What is Atlanta mobile home insurance?

Atlanta mobile home insurance

Atlanta mobile home insurance

Having a mobile home means that it’s a good idea to get Atlanta mobile home insurance. But you might be wondering what mobile home insurance does and how it can protect you. We’ll go over some of the essentials about the coverage. And while you’re at it, we’ll explain how you can get quotes.

What does mobile home insurance do?

If you get mobile home insurance, your policy may include coverage for:

  • The mobile home
  • Attached patio or deck
  • Storage shed
  • Clothes
  • Appliances
  • Entertainment equipment
  • Personal possessions

A mobile home insurance policy can provide coverage for your home – it’s not like a regular home insurance policy because it’s designed to cover your specific risks. (You may even be able to add coverages to your policy – we’ll get into that in a second.) The policy may do the following:

  • Protect improvements
  • Cover the loss of use of your mobile home
  • Cover the actual structure of the mobile home and other structures that are on your premises from losses like fire, windstorm damage, falling objects, lightning, and explosions.
  • Protect your personal property, such as electronics, bicycles, furniture, and clothes
  • Cover your liability, meaning it can help you if someone is injured on your property. It can pay for the medical expenses if a non-resident is injured, and it can help cover damages/defense costs if there’s an accidental covered incident.

Of course, it’s really important to read through the policy thoroughly to see what is and isn’t covered. Asking questions about things you might wonder about or need some further clarification on is never a bad idea.

Additional coverages.

You may want to consider adding some coverages to your mobile home insurance. You might be able to get the following coverages added to your policy:

  • Emergency removal – This can pay for the moving of your mobile home to another place if you’re in the path of a disaster (like a fire or tornado)
  • Trip collision – This coverage can provide protection for when you’re moving the mobile home to a new permanent location
  • Worldwide coverage – Protect your belongings if they’re stolen or damaged when traveling to another permanent location
  • Fire department charges – This can give reimbursement for the charges if your mobile home is in a place that isn’t serviced by a fire department
  • Extended coverage – This can cover valuables or give extended coverage for electronics
  • Water backup – Can protect against damage that results from water backup through the sewer, drain, or sump pump
  • Additional dwelling rented to others
  • Identity theft insurance

So, those are some of the basics of mobile home insurance. It’s intended to protect the unique risks that a mobile home faces. But, as we mentioned earlier, there’s no understating the importance of reading your policy carefully. (Make sure you know what is and isn’t covered by your policy so you don’t get any nasty surprises down the line.)

Get mobile home insurance.

If you’re wondering how to get Atlanta mobile home insurance, we can help. Our team would be happy to see what we can do to help you get the coverage you need. Just fill out our online form, give us a call, or message us on LiveChat.

How to create a teen driving contract

Teen driving contract

Teen driving contract

Teenagers can be a lot. And if you’ve got a teen driver on your hands, you’re probably very nervous. And that is totally understandable. Teens aren’t exactly known for their ability to make responsible decisions. So, what’s a parent to do when their teenager is about to get their license? You can take the time to create a driving contract with your teenager. Here are a few tips to give you a place to start with your parent-teen driving contract.

What is a teen driving contract?

The parent-teen driver contract is a set of guidelines and rules that the driver has to follow. It also gives consequences if those rules are broken. Basically, it outlines your expectations for the teen driver and it also makes sure that everyone is on the same page with both the rules and what would happen if those rules are not followed. It’s an agreement between the teen driver and the parent.

Tips for your parent-teen driving contract.

1. Convey the seriousness of driving.

The driving agreement is meant to convey that driving is a very serious responsibility. The contract makes sure that your teen knows that driving is a privilege. They need to understand that they need to be very careful behind the wheel. Driving isn’t just a convenience or a new, fun thing. It’s a big deal, one that needs to be taken seriously.

2. Clarify the rules and the consequences.

You also need to be sure your rules and consequences are written clearly. There should be little “wiggle room” or room for interpretation. Everything needs to be laid out properly, including the consequences or punishments that you establish for breaking the rules. Then the trick becomes actually sticking to these agreed-upon punishments. The rules and consequences need to be upheld.

3. Have both parent and teen sign the contract.

It’s important to open a discussion about safe driving and the guidelines. Talk about what rules are safe and fair, and ensure that everyone is on the same page. Go over it together and make sure it’s something that everyone is comfortable signing. (But remember – you are the parent in the situation!) One of the goals of the contract is to get rid of any confusion concerning the driving rules and to get everyone in agreement – with signatures to prove it.

4. Make sure to include the important stuff.

When outlining your contract, make sure to look at Georgia’s laws. These can be the basis of your contract, but of course, as a parent, you may want to add your own rules that make sense for your teen and your situation. Here are some areas to look at and establish rules for:

  • Curfew (Remember Georgia law)
  • Where the teen is allowed to drive
  • Establish rules about cellphone use, music use, etc. (Again, remember to look at GA’s laws, including the Hands-free law)
  • Seatbelt use
  • What happens if the teen gets a ticket (i.e. speeding) or fine
  • What happens if the teen drinks and drives
  • The number of passengers they can drive (again, be aware of Georgia’s laws and the graduated licensing system)
  • What happens if any part of the contract is broken

It’s important to cover all the bases when you create your teen-parent driver contract. There are a lot of areas about driving that your teen needs to be aware of. The goal isn’t to scare your teen or make them feel overwhelmed with rules, but to encourage them to make good decisions and drive safely.

5. Remember that the rules can change.

Remember that you can adjust and relax some of the rules that you set as time passes. (Not the laws, of course, but the other rules.) As your teenager gets more practice in and grows up a bit, you can loosen your rules. You can evaluate as you go – maybe you can give your teen some more freedom, contingent on their good behavior. Remember to readjust the contract and consequences accordingly. You can let your teen know that they will be trusted with more when that trust is earned.

You also need to make sure that your teen is properly insured. You might be a bit afraid of the insurance rates. (You’ve heard the rumors of teen car insurance being extremely expensive.) We would be happy to help you get teen car insurance to protect your young driver. Get started with your car insurance quote by filling out our online form, giving us a call, or messaging us on LiveChat. Our team likes to make insurance easy.

10 tips for safely driving around trucks in Atlanta

Driving around trucks

Driving around trucks

Trying to navigate the narrow, somewhat confusing streets of Atlanta can be stressful. It can be even more stressful if you have to share your space with trucks, buses, and other large vehicles. Passenger cars, even SUVs, are a lot smaller and lighter than trucks. As an Atlanta driver, you might not have a choice but to be in close quarters with a truck. Here are a few tips for safety when driving around trucks.

10 tips for driving around trucks.

1. Be aware of the “danger zones”.

Because trucks are so large and so bulky, visibility for truck drivers is very limited. There are prominent blind spots on every side of the vehicle. If you’re in a blind spot, the truck driver can’t see you. So follow this guideline – if you can’t see the driver in the vehicle side mirror, it’s a pretty good guess to say they can’t see you. To avoid being in a blind spot, slow down or get ahead of the truck so you’re not in a dangerous spot. And be really careful if you’re merging.

2. Be cautious when passing.

You’ve also got to be very careful when you’re passing a truck or bus. Admittedly, trucks and buses don’t go too fast, so you may need to pass. Here’s how to do that safely:

  • Check that you can see the driver in the side mirror.
  • Signal clearly, then move into the left lane. (Don’t pass on the right.)
  • Speed up, then pass the vehicle safely and quickly. (You don’t want to hang out in the blind spot.)
  • Make sure the truck/bus is in your rearview mirror before moving back – be sure to give the truck lots of space.

Some other considerations for passing trucks: don’t pass a truck if you’re going downhill. They can pick up a lot of speed. And if you are being passed by a truck, you need to stay to the right. Should the truck be changing lanes or merging around you, give them some space. Remember, they need some extra breathing room.

3. Don’t get too close when driving around trucks.

You don’t want to cut off a commercial vehicle. If you change lanes in front of a truck or bus too quickly, the vehicle might not have enough room to slow down or stop. Even if they can see you, they might not be able to slow the vehicle fast enough. And if you make a sudden move and change lanes quickly, you might be in a blind spot where the truck driver can’t see you. Remember – big trucks take a lot of time to stop.

4. Give the truck lots of space.

It’s important to give the truck lots of space. In other words, don’t tailgate. If you were to get hit, your car could get shoved under the truck. Commercial motor vehicles are extremely tall. And especially if you’re on an uphill, stay back just in case the bus or truck rolls back.

5. Remember that trucks need space to turn.

Large vehicles need lots of room to turn. They might swing really wide. Or they might even turn from a middle lane because they need extra room. So, don’t try to get by the truck or squish yourself between the truck and the curb. Also, be careful with where you stop. Don’t block an intersection or stop in front of the line. That way trucks can turn without issues.

6. Don’t get impatient.

Trucks and buses need some time to get going. They can’t go as fast as passenger cars. If you’re honking or being aggressive or weaving, that’s not helpful. It’s actually very distracting and thus can be very dangerous. Anyways, just try to keep calm.

7. Use your seatbelt.

Every car ride should include the split second it takes to buckle your seatbelt. Make sure you’re buckled up and that your passengers are buckled up. And if there are kids in the car, make sure they’re riding in the back and that they’re in the proper car seats. Everybody needs to be fastened properly into the vehicle. That’s extremely important.

8. Don’t drive distracted.

Also, you don’t want to drive distracted. If there’s something that needs your immediate attention, look for a safe place to pull over. Then you can take care of the issue. When you’re done, then you can get back on the road. Distracted driving is extremely dangerous.

9. Don’t drive drowsy.

If you find yourself getting too tired, you might want to take a break. Find a safe place to have a bit of a rest. Walk around a bit. Or you can switch drivers if you’ve got someone else in the car who can take over for you. You need to give yourself time to rest and recharge so you don’t get too exhausted.

10. Don’t drive intoxicated.

It’s not a great plan to drive intoxicated. Your decision-making and reaction time can be significantly impaired. If you’re taking any prescription or over-the-counter medications, be aware of the side effects – sometimes these things can have side effects like dizziness or drowsiness. If need be, have somebody else drive. Don’t be shy about speaking up if you don’t feel like you should drive.

Being around large trucks and sharing the road with them can be overwhelming. They’re intimidating. But if you’re aware of the challenges trucks face and the dangers, you can take steps to stay safe when driving around trucks.

And of course, you need to have the right car insurance. Our team can help you with that. We would be happy to go over your car insurance needs with you and help you find the policy that’s right for you. (And we can help with your home insurance, too.) Get started with your quotes by filling out our online form, giving us a call, or messaging us on LiveChat. We like to make insurance easy.

Source:

https://www.fmcsa.dot.gov/ourroads/tips-driving-safely-around-large-trucks-or-buses

Tips to keep your motorcycle from being stolen

Prevent motorcycle theft

Prevent motorcycle theft

If you have a motorcycle, it’s important to keep it from being stolen. Let’s get to the point – motorcycles can be targets of theft because they are accessible. And your bike really matters to you, naturally, so you want to protect it. By taking a few simple steps you can protect your bike and prevent motorcycle theft. It just takes a little bit of time and a little bit of remembering!

Tips to prevent motorcycle theft

1. Lock the bike.

Okay, so first things first. When you arrive at your destination, you hop off the bike, right? But here’s the key – you need to turn off the ignition. Just that second that it takes to cut the ignition can prevent your bike from being stolen. After you cut the ignition, you need to lock up the bike too. You can lock the forks (disk brakes) of the bikes, and you can get brightly colored locks. That might help dissuade people from stealing the bike.

2. Lock multiple bikes together.

You might be traveling with a group, and if that’s the case lock the bikes together. It’s probably a bit more logistically difficult to steal multiple bikes that are locked together than a lone bike, right? So, coordinate with your friends and figure out how you are going to get the bikes locked together.

(And if you are on your own, you can lock the bike to an object that can’t be taken apart and can’t be moved – i.e., a light post.)

3. Get an anti-theft device.

You can also get a very loud alarm that will be very noisy if someone tries to mess with your bike. That way people will be alerted if there’s a motorcycle thief on the loose. Alarms can be helpful.

4. Check on your bike.

If you’re out at a public event, check on your bike from time to time. (Particularly right after you arrive.) Of course, you don’t want to be super paranoid about it, but still, it can’t hurt to have a quick look at the motorcycle every so often.

(Also, if possible, you can park the bike close to a security camera. You never know when camera footage could come in handy.)

5. Keep important motorcycle-related documents safe.

You probably want to be careful with the motorcycle’s title. That means stowing it safely in your house rather than leaving it in your saddlebag or in the bike’s compartment. The title is an important piece of paper, after all, and you don’t want anyone to get their hands on it.

And speaking of important pieces of paper, you should keep your insurance information and your motorcycle registration with you when you take your bike out. If something happens, you might need to show these things. Don’t lose track of them.

6. Distinguish your bike.

You can also customize your bike with a unique symbol. That way it looks distinctive. Also, it’s not a bad idea to take pictures of your bike (including your symbol) so that you can show them to the police if need be.

7. Take care when you’re selling the bike.

If you are selling your motorcycle, it’s important to be careful. When someone comes to test drive the bike, don’t give them the title until you’ve had the chance to do a background check and the payment has gone through. (And you should also check the buyer’s personal information against their ID.) You wouldn’t want someone to steal the bike just as you’re trying to sell it.

Keeping your motorcycle safe is important. By taking a few simple steps, you can prevent motorcycle theft and keep your bike from being stolen. And that’s not a bad plan, is it?

Along with preventing motorcycle theft, it’s important to get the right Atlanta motorcycle insurance. Our team would be happy to help you with that, or with helping you get insurance for a car you currently have or a new car. Get in touch with us by filling out our online form, giving us a call, or messaging us on LiveChat. We like to help people save money on their insurance and we like to make insurance easy.

11 tips for Atlanta emergency generator safety

Home emergency generator

Home emergency generator

There are so many things that run on electricity. We’ve come to rely on it as part of our daily lives. So, a power out might be a major problem. Anticipating that fact, you might want to get an emergency generator to be prepared for power outages. While generators are helpful when it comes to keeping the lights on or preventing the food from going bad, they can be dangerous if they’re not used properly.

11 tips for emergency generator safety

1. Don’t run the generator in an enclosed space.

If you have a gas-powered generator, make sure that you don’t use it in an enclosed space. That generator is going to throw off some carbon monoxide (CO). And carbon monoxide is not good. It’s actually really dangerous. As in could-cause-death dangerous. Don’t play around with CO.

2. Keep an eye on the oil level.

You’ve also got to check how much oil the generator has on a regular basis. And be sure to check the oil level before you use it. Oil is kind of important. So, don’t neglect the oil level of the generator.

3. Let the engine cool before refueling it.

You also need to let the engine cool off before refueling it. Otherwise, your refueling mission may not go quite as expected. Take care and ensure that the generator is entirely cool before trying to add any fuel.

4. Keep the generator away from other objects.

It’s also important to remember that generators get really hot. So, keep the generator away from other items. Give it a bubble of personal space so that the generator’s heat doesn’t hurt anything. It’s not that it would mean to hurt anything, but … it might on accident. Don’t let the generator cause any mischief.

5. Make sure the generator stays dry.

Generators and water don’t exactly mix very well. You probably don’t want to let your generator get wet. That can help you avoid water damage. It can also help you avoid an electrical hazard. So, make sure to keep the generator away from water.

6. Don’t use appliances that have gotten wet.

Remember what we said about generators and water not mixing? Yeah, that applies to the appliances you’re using, too. You probably don’t want to plug in an appliance that has gotten wet – not a good plan. Just don’t do it.

7. Be aware of extension cord hazards.

It’s also important to be aware of the potential hazards of using extension cords. You could see a voltage drop if you’re using an extension cord that’s too long. You could also see a voltage drop if you’re using a cord with a wire size that is too small. So, all in all, be careful if you’re using extension cords.

8. Plug in generators carefully.

When you’re connecting your generator, connect it directly to the appliances. Don’t connect it directly to the home electrical supply box. That’s a no-no. You have to be really careful with how you connect generators and appliances.

9. Follow the manufacturer’s instructions.

Grounding the generator is something else you need to be concerned about. When it comes to grounding the generator, follow the manufacturer’s instructions. They’re the ones who know how to do that safely. Reading instructions is important. Don’t skip that step.

10. Choose the outlet carefully.

It’s also important to select your outlet carefully. It needs to be an appropriate outlet with the proper voltage. That sort of thing really matters when it comes to generators and electricity. You can’t just plug the thing in anywhere.

(Also, start running the generator before you turn on the AC circuit or before plugging in the appliance.)

11. Understand some electricity terms.

It can be helpful to understand some basic electricity. Maybe you have a 200-watt generator. An appliance that needs 120 volts and uses 10 amps requires 1200 watts of power. By doing some quick calculations, you can see if your appliances can be used safely with your generator. (That way you can base it off the wattage rating.)

So, those are a few tips for using an emergency generator safely. Though you might find a generator extremely helpful, you also have to be careful. Generators can be dangerous.

If you need to get some home insurance or car insurance quotes, we can help. We’re committed to helping people save money on their insurance … and making insurance easy. You can get started on your quotes by filling out our online form, giving us a call, or messaging us. Our team would be happy to help you look into different Atlanta home insurance options.

A hard to place home: Why is my home hard to place for home insurance?

Hard to place home

Hard to place home

As a homeowner, you know how important it is to have home insurance for your Atlanta house. It’s important to protect yourself financially in case something happens. (Houses can be very expensive to repair, after all.) But sometimes certain homes can be more difficult to insure than others, and that’s because they face risks that make many insurance carriers reluctant to insure them. For that reason, they’re sometimes referred to as “hard to place” homes. We’ll go over some of the reasons that a home might be considered “hard to place”.

4 reasons a house might be a hard to place home.

1. Natural disasters.

Though we don’t necessarily have many natural disasters in the metro-Atlanta area, natural disasters are one reason that a house could be a hard to place home. Homes in areas that are likely to experience a disaster like a wildfire, hurricane, or earthquake can be difficult – and/or expensive – to get insurance for. If you make some changes to your home to help it stand up to the weather, like reinforced shutters or a sturdy roof, that can help protect the house from severe weather. By taking steps to strengthen your home, you can help prepare the house accordingly for any ordeals it may face.

2. If it’s a vacation home.

Vacation homes can also be tough to insure. That’s because, since they’re not permanently lived in and remain empty for a lot of time, the owner probably wouldn’t know if there’s damage to the house. For instance, what if a pipe bursts or someone breaks in? The owner wouldn’t know about it right away. That’s why it’s so important to have a security system to alert you to any damage to the house. A vacation home is a special case when it comes to insurance.

3. “Dangerous” features.

If your house has equipment or entertainment that could be considered dangerous, that could make home insurance more difficult. So, if your house has a playset, pool, or trampoline, you could be liable if someone is damaged – err, hurt – on the property. The same goes if there’s a steep drop or body of water. That’s why it’s really important to have fencing to protect against natural hazards that might be on your property. And to keep people from trespassing.

4. If the home is on the older side.

Okay, we’re not trying to insult your home, but the reality is that older homes might have electrical or plumbing systems that are outdated. And if there are aesthetic architectural features, these can be very expensive to replace. Keep your agent posted about any updates or improvements you make to the home. This is important.

FAIR Plans.

Now, it still might be super difficult to find a policy on the standard insurance market. But every state has what’s called a FAIR plan (a.k.a. fair access to insurance requirements) program. However, these plans are sort of a last-ditch effort. And you can probably only get a FAIR plan if you’ve tried to get other insurance and taken steps to mitigate risk at your home. So, that could be a Plan Z when all other avenues are exhausted.

Getting home insurance might seem impossible, especially if your home has features that make it tricky to insure. But we would love to see if we can help. Not to brag, but we’re fairly decent at helping people get Atlanta home insurance. Get started with your quotes by filling out our online form, giving us a call, or messaging us on LiveChat. Reach out to us and we’ll help you go over insurance options that might work for you.

8 tips for RV safety in Atlanta

RV safety

RV safety

There are a lot of different ways to vacation. Maybe you’re planning on taking an RV trip with your family. Packing up and taking a trip is a great way to spend time with your family and have some bonding time. But driving an RV is not the same as driving a regular car. It’s bigger than a car, and heavier, and taller. That means that you’ve got to take some extra care to stay safe. Here are a few quick tips for RV safety.

8 tips for RV safety in Atlanta.

1. Know the weight the RV can handle.

It’s important to know the weight capacity of the RV. How much weight can it handle? You don’t want to overload the vehicle. Be sure to take note of the weight capacity – and follow it. Yes, you might be tempted to pack the RV to the roof, but don’t overwhelm the vehicle. The RV can only take so much.

2. Do a pre-trip inspection.

The RV also needs to be ready for the trip. It’s important to do a pre-trip inspection of your vehicle to make sure that the RV can handle the hours on the road. (You don’t want to be stuck on the side of the road, right?) So, be sure to check over the following:

  • Tire pressure
  • Tire tread depth
  • Headlights
  • Taillights
  • Turn signals
  • Belts
  • Oil levels
  • High/Other towing equipment
  • Windshield wipers

Basically, make sure that your RV is all set and ready to roll! Even though your RV might do what you want it to under normal circumstances, it never hurts to make sure everything is working properly before you set off on your adventure.

3. Know the height of the vehicle.

You also need to know the height of your RV. Of course, an RV is a lot taller than a car, even if you’re used to driving something like a pick-up truck. Maybe it seems obvious, but remember – that RV is taller than one might think.

4. Be careful with your speed.

It’s also a good idea to slow down and take it easy with your speed. It’s especially crucial to be cautious when it gets dark or dusk starts falling. (And don’t forget to use your headlights appropriately when needed.) Maneuvering an RV can be much more challenging than driving a car, so drive at a safe, reasonable speed. (And slowing down is particularly important if you come to a curve in the road where it’s hard to see who’s coming.)

5. Don’t forget your seatbelt.

You also need to make sure everyone is buckled up safely. The seatbelt is a safety measure that can protect you should something happen. The RV is large and might seem indestructible, but wearing seatbelts is crucial. It just takes a second to click the seatbelt, and it’s a second that is well worth it.

6. Clear out food and trash.

After your trip, unpacking and cleaning might feel like the last thing you want to do. Still, take a second to clean out the RV. Take care of any leftover food. Get rid of the trash. You’ll thank yourself when you don’t have to deal with a messy RV later.

7. Store the RV safely.

Okay, so you can’t exactly park an RV anywhere. It’s not like you can just stick it in a driveway. When you pick a spot to store your RV, make sure that it’s safe and secure. Your RV is valuable, so you need to protect it. Besides, you’ll feel better knowing that you’ve got a nice, cozy place to stash your RV.

8. Know what to do if an accident happens.

Not that you want to think about getting into an accident, but it’s not a bad idea to know what to do if something happens. That way you won’t be as flustered or panicked. Here are three quick steps to remember:

  • Pull off the side of the road if possible
  • Call the police
  • Check that everyone’s okay

In the moment, remembering these three things can help you handle the situation.

RVs can be a lot of fun, but it’s important to stay safe. Even just a few simple things can help you as you embark on your trip. Don’t overlook the basics of RV safety and focus on having a relaxing, enjoyable trip.

And if you need RV insurance, we can help. Our team would be happy to help. Get started with your quotes for Atlanta RV insurance by filling out our online form, giving us a call, or messaging us. It’s important to make sure your RV is properly insured. (And we can also help with Atlanta home insurance, auto insurance, and renters insurance.)

7 reasons to do a review of your Atlanta car insurance policy

Atlanta car insurance policy

Atlanta car insurance policy

So, car insurance. Perhaps not your favorite two words to hear next to each other. You might not be too fond of paying your premium, and you might not want to look at your policy. But it’s important to review your Atlanta car insurance regularly. Before you groan and scoff (an understandable response), we can assure you that there are plenty of good reasons to do a review of your Atlanta car insurance policy on a regular basis. It could help you ensure that you’ve got the coverage that’s right for you – at the best possible rate.

7 reasons to do a review of your Atlanta car insurance policy.

1. Make sure you have enough coverage.

There’s a lot of risks associated with driving, and that’s why car insurance exists. When you review your Atlanta car insurance policy, check your coverage limits. Do you have high enough levels of coverage? Do you want to raise your levels of coverage? Don’t underestimate how expensive a car accident can be or how bad the fallout from a serious accident can be. Remember, your bodily injury liability coverage can cover the other driver’s medical expenses if you injure them in a car accident. Then property damage liability can cover the damage to the other driver’s car if you hit them. The point is that it’s important to make sure you have high enough limits of coverage.

2. Check your discounts.

When you do a review of your Atlanta car insurance, you can also take a look at the discounts being applied to your policy. Do you think you could qualify for any other discounts? Check and see if your situation has changed, allowing you to score some quick savings on your insurance. There are a few common car insurance discounts that people can get…

  • Safe driver
  • Low mileage
  • Multi-car discount
  • Good Student discount

Hey, if you’re going to be reviewing your policy, you may as well see if you can get some savings out of it by looking into discounts!

3. See if there are any coverages you want to add.

When you’re reviewing your policy, see if there are any potential coverages you want to add to your policy. You might have the option to add coverages that could be helpful later on.

4. Think about bundling.

When you have to insure both a home and a car, you might want to consider bundling your home and auto insurance. That means you get both coverages from the same carrier. This might help you save money because a lot of carriers offer a multi-line discount, and that could help you save a bit of money on your insurance. Evaluating your car insurance policy gives you the chance to consider whether it’s time to bundle and whether that’s the right move for you. There are plenty of benefits to bundling, not the least of which is the convenience factor of only having to deal with one insurance carrier.

5. Check your deductible.

Your deductible is the amount you agree to pay if you have a claim (and then the insurance company pays the rest according to the policy’s limits). Looking over your insurance gives you the chance to remind yourself of your deductible and ask yourself if it’s still right for you. There’s often a relationship between deductible and premium – if you choose a higher deductible, you could see a lower premium. So, if you’re in a position where you could raise your deductible, you could get lower rates. However, you don’t want to raise your deductible so high that it would be a huge burden to pay if you ever face a claim. There needs to be a balance.

6. Evaluate if your coverage still suits your needs.

Things change from year to year – and even month to month. So, when you review your Atlanta car insurance, you have to make sure your coverage still suits your specific situation. Think about where you’re at now and make sure your insurance is just right. (And hey, this is also a great time to make sure you’re familiar with what your policy does and doesn’t cover. It never hurts to refresh your memory and give your policy a once-over.)

7. See if you can save money.

Evaluating your car insurance policy is also a great time to get car insurance quotes and see what other options are out there. By getting multiple quotes, you could save money on your insurance and see what kind of rates are available to you. It can’t hurt to check and see if there’s coverage that’s better suited to your needs – or less expensive. You never know – you could find that you could get the same coverage you have now at a lower rate. And wouldn’t that be great?

The thing is that you don’t have to get car insurance quotes on your own. Our team can help you get the coverage you need. Atlanta car insurance is a big deal, and you might feel stressed out just thinking about it. But we like to make insurance easy. To get started with Atlanta car insurance quotes, fill out your online form, give us a call, or message us on LiveChat.

Tips for having an auto roadside emergency kit

Tips for having an auto roadside emergency kit

Tips for having an auto roadside emergency kit

You never know what might happen on Atlanta roads. Cars, unfortunately, are not infallible, and they can break down and refuse to cooperate. When that happens, it’s probably going to be a less painful experience if you have a car emergency kit stashed in your trunk. You never know when your car could refuse to start, get overheated, or start making an ominous “click-click-putter-cough” sound that necessitates pulling over. To avoid a total disaster, a little preparation can go a long way. Here are some tips about putting together an auto roadside emergency kit.

Tips for your roadside emergency kit.

1. Include the car-related items.

Well, first and foremost, having car-related items in the back of the car can come in handy. Your car emergency kit should include…

  • Jumper cables
  • Flares
  • Motor oil (2 quarts)
  • Antifreeze (1 gallon)
  • Washer fluid
  • Ice scraper – yes, Atlanta is hot, but it’s a handy thing to have.
  • Fuses
  • Tire inflator and tire pressure gauge

These things are simple, but they can make a big difference. For example, having some jumper cables can spare you the hassle of having to wait for a tow truck if your car won’t start because your battery is dead. Conversely, you can help out a friend if their car won’t start if you have cables in your car. (Then you’d be their hero!)

2. Have items for you and your family.

There are also items that can make a breakdown much more comfortable for all involved. Think about including the following…

  • Non-perishable food (i.e. snack bars)
  • Water
  • A blanket
  • First-aid kit
    • Bandages
    • Gauze
    • Gloves
    • Tape
    • Wipes
    • Scissors

You never know when one of the kids is going to get a boo-boo and need some first-aid, or when the car isn’t starting and snacks are an immediate necessity.

3. Don’t forget other handy items.

And then there are the miscellaneous items that can be extremely useful. Things that might make you go, “You know what I need right now…” when you’re in a predicament.

Here are a few more things to throw into your emergency roadside kit:

  • Flashlight and batteries
  • Pocket knife
  • Rags/Paper towel
  • Tools
    • Different screwdrivers
    • Pliers
    • Wrench

4. Customize your roadside kit.

You can make adjustments to your kit as needed so that it’s suited to you and your family’s needs. You have to consider what you would need in the event of a breakdown or an emergency when you’re putting together your kit. So, feel free to add things as needed. (And yes, it might seem like you’re toting around a lot of stuff with you on the off-chance that you’ll need it. But think of the benefits of being prepared. If it’s just a minor issue, you can take care of it on your own and get back on your way.)

5. Show everyone the contents of the emergency kit – and how to use them.

Well, first of all, it’s important that you’re familiar with your roadside emergency kit and it’s contents…meaning that you know how it all works and would be comfortable using it in a pinch. (For example…jumper cables.) Learn how to use all of these items safely.

Then you can make sure that your family knows what’s stored in the emergency kit. Imagine if someone took the car out, got stuck on the side of the road, and needed a flashlight. Thinking they don’t have a flashlight, they stumble around in the dark. And then get home only to have you tell them that there was a flashlight (and batteries) in the car the entire time.

Anyways, make sure everyone knows how to safely use these items, and make sure that the kids know not to get into the things they shouldn’t.

So, we’ve established that a roadside emergency kit could come in very handy if something happened – like if you broke down on the side of the road. But something that could also come in handy in the event of an accident or incident involving your car is Atlanta car insurance. Our team can help you get the coverage you need to protect yourself from the risks involved with car-ownership and driving. Get in touch with us by filling out our online form, giving us a call, or messaging us on LiveChat.

8 tips for downsizing your Atlanta living space

Downsizing houses

Downsizing houses

The time has come for you to downsize your Atlanta living space. Maybe the kids are all away at college and you don’t need quite as much house as you did before. Or perhaps a big house has just become too much maintenance – maybe you’re thinking you don’t really need all that space. The idea of downsizing to a smaller house might seem like a lot of work, but there are plenty of positives to it. Here are a few tips if you’re downsizing to a new Atlanta home.

Read more8 tips for downsizing your Atlanta living space