Alpharetta, GA Car Insurance

How to find the right policy the first time

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Alpharetta Georgia car insurance

Alpharetta, GA is known for its schools and technology. It's home to many innovative companies and some of the best education in the state.

If you drive in Alpharetta, where the population sits at 65,799, then you'll want coverage. An independent insurance agent can help find the policy to suit your needs. You can connect with a local expert in minutes. 

Local Crime in Alpharetta, GA and Your Car Insurance Rates

Whether you drive a compact car or a truck with a trailer, local crime will play a part in your premiums. Carriers look at theft activity to determine the  associated risks. The best way to offset your costs is to bundle. 

Average theft rates:

  • National rate per 100,000 vehicles: 228.90
  • Georgia rate per 100,000 vehicles: 235.40
  • Alpharetta rate per 100,000 vehicles: 61.10

You won't know for sure how the theft rate will impact your insurance pricing. To save big, consider bundling your auto and home insurance with the same carrier. This will discount your coverage 30% or more. Contact an Alpharetta independent agent for further details. 

Alpharetta, GA Requirements Might Not Be Enough Coverage

Car Insurance in Alpharetta, GA is mandated. Like worker's compensation insurance, your auto policy needs to have specific liability limits according to law. An agent can help show you which coverages may need to be increased to have proper protection. Take a look at Georgia's requirements:

  • Minimum liability limits of $25,000 per person
  • Minimum liability limits of $50,000 per accident
  • Minimum liability limits of $25,000 property damage

Georgia does not require uninsured/underinsured motorist insurance, or UM/UIM, which is another form of liability insurance. This means that without it, you could be at a loss when involved in an accident with an uninsured driver. UM/UIM will pay for your expenses that could arise when the other party is without coverage. Connect with an Alpharetta independent agent to discuss your limits of liability. 


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Why Your Alpharetta Car Policy May Not Have the Coverage You Think

Your auto insurance will carry liability coverage automatically, and that's pretty much it. When you want protection for your vehicles themselves, you'll need to add it. An agent can help you decide which options make sense. Let's take a look at additional coverage choices:

  • Collision: This will pay for the damage to your car when an at-fault accident with another vehicle or property occurs.
  • Gap: Pays for the remaining balance on your car loan if there is a difference in value when a total loss occurs.
  • Comprehensive: Pays for property damage to your vehicle should you hit an unavoidable object or animal.
  • Towing: Will pay for the tow of a scheduled auto.
  • Rental vehicle: Pays for a rental car while a covered auto is repaired or replaced due to a loss.

Since optional coverages are not mandatory, you'll want to do a policy review with an agent. They can advise you about which insurance options apply. Connect with a local independent agent to go over your policies today. 

Is Your Alpharetta, GA Liability Coverage Adequate?

Expenses from a car accident can get big fast. The best way to make sure you have adequate protection is to review your policy needs with an independent agent. There are a couple of items you'll want to take note of when speaking with your adviser: 

  1. Ask your agent if you need to increase your current auto liability limits.
  2. Ask your agent about getting an umbrella policy.

Umbrella insurance explained:

Umbrella insurance will apply when your underlying auto policy limits have been exhausted. Generally, your primary coverage limits need to be $500,000 or more to qualify for an umbrella policy. Contact an independent agent in Alpharetta to get started.

How an Independent Insurance Agent Can Save You Money in Alpharetta, GA

When you work with an independent insurance agent, you'll save premium and time. They have access to several carriers, finding you the best policy at an affordable price. 

Since they work for free, you can sit back and let someone else do the shopping for you. Go to TrustedChoice to get matched with a local expert today. 

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