Alpharetta, GA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Alpharetta, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
What Does it Cost to Insure Your Car in Alpharetta, GA
The average cost of car insurance in Alpharetta is $1787. Auto Insurance quotes vary widely based on individual rating factors which are explored more thoroughly by Zimlon below. The cheapest type of auto insurance that a person can have varies depending on their age and location when purchasing it as well as other various different requirements set forth by state law or any company they may be buying from with a range of rates.
Check out the factors and related discounts available in Alpharetta in detail given below.
Multi Car Insurance Rates
Car owners in Alpharetta can save money on insurance by bundling coverage from the same provider. Bundled rates are lower because one company is handling your policies and claims instead of multiple companies.The average savings one can get are as follows;
Based on age age of the driver
The insurance rates for teenagers and young drivers are inflated because they are seen as more irresponsible behind the wheel. In Alpharetta, teens pay a higher average of $5799 in auto insurance costs than older adults aged 30-40 years old who only spend an average of $1769 and $1702 respectively. Alpharetta car owners can get cheaper insurance rates by comparing age of driver-based policies and taking advantage of discounts like good student/driver discount or defensive driving.
Based on credit score
Car insurance can be cheaper for car owners who have excellent credit scores and clean driving records. Zimlon's research found that in Alpharetta if you are an "excellent" driver with a score of 800, your average annual premium is $1533 but when you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, then your premiums will shoot up by 100%. In other words, car owners with good credit scores pay less premium whereas car owners with poor credit scores pay upto $2915 as their premium.
Based on security features
Cars that are equipped with safety devices not only protect the vehicle and passengers but can also save money.Car insurance companies will provide discounts to guardians of the road who install as many protective measures on their vehicles. The cost savings vary depending on which type or number of protective features have been installed. Zimlon’s research found that car owners in Alpharetta can reduce their auto insurance costs to $1662 by installing passive disabling devices. Installing features like an audible alarm or an active disabling device can also reduce the insurance costs to $1716 in Alpharetta. Average Insurance cost for cars with active tracking devices is $1680.
Factors that can influence the cost of car insurance in Alpharetta, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Alpharetta, GA Auto Insurance Rates
- Alpharetta, GA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alpharetta, GA
- Multi Vehicle Insurance Savings in Alpharetta, GA
- How Credit Score Affects Car Insurance Rates in Alpharetta, GA
- How DUI Affects Auto Insurance Premiums in Alpharetta, GA
- Top Auto Insurance Agents Near Alpharetta, GA
- How Driving Violations Affect Auto Insurance Rates in Alpharetta, GA
- Alpharetta, GA Auto Insurance Discounts on Anti Theft Feature
- Alpharetta, GA Auto Insurance Company Reviews
Alpharetta, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Alpharetta, GA with that of other cities in and around Alpharetta.
|Average Insurance Rates||$1,787||$1,864||$1,690||$1,829||$1,861||$1,997|
Alpharetta, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Alpharetta, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Alpharetta, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Alpharetta, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Alpharetta, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Alpharetta, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$465
Savings on 3 Vehicles bundle:$697
Savings on 4 Vehicles bundle:$929
Alpharetta, GA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Alpharetta, GA.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Alpharetta, GA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Alpharetta, GA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Dave Harden||State Farm||5950 Bethelview Rd Ste 100, Cumming, 30040-6385||770-889-2138|
|Mcvicker And Associates Inc.||Allstate||2000 Abbey Ct, Alpharetta, 30004||(404) 667-4106|
|Ryan Bishoff||State Farm||3855 Shallowford Rd Ste 320, Marietta, 30062-4196||678-551-7920|
|Ryan Harwood||Allstate||695 Mansell Rd Ste 230, Roswell, 30076||(770) 203-0803|
|Scott Ralston||State Farm||415 Marietta Hwy, Roswell, 30075-4705||770-640-1000|
|Calvin Dubose||State Farm||244 N Main St, Alpharetta, 30009-3625||770-475-0101|
|National Surety Services, Inc.||None||1534 Village Pkwy 1534 Village Pkwy Atlanta, Dunwoody, 30338||None|
|Larry Horne||State Farm||6955 McGinnis Ferry Rd Ste 111, Johns Creek, 30097-3521||770-476-1313|
|Qbe First||Travelers||4450 RIVER GREEN PARKWAY SUITE 100-A, DULUTH, 30096||800-842-5075|
|Harrington Insurance Agency, Inc.||None||39 S Peachtree St, Norcross, 30071||None|
|Bo Whitley And Assoc Inc||Travelers||11205 ALPHARETTA HWY STE A-8, ROSWELL, 30076||770-475-7777|
|Downs & Associates||None||1867 Independence Sq Ste 200 , Atlanta, 30338||None|
Alpharetta, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$79||$1,866|
|Driver's Failure In Showing Documents||+$173||$1,960|
|Driving With An Expired Registration||+$184||$1,971|
|Driving At A Considerably Slow Pace||+$388||$2,175|
|Using A Cellphone While Driving||+$409||$2,196|
|Running A Red Light||+$416||$2,203|
|Driving A Vehicle Without The Required Permission||+$556||$2,343|
|Driving With An Expired/Suspended License||+$1,204||$2,991|
Alpharetta, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,716|
|Passive Disabling Device||$1,662|
Latest Auto Insurance Reviews in Alpharetta, GA | Back to Top
I love there insurance customer services. Customer Services is number one along with everything else they offer. State Farm Hats Off to yall continue to be number one.
the agent often calls us to see if they can reduce our payments (low mileage discount, safe driver discounts). I am glad that they keep me aware of options.
My deductible is not any higher than any of the other companies which is why i went with this company. I was not loosing anything by going to them.