.

Choosing an insurance agent needs to be determined by more than just the premium amount. Some important questions to ask are:

  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Is working in the agency their full-time job?
  • Who are their largest clients?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Who is covered by the car insurance policy?

Once you have received acceptable answers for all questions you ask and a good coverage price, you have narrowed it down to a car insurance agent that can properly insure your vehicles.

What about online companies that don’t sell through insurance agents?

Insurance agencies can be invaluable at times, but you also have the option of buying Georgia car insurance direct from companies online. Even companies like Allstate and State Farm that are more known for using agents, also allow consumers to get quotes and purchase online, and consumers should do that.

If you’re apprehensive about selecting your own policy coverages when buying online, don’t let it bother you. Auto insurance companies provide options for getting the best coverage. They also offer anytime access to help and a customer research section to help you answer questions.

Is car insurance cheaper online? It’s difficult to provide an answer because there are a lot of things which can raise or lower premium rates. Many people think that shopping direct saves money because there is no commission. For most companies selling online, however, advertising budgets are huge so rates may not be all that different from traditional agents.

Smart shoppers get results

When you buy insurance online, never buy less coverage just to save a little money. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that it was a big mistake. Your focus should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Atlanta Georgia insurance agencies

Affordable car insurance can be found online and also from your neighborhood Atlanta agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

To learn more about car insurance in Georgia

Additional information is located on the website for the Georgia Insurance and Safety Fire Commissioner through this link. Georgia drivers can view a list of available companies, find out which companies have the most complaints, find out industry alerts, and view agent and company licensing information.

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