Are you at wits end from scraping nickels together to make your car insurance payment? You are in the same boat as the majority of other vehicle owners in Georgia.
Amazingly, a recent NerdWallet.com study showed that a large majority of consumers have bought car insurance from the same company for a minimum of four years, and almost half have never compared quotes from other companies. U.S. drivers can cut their rates by $859 a year just by getting comparison quotes, but most just don't grasp the large savings they would see if they swap their current policy for a cheaper one. Vehicle owners have so many insurance companies to choose from, and even though it's nice to have multiple companies, more choices can make it harder to get the best deal for Porsche Panamera insurance in Atlanta.
Atlanta auto insurance discounts
Insuring your vehicles can cost a lot, but you can get discounts that may help make it more affordable. Many of these discounts will be applied automatically at quote time, but less common discounts must be requested specifically before you will receive the discount.
- Distant College Student Discount - College-age children living away from Atlanta attending college and won't have access to an insured vehicle can receive lower rates.
- Multi-line Discount - Some companies give a lower price if you buy life insurance from them.
- Pay Early and Save - If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
- Driver Safety - Taking a driver safety class could save 5% or more and also improve your driving technique.
- No Accidents - Drivers who don't have accidents pay less in comparison to accident-prone drivers.
- Seat Belt Usage - Forcing all vehicle occupants to wear their seat belts can save 10% or more off the PIP or medical payment premium.
- Theft Deterrent System - Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more on Panamera insurance in Atlanta.
- Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
One last thing about discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it appears adding up those discounts means a free policy, it's just not the way it works. Any qualifying discounts should help reduce the cost of coverage.
If you would like to see a list of auto insurance companies that have a full spectrum of discounts in Georgia, click this link.
How to compare free Atlanta Porsche Panamera insurance quotes
All the larger auto insurance companies like 21st Century, Allstate and State Farm allow consumers to get price estimates from their websites. This process is fairly simple as you simply type in the coverage amounts you desire into a form. After you submit the form their rating system automatically orders information on your driving record and credit history and returns pricing information based on many factors. This streamlines rate comparisons, and it's very important to do this in order to get lower-cost rates.
To quickly compare rates using this form now, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you copy deductibles and limits as close as possible to your current policy. This way, you will be getting rate quotes based on the exact same insurance coverage.
The companies shown below are our best choices to provide free quotes in Georgia. If multiple companies are listed, it's a good idea that you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Panamera S 4-Dr Hatchback||$342||$664||$378||$22||$114||$1,520||$127|
|Panamera 4S AWD 4-Dr Hatchback||$486||$1052||$532||$32||$158||$2,260||$188|
|Panamera Turbo AWD 4-Dr Hatchback||$328||$766||$444||$26||$134||$1,698||$142|
|Get Your Own Custom Quote Go|
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter coverage rates greatly.
Does it make sense to buy full coverage?
The chart below visualizes the comparison of Porsche Panamera yearly insurance costs with liability coverage only compared to full coverage. The costs are based on a clean driving record, no claims, $100 deductibles, married male driver, and no policy discounts are applied.
When to drop comprehensive and collision coverage
There is no clear-cut rule of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let's assume your Porsche Panamera replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying the physical damage deductible. If it's costing in excess of $800 a year for full coverage, then you may want to consider only buying liability coverage.
There are a few cases where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Violations and accidents raise rates
The information below demonstrates how speeding tickets and at-fault collisions drive up Porsche Panamera auto insurance rates for each age group. The data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Males versus Females
The diagram below illustrates the comparison of Porsche Panamera insurance prices for male and female drivers. The data is based on no violations or accidents, full coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.
There's no such thing as the perfect car insurance policy
Always remember that when buying adequate coverage, there really isn't a single plan that fits everyone. Every insured's situation is different.
These are some specific questions could help you determine if your situation would benefit from an agent's advice.
- Should I have combined single limit or split liability limits?
- I have health insurance so do I need medical payments coverage?
- Is my Porsche Panamera covered if I use it for business?
- Is my camper covered by my car insurance policy?
- Is my cargo covered for damage or theft?
- Am I covered if I wreck a rental car?
- Can I make deliveries for my home business?
- How much can I save by bundling my policies?
- Is my custom stereo system covered?
- What is the rate difference between pleasure use and commuting?
If you're not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It's fast, doesn't cost anything and can provide invaluable advice.
Shop online but buy locally
A small number of people would rather sit down and talk to an agent. Professional insurance agents can help you build your policy and give you someone to call. One of the great benefits of comparing rate quotes online is the fact that drivers can get lower rates and still have a local agent.
To help locate an agent, after submitting this simple form, your insurance coverage information is emailed to local insurance agents in Atlanta who will return price quotes to get your business. You don't have to drive around as quotes are delivered to you instantly. In the event you want to get a comparison quote from a specific insurance company, you can always jump over to their website and fill out their quote form.
Finding a good provider requires you to look at more than just a cheap price. Here are some questions to ask:
- Do you work with a CSR or direct with the agent?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they make recommendations based only on price?
- Which insurance company do they prefer to write with?
- Do they offer accident forgiveness?
If you want a reputable agency, it's important to understand the different agency structures and how they differ in how they can insure your vehicles. Insurance agencies in Atlanta can either be exclusive or independent (non-exclusive). Either type can do a good job, but it's important to point out why they differ because it may have an impact on the selection process.
Exclusive insurance agents can only quote rates from one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agencies are well schooled on what they offer and that enables them to sell even at higher rates.
The following are Atlanta exclusive insurance agencies that are able to give comparison quotes.
Independent Insurance Agencies
Agents that choose to be independent are not employed by one company so they have the ability to put coverage with an assortment of companies and find the cheapest rate. If you want to switch companies, the agent simply finds a different carrier without you having to go to a different agency.
If you need lower rates, it's recommended you include rate quotes from several independent insurance agents in order to compare the most rates.
The following are Atlanta independent insurance agencies who can help you get price quotes.
Access General Agency Inc
1627 Peachtree St NE - Atlanta, GA 30309 - (404) 817-9744 - View Map
Once you have received acceptable answers and locked in a price quote, it's a good possibility that you have found an insurance agency that is reliable enough to service your policy. Just keep in mind it's your coverage and you can cancel your policy whenever you wish so don't feel that you are permanently stuck with a specific agent for any length of time.
Affordable coverage is out there
Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, unfair underwriting practices, questionable increases in premium and high rates after DUI convictions. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
When you buy Atlanta car insurance online, it's not a good idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the best cost while still protecting your assets.
Low-cost Porsche Panamera insurance in Atlanta can be found both online and from local agencies, so you should compare both to have the best rate selection. Some insurance companies may not offer the ability to get quotes online and many times these regional carriers only sell coverage through local independent agents.
Even more information can be read in the articles below:
- Tread Depth and Tire Safety (State Farm)
- Who Has Cheap Auto Insurance for a Toyota Camry in Georgia? (FAQ)
- Who Has the Cheapest Georgia Auto Insurance Quotes for a Chevrolet Cruze? (FAQ)
- How Much is Georgia Auto Insurance for a Honda CR-V? (FAQ)
- Who Has Cheap Georgia Car Insurance Quotes for Teachers? (FAQ)
- What is the Cheapest Car Insurance in Sandy Springs, Georgia? (FAQ)
- How Much are Car Insurance Rates for Drivers Under 25 in Georgia? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)