How To Get The Best Rate On Your Auto Insurance In Georgia

When it comes to auto insurance in Georgia, everyone wants to make sure they're getting the best rate and not overpaying. With the rise in liability claims in Georgia over the last decade, that has become increasingly harder to accomplish. Lucky for you, we've outlined a few things you can do to make sure you're getting the very best rate on your auto insurance without sacrificing coverage:

#1: Work With An Independent Agent

• Working with an independent agent allows you to work with a professional advisor that isn't trying to push a specific product or company on you. Independent insurance agents, in many cases, have access to dozens and dozens of carriers that make up 60-70% of the total insurance market share in your area. Instead of spending precious time and countless hours shopping your insurance online or by calling dozens of different carriers or agencies directly, you can call one agent or agency that can shop around for you and find the overall best value for your situation. 
• Independent insurance agents have access to many of the "big name" national carriers as well as very highly rated regional carriers:
  • Nationwide
  • Travelers
  • Progressive
  • Liberty Mutual/Safeco
  • The Hartford
  • Auto-Owners
  • Allstate
  • And More

---

Get A Quote Today

#2: Take Advantage Of The Multi-Policy Discount

• So many clients come to us with their insurance spread over different companies. Sometimes, there is a good reason for doing this. But for 90% of Georgia drivers, you're going to be paying considerably more if you're not bundling your auto and home insurance with one company. On the independent side, we even have carriers that offer a discount for just having your home and auto insurance with the same independent insurance agency. It's a no-brainer and one of the best and easiest ways you can save on your auto insurance in Georgia. 

​
#3: Telematics Discounts

• These days, almost every insurance company has some form of a telematics discount that they offer. What is telematics? A telematics discount is a program where you download an app on your phone and the app tracks your data (mileage and driving habits). Most programs will offer increased savings for good driving and/or low miles. For instance, you get 10% savings just by participating. However, that discount can increase to as high as 30% based on your mileage and driving. 
• Some carriers even offer "pay as you go" options. This is very similar but you actually get charged each month by the amount you drive. 

#4: Pay In Full Discount

• Most insurance companies offer some version of a pay in full discount. Instead of paying monthly, you can pay for everything "in full" at the beginning of your policy and receive additional savings. This is more significant with certain carriers versus others. Some carriers will give you up to 10% savings just by paying early. 

#5: Electronic Document Delivery Discount

• Instead of filling your home up with more paperwork and documents, wouldn't you like to save a few hundred dollars per year and just have access to everything online? And if you really needed a physical copy for some reason, you could just print it off it home or have your agent or insurance company send you a copy in the mail? 

These are just a few of the things you can do to save money on your auto insurance premium in Georgia. If you aren't currently working with an independent insurance agent that you like, we would love to earn your business at the Roberts Insurance Group!

​You can give us a call at 678-250-8133 or click below and we'll get to work on saving you money on your auto insurance today!

Get Auto Quote Today