Baily Sandage, Author at Atlanta Insurance

How a Hit-and-Run Can Affect Your Car Insurance Rates

August 31, 2021 by Baily Sandage

Regardless of the state you live in, a hit-and-run is a serious matter. You might be charged with a crime or felony if a hit-and-run results in injury or death. In states like Georgia, it’s a crime not to stop or return to provide your information, for instance. You might face the following penalties, depending on the severity of your infraction;

Property damage: Misdemeanor and a $300 to $1,000 fine per violation
Death: A felony charge including imprisonment of two to five years
Injury: A $300 to $1,000 fine and possible imprisonment for one year

Why Are Auto Insurance Rates in Georgia Expensive?

August 24, 2021 by Baily Sandage

If you live in Georgia, you’re probably aware that the state has significantly high rates for auto insurance. It’s because the state has accident-prone highways and routes with a considerably high percentage of car crashes.

Georgia insurance companies have the right to increase premiums without seeking approval from the insurance commissioner of the state. This is the reason auto insurance rates in Georgia are relatively higher than in other states.

You may have to pay around $1,660 annually for full insurance coverage or $690 for minimum coverage for your car in Georgia. The national average for full coverage is no more than $1,500 per year. As the insurance cost increases, the charges of premium insurance also go up.

Plus, insured drivers have to share rising insurance costs. This increases insurance rates whenever an insurer renews your policy, regardless of individual factors, such as location or driving record.

Here, we’ve listed some reasons explaining why auto insurance increases annually in Georgia.

What Are The Penalties For Driving In Georgia Without Insurance?

August 17, 2021 by Baily Sandage

As a driver you want to be aware of the motor vehicle laws and regulations across the country. Not doing so can leave you with hefty fines or even jail time. The state of Georgia places emphasis on the importance of car insurance, and doesn’t let motorists drive without it.

Let’s talk about the car insurance laws in Georgia and the penalties of not having the minimum coverage.

There’s Certain Insurance Requirements To Follow if You Own a Motorcycle in Georgia

August 10, 2021 by Baily Sandage

If you live in Georgia and own a motorcycle, you must have an insurance policy to operate as a rider. The city imposes regulations to help you face financial losses you may experience in the event of an accident or crash. Motorcycle insurance is the best way to get financial security in any crash-related injury.

In fact, this is a necessary legal investment one should never overlook. To establish your motorcycle insurance in Georgia, buying traditional insurance via a reliable auto insurance company is the most viable option. However, you need to know the components your motorcycle insurance covers in Georgia.

If You Run a Business in Georgia, These Are the Types of Policies You Need

August 4, 2021 by Baily Sandage

If you’re an entrepreneur in Georgia, seeking insurance is mandatory to protect your business from different risks. Even if you run a business in a low-risk industry, the Peach State requires you to have some type of insurance policy.

If you’re looking for policies that can shield you from potential liabilities, you have come to the right place. Keep on reading to learn which policies can protect your company.

A Speeding Ticket in Georgia Can Raise Your Car Insurance by 26%

July 28, 2021 by Baily Sandage

According to the National Highway Traffic Safety, Georgia reported more than 9,378 fatalities in 2018 due to speeding. Note that speeding is typically a misdemeanor in the state of Georgia; however, there are strict rules and hefty fines involved for drivers who violate these rules.

Keep in mind that speeding tickets are something to be taken seriously as they impact your automobile insurance premium. That means if you get a ticket for speeding in Georgia, it will increase your car insurance cost by 26 percent on average.

Keep on reading to find out how speeding tickets impact your car insurance in Georgia.

5 Warning Signs to Look for When Filing a Claim

July 20, 2021 by Baily Sandage

Check out these helpful home insurance terms.

Let’s be real, the process of filing an insurance claim is lengthy, complex, and difficult. Even the most vigilant and mindful policyholders can end up overlooking crucial details that could impact the overall claim’s success. If you’re filing a business-related claim, it may include even more complications and you may need to pay a great deal of attention to different variables to protect your assets and brands.

That’s why professionals suggest owners of commercial or business properties work with a professional who specializes in insurance claims. Whether you want to file an insurance claim right after your property is damaged or decide to wait, only a professional can help you deal with the process.

Therefore, you should consider learning about a few red flags to navigate the claims process efficiently. Don’t fret if you have no idea how to go about it. Here we have listed some warning signs to look for when you file a claim.

Mercury Insurance Reduces Rates for Residents of Georgia

July 15, 2021 by Baily Sandage

Did you know that Mercury Insurance has reduced homeowner’s and auto insurance rates for its policyholders in Georgia by 5 percent?

The good news is that the reduction applies to all old and new customers from 25 June. The policy renewals begin August 14th and allows all Mercury policyholders to save an average of $149 annually on their auto insurance and $67 on their homeowner’s insurance.

According to the Product Manager of Mercury Insurance Georgia, Sarah Wang, the insurance organization is delighted to help their customers save money on their insurance. They aim to help coastal Georgia homeowners obtain the essential coverage to repair their houses from any perils or disasters such as windstorms.

Keep on reading to learn more about Mercury and how they reduced their rates for their policyholders in Georgia.

New Laws in Place for Teen Drivers in Georgia

July 8, 2021 by Baily Sandage

Teen drivers can obtain a driver’s license by law anywhere in the country at the age of 16. However, this rite of passage has three stages also known as the “Graduated Driver Licensing” program. The idea behind this program is to restrict the new young drivers and set higher experience and age requirements to get a license with full privileges.

How Much Is Your Car Insurance if You Live in Georgia?

July 1, 2021 by Baily Sandage

Did you know that drivers in Georgia pay approximately $1,982 for their car insurance and $755 for minimum coverage?

You may reduce this insurance coverage rate if you’re familiar with insurance quotes and where to find them. Saving a significant amount on vehicle insurance depends on where you buy it and how you utilize the best discounts.

Typically, the average insurance amount many drivers pay may vary from state to state. In Georgia, the average amount begins from $1,982 annually which is higher than the current national average $565. For minimum car coverage, car drivers need to pay $1,674 per year.

It is worth mentioning that, your car insurance depends on many factors regardless of the state you live in. If you’re a resident in Georgia and considering purchasing car insurance, here is what you need to know.