What factors influence Atlanta car insurance rates?

There are many factors that go into determining your Atlanta car insurance rates.

There are many factors that go into determining your Atlanta car insurance rates.

When you’re looking at your monthly Atlanta car insurance payment, you might wonder how exactly the insurance company came up with that number. Did they just pick a premium out of the air? We get that it may feel that way, but the truth is that there are many factors that affect the cost of car insurance. These factors can be separated into two categories: details about you and details about your car. We’ll explain how insurance companies set car insurance rates.

What factors affect the cost of Atlanta car insurance?

Personal details that insurance companies look at.

Insurance companies want to know about you when they’re determining your car insurance rates. They’ll want to know where you live, what kind of driving record you have, your age, and so on. These details matter to your Atlanta car insurance rates because they give the insurance company an impression of how risky you are to insure. For example, they’ll look at the following…

  • Age- The older you are, the less likely you are to cause an accident because of experience and familiarity with navigating roads. With age, maturity, and wisdom comes the added benefit of being charged much less on car insurance! (But the other side of that is that young drivers often pay more for car insurance. Atlanta teen car insurance will probably cost more than car insurance for an adult.)
  • Marital status- Another problem for hopelessly single people to be worried about – they are more likely to be involved in an accident than if they were married. You can thank the National Institute of Health for the research. They found in a 2004 study of 10,525 adults that drivers who never married had double the risk of driving-related injury as a driver that was married. Their intent was to investigate the association of marital status with risk of motor vehicle driver injury.
  • Driving Record- If you have a history of a series of automobile accidents, you will probably pay substantially more than someone with a clean record. There are many benefits to being a safe driver, and car insurance rates are one of them!
  • Credit History- Your credit score may be a useful measure of how financially responsible you are. Good credit scores help establish credibility and are associated with low-risk behaviors and better financial decisions. Since a good credit score establishes you as a sensible individual, it can help lower your rates. Plus, people who maintain control of their finances are perceived as responsible and more than likely to complete payments in a timely manner.
  • Location- Where you live can alter how much you pay. A small, quiet town is going to have significant differences in car insurance prices compared to a loud, sleepless city. Living in a busy urban environment comes with certain risks – such as security, theft, and potential damage to your vehicle. That is another component that going to influence how much you are going to pay.

What details about your vehicle determine car insurance rates?

While details about yourself, such as your driving record and where you live, play a part in determining your car insurance premium, there is additional information that insurance companies need to calculate your car insurance rates. They also use details about your vehicle to figure out what your rate will be. The following are some of the more car-related factors that influence your Atlanta car insurance rates:

  • Year, make, and model of the car- The amount of coverage you will want on your car varies greatly depending on the type of car you drive. Car insurance companies use year, make, and model of your vehicle when calculating your premium because that gives them a good idea of the vehicle’s value.
  • Purpose- Why is it exactly that you’re using this car? Is it a secondary luxury car you use on weekends or is it used to fulfill job obligations? Or are you using it to drive to your university campus across town? Insurance companies realize that constant use is going to increase your risk of getting into an accident.
  • Mileage- The question of how much you drive matters because more mileage each year increases the probability of a wreck.
  • Legal Obligations- Should you be at fault if an accident occurs, there is a possibility that you be may end up getting sued. This is precisely why auto insurance exists with plans that account for collisions. Different types of coverage include bodily injury liability, personal injury protection, property protection liability, collision/comprehensive coverage, and uninsured/ underinsured motorist coverage. To ease your mind and get a sense of peace, it would be advised to safeguard yourself and your assets with a more advanced level of coverage.
  • Safety Features- Does your car contain recent vehicle features such as anti-theft protection? Is it a hybrid vehicle that can use alternative fuel? Can this vehicle protect you and keep your passengers safe should an accident occur? Your insurance company may inform you that you qualify for certain rewards!
  • Potential Damage- It is important that the driver and occupants are protected, yes. However, insurance companies also calculate how much damage your car can exact on another vehicle should a collision occur.
  • Cost of Repair- Sure, feeling the wind on your face while behind the wheel of a brand-new model or exotic car with a fast engine is exciting when it’s yours, but keep in mind these parts are both expensive to replace and attractive to thieves.
  • Who else will be driving- How many members in your home drive? If you live with someone who’s legally able to drive and who will be borrowing your car (such as a family member or roommate) they should be documented and listed on your policy.

These details are essential to insurance companies when they establish your automobile insurance premium. Details about your driving habits and, well, yourself help them figure out how much a risk you are to insure. Recorded data and statistics help them determine not only the value of the vehicle but how much it would cost if the vehicle needed to be replaced. And all of these things together factor into your Atlanta car insurance rates. So, no, your car insurance premium isn’t just an arbitrary number they pick out of thin air. There’s a lot of reasoning that goes into it.

If you’re looking for car insurance in Atlanta, we can help. Our team of insurance experts can help you shop for the best insurance at the best possible rate. By getting multiple quotes, you can save money on Atlanta car insurance. You can get started with your Atlanta car insurance quotes by filling out our online form or calling us today.

Debunked: The truth about 13 Atlanta car insurance myths

There are many car insurance myths that aren't true.

There are many car insurance myths that aren't true.

Insurance can get a little complicated. If you’re dealing with your car insurance, you might be operating under certain assumptions that are widely believed to be facts…but that maybe aren’t as true as you think they are. It’s important that you’re equipped with all the facts when you handle any type of insurance, so we’re going to debunk 12 popular car insurance myths. Let the debunking begin!

Car insurance myths: Debunked

1. Myth: Red cars are more expensive to insure.

What’s the truth? This one is a classic myth and widely-held belief, but it’s actually not true. Red cars do not cost more to insure than cars of other colors. The logic behind this myth is that the type of person who wants a red car is more of a risk-taker, meaning they’re more likely to speed and drive recklessly, leading to more tickets. But the insurance company really doesn’t care about the paint job your car has – they care about how safe the vehicle is. They want to know the make, model, year, price, engine size, and so on.

So, don’t let this myth hold you back. If you really want that fire-engine red car, go for it. Getting a silver car in the same model is not going to save you any money on your insurance. Don’t let car insurance myths hold you back.

2. Myth: Your car insurance will repair or replace your car if you’re in an accident.

What’s the truth? If your car is damaged, your car insurance will only pay to repair or replace it if you have collision and comprehensive coverage. Collision coverage will repair or replace your car if you’re at-fault in an accident. Comprehensive coverage will pay to repair or replace your car if something other than an accident (fire, animal strike, vandalism, falling objects like trees) damages it.

If you only have liability coverage, your insurance will only pay for your legal obligation to the other driver in the accident – their medical bills, lost wages, car repairs or replacement, and so on. You would be out of luck when it comes to the repairs to your own car.

3. Myth: Comprehensive insurance covers mechanical repairs.

What’s the truth? Unfortunately, this is one of those car insurance myths that is blatantly false. Comprehensive coverage will cover losses such as fire, vandalism, animal strikes, and objects that randomly crash from the sky (like trees.) It even covers theft. But a  whacky transmission? Nope. You’re on your own.

4. Myth: Auto insurance is more expensive for older drivers.

What’s the truth? Good news – the truth is that this isn’t true. If you’re over the age of 55, you can probably get a car insurance discount if you take an accident-prevention class that your carrier approves. It’s definitely worth looking into.

5. Myth: It’s less expensive to get insurance online.

What’s the truth? The Internet is useful for a lot of things. Your car insurance? Well, maybe not so much. There are lots of advantages to working with an actual, real-live person. A good, trustworthy insurance agent can help you make sure that you’ve got the coverage you need to fully protect your vehicle and your liability. They can make sure you’re not underinsured, which means that you won’t be diving between the couch cushions for change if you have a claim.

If you buy insurance online but don’t get high enough limits of coverage, you could be facing a huge financial loss if you’re in a bad accident. Besides, that computer can only go so far in understanding your unique insurance situation. Real agents can take the time to get to know you – and another cool trick? They can help you get car insurance discounts. Bonus!

6. Myth: The insurance company only looks at my driving record – my tickets and accidents.

What’s the truth? Insurance companies look at many details about you and your vehicle to determine your car insurance rates. They consider your age, the car you drive, what the car is primarily used for, how many miles you drive, how popular the car is among thieves, and your credit score. So, as you can see, it’s way more than just your driving record. (Although of course being a safe driver can help you avoid accidents and keep your car insurance rates down.)

7. Myth: Smaller cars are less expensive to insure.

What’s the truth? Well, it depends on the coverage you have on it. If you have collision and comprehensive coverage, it could be a bit pricier because a small vehicle will sustain more damage in an accident than a larger vehicle. Think about what would happen if a two-seater convertible rear-ended an SUV.

Exactly.

8. Myth: If I total my car, insurance will pay the rest of the amount on my loan.

What’s the truth? Not quite. The insurance company will pay the actual cash value (ACV) of the vehicle at the time of the accident – well, less your deductible, which you have to pay. The problem is that the ACV of your vehicle might not be enough to cover the rest of what’s left on your loan since car values depreciate so quickly. If you owe more on your loan than the vehicle is worth when you have an accident and total the car, you would have to pay the difference. You would need gap coverage to fill this difference.

9. Myth: Insurance costs more for soldiers.

What’s the truth? On the contrary, people in the military can often get a discount for their car insurance. Even their family members might be able to get a discounted rate. And former military members can get a discount, too.

10. Myth: An out-of-state ticket can’t follow me back to my state.

What’s the truth? Oh, yes, it can. And it will. Just because you were in Tennessee for the weekend does not mean the ticket you got in Nashville goes away the second you cross the Georgia border. That ticket will be with you.

11. Myth: Newer cars cost more to insure.

What’s the truth? Your insurance rate really depends on the car itself. Newer cars tend to have more safety features…and insurance companies like safety. It’s their thing. At any rate, your premium depends on the year, make, model, and safety ratings of your new ride.

12. Myth: I shouldn’t worry about my old car getting stolen. No one’s going to take it.

What’s the truth? Actually, old cars are often targets of theft. It seems a bit backward, but car thieves can get more money for car parts coming from older-model vehicles. Who would have thought? And besides, it’s usually easier to steal an older vehicle, and car thieves are looking for the easy take. Your car may have many miles on it and a few scrapes and dings, but that doesn’t mean you shouldn’t take steps towards preventing a car break-in or theft.

13. Myth: The state minimum level of car insurance is fine.

What’s the truth? This is perhaps one of the most dangerous car insurance myths out there. You will probably want to get more than the state minimum level of insurance. Georgia’s minimum limits of auto insurance are $25,000 bodily injury for one person in one accident, $25,000 property damage for one accident, and $50,000 of bodily injury per accident (meaning all people in the accident.) Yes, at first glance that seems like a lot of money. But if you’re in a very bad accident and you end up getting sued, that amount suddenly looks much, much smaller. You will probably want more liability coverage than the state minimum to fully protect yourself financially.

(And Georgia does not require collision or comprehensive coverage, which will pay to repair or replace your car if it’s damaged. If you only have the state minimum requirement, that’s just liability coverage. Should something happen to your beloved car, you’d be out of luck.)

As all of the above car insurance myths show us, not everything you hear or assume about car insurance is true. It’s important to get all the facts from a trusted insurance agent and advisor. Our team here at Atlanta Insurance would love the opportunity to become that trusted advisor to you. We can answer your car insurance questions and help you shop for the best insurance at the best rate. We’ll go over your coverage options with you so you know you’re getting good intel (and not just car insurance myths.) And we’ll help you save money on car insurance. Get in touch by filling out our online quote form or giving us a call today.

Source:

http://www.chicagotribune.com/classified/automotive/chi-car-insurance-myths-201112223-story.html

https://www.insurancejournal.com/news/national/2014/10/21/344167.htm

11 summer road trip tips for Memorial Day Weekend

If you're going on a road trip this summer, check out these tips.

If you're going on a road trip this summer, check out these tips.

School is almost out for the summer for the kids, Memorial Day is coming right up, and it’s time for vacation. You might be planning a road trip for the family this summer. Maybe you’re going sight-seeing, or maybe you’re going to visit extended family. Wherever your destination may be, it’s important to be safe on your trip. Check out the following tips to have the funnest (we may be making up words) and best road trip ever.

1. Get your car a checkup.

If you’re going to be going on a long trip, it’s important that your car is up to the task. You’re kind of asking it to run a marathon, so be sure to take it to a trustworthy mechanic for a quick tune-up. Check over things like your tire pressure, tire tread depth, oil, wiper blades, and wiper fluid.

Your car is a faithful friend. Give it some TLC before you ask it to traverse hundreds of miles. It’s the nice thing to do.

2. Plan your route.

It’s kind of nice to know where you’re going. Plan out your route and have a plan for GPS/navigation. It might be a good idea to go old-school and print out a set of directions so that you have something to go by in case your GPS or navigation conks out. Never hurts to be prepared! Your trip could take a very unexpected turn (literally) if your GPS dies.

3. Pack your car carefully.

Yes, your car might resemble a carefully planned puzzle, but you need to pack all of the suitcases and gear in such a way that the car is balanced. So, send your car to yoga class and help it find its inner balance.

Also, make sure that your view is not obstructed. Being able to see through the rear-view mirror is kind of important.

4. Have a flat-tire emergency plan.

Flat tires happen. It’s a tenet of Murphy’s Law – anything that can go wrong will go wrong. It’s important to have your spare tire ready to go in case you need it…and to know how to use it. Make sure you’ve got the proper tools to change a tire. And if no one who will be in the car knows how to get the job done, make sure to have the number of a roadside assistance service handy (or get a roadside assistance membership and be sure to bring the card with you.)

5. Bring snacks. Lots of snacks.

Sharing a car with cranky, grouchy, hungry passengers…stressful. Pack plenty of snacks. Try to bring a variety of foods – sweet, salty, and healthy – to keep everyone appeased. Especially the kids. Hungry children are not happy children.

And speaking of snacks – well, fuel…

Don’t forget to be mindful of your gas gauge. If you’ll have to go long stretches without passing a gas station over the course of your road trip, plan accordingly. Know how much mileage your car gets per gallon.

6. Pack a car emergency kit.

You can put together a car emergency kit prior to your trip. It should include car-related items you may need, like jumper cables, but other practical items, too. For starters…

  • Rain poncho
  • Flashlight
  • Reflective vest and reflective triangle
  • First-aid kit
  • Food and water

Of course, there are ready-made kits that you can buy online. You might want to do some research to find out if there’s a reasonably-priced one that will work for you.

7. Bring or plan entertainment for the kids.

Bored, squealing, shouting, or crying children can be a distraction to the driver. Yes, you love your kids, but it’s vital that you have plenty of things to do to occupy them so they’re quiet, calm, and happy throughout the trip. Figure out fun things for them to do. Whether that’s downloading movies on your tablet or playing car road trip games, plan accordingly and let the good times roll.

8. Stay tuned to the weather forecast.

Summer can bring some crazy weather, and things can get so intense that it might be downright unsafe to drive. Heavy rains and storms are common for the summer months, so keep tabs on the weather and adjust your route/plans accordingly. Hopefully, you won’t have any rain on your parade, but use your smartphone or listen to the radio to get important weather updates.

9. Be on the watch for distracted or drunk drivers.

Stay alert and watch the road carefully. Scan your surroundings and be prepared to take action if something happens. Distracted driving is really dangerous, as is drunk driving, so you have to be alert for other drivers who are not behaving safely.

A tip if you’re driving down a highway –

Stay in the middle or right lanes of traffic. If someone traveling the opposite direction crosses the solid yellow lines onto your side of the road, this will give you more time to react and prevent an accident.

10. Get lots of sleep.

Driving while drowsy is not a good idea. It’s downright dangerous. As you get more and more tired, you lose your ability to react fast to dangers, hold the car steady, and make quick decisions. Make sure you get plenty of sleep the night before the road trip.

But keep in mind that boredom from the road and certain medications can also cause drowsiness. If you need to, take a break. Stretch, walk around, and switch with someone who is not mentally fatigued from driving. (Remember, being a safe driver can help you save money on car insurance.)

Being overly tired can be like driving drunk. Your reaction times and decision-making are that impaired. Making sure everyone gets plenty of rest is generally a road-trip best practice. Tiredness usually goes hand-in-hand with grouchiness…and that’s no fun for anyone.

11. Make sure everyone buckles up.

Seatbelts are a must. Seatbelts save lives by stopping people from flying forward in the event of a crash. If a car is traveling 65 miles per hour, that means everything in the car is also traveling at 65 mph. Which means that if the car stops, all passengers will continue forward at 65 mph until something stops them. And it’s better if that something is a seatbelt than a windshield or the back of a seat. The seatbelt will distribute the force of the crash over a wide, strong area of the body.

Anyways. Remember that seatbelts are for the cool kids. Buckle up, everyone.

So, there are our top road trip tips for the summer. And of course, we wish you safe travels to wherever your summer adventures take you.

Are you looking to save money on auto insurance? We can help you get multiple quotes for your Atlanta car insurance. By shopping your rates, you can compare pricing and coverage options. To get in touch, fill out our quote form or give us a call today.

Source:

https://www.safewise.com/blog/road-trip-safety-tips/ 

Here’s what you should know about bundling your Atlanta home and auto insurance

You could save money on your premium if you bundle your home and auto insurance.

You could save money on your premium if you bundle your home and auto insurance.

If you’ve got a home or a car, chances are you’ve heard about bundling your home insurance and auto insurance. Maybe you’ve even heard that bundling can help you save money on your insurance. But is that true? Should you bundle your home insurance and auto insurance? It almost sounds too good to be true. We’ll tell you what bundling is, the reasons for bundling, and some things you should check before you make your final decision.

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Car theft: What do I do if my car is stolen?

If you're the victim of car theft, there are a few phone calls you need to make.

If you're the victim of car theft, there are a few phone calls you need to make.

Picture this: you walk out of the mall, shopping bags in hand. You head over to where you parked…and your car isn’t there. It’s gone. Vanished. And unless your car has learned to drive itself, you realize with gut-wrenching horror that it’s been stolen. So, what now? Is there any hope of seeing your beloved car ever again?

Well, there are a few things you need to do if you’re ever the victim of Grand Theft Auto. Check out our steps below.

1. Stay calm and give yourself a second to think.

Okay, here’s the thing:

Sometimes we tend to jump to the worst conclusion. Before you go into panic mode, think through some other options. Could you have parked on the other side of the mall? (We’re all human and we’ve all been there when it comes to I-forgot-where-I-parked.) Or were you parked near a No Parking or Tow-Away sign? Maybe your car was towed and you need to check with local lots. Have you fallen behind on car payments? Your car may have been repossessed. If your car disappeared from your home or neighborhood, is it possible that a family member with access to your keys borrowed it?

Your knee-jerk reaction to your car not being where it’s supposed to be might be panic, but try to take a breath and think through other possibilities if you’re not 100% sure that your vehicle is not where you left it.

2. Call the police.

Okay. So, your deep-breath-and-think moment didn’t lead to any epiphanies. There’s no other possibility – the car has been stolen.

Now it’s time to get the police involved.

The quicker you get the authorities involved with the car theft, the more likely you are to get your vehicle back. File the police report and give the authorities any details you can about the car – year, make, model, color, license plate number, Vehicle Identification Number (if you happen to have your insurance card, it will probably have your VIN listed.)

If your car has GPS or navigation capabilities, let the police know. It could help them find the car and return it to you.

If you have comprehensive insurance, you should be covered for car theft.

3. Talk to your insurance company.

Once you’ve gotten the police involved, it’s time to contact your car insurance company.

They’ll help you get started with the claim. If you have comprehensive coverage, you’re protected against losses or damages to your vehicle that aren’t caused by a collision, like fire, vandalism, falling objects (i.e. trees) and yes – theft. If you only have liability insurance, you won’t be covered for car theft because liability covers your responsibilities to other drivers that you injure or whose property you damage in an accident – not your own vehicle.

Still, it’s a good idea to let the insurance company know about the car theft even if you only have liability coverage. The person who took your car could cause property damage or injury using your vehicle and your liability insurance may help you.

4. Consider contacting your local Department of Motor Vehicles.

Your DMV might have a database or record of vehicles that have been stolen. You may want to think about informing them that your car has been stolen.

5. Contact your lender or financing company.

If you still have a car payment and owe money to a leasing company, you’ll need to tell them that the car has been stolen. Much of the time they will work with your insurance company directly to deal with the car theft.

But it’s important to prevent your car from being stolen in the first place.

According to the National Highway Traffic Safety Administration (NHTSA), a car is stolen in the United States every 46 seconds. So, you can see why it’s important to take care to prevent a car theft with the following tips…

  • Take your car key with you
  • Close and lock all windows and doors when you leave your vehicle
  • Park in well-lit, well-traveled areas
  • Don’t leave valuables in the car (or hide them before you depart for your destination)
  • Don’t leave your car running and unattended
  • Consider getting an anti-theft device

These tips can also help you with preventing a car break-in. Take precautions to protect your vehicle.

So, that’s the deal with car theft. There are a few phone calls you have to make after you’re sure that the car has in fact been stolen. First, the police. Then, your insurer. And then your leasing or financing company. So, yes, it might mean you have a lot of time on the phone in your future, but hopefully it results in your car coming home.

Need some auto insurance? We would be happy to help you get some quotes so you can save money on your auto insurance. Our agents are experts at helping people find the best coverage at the best rate. All you have to do to get quotes is fill out our online form or call us today.

Georgia expected to pass distracted driving bill (updated)

Georgia is expected to pass HB673, which would make it illegal to hold a cell phone while driving.

Georgia is expected to pass a distracted driving bill, which would make it illegal to hold a cell phone while driving.

Update as of June 27, 2018: The Hands-Free Georgia Act (HB673), which is discussed in this article, will go into effect on July 1st, 2018. This means that drivers will no longer be permitted to hold a cell phone while they are driving in the state of Georgia. Governor Nathan Deal signed the bill into law on May 2nd, 2018. 

Georgia is expected to join fifteen other states that have passed laws that ban holding a cell phone while behind the wheel. Currently, Georgia law forbids texting and driving, but both talking on a handheld cell phone and dialing are still legal.

HB673 aims to change that as an effort to reduce distracted driving accidents.

What is HB673?

HB673 basically prohibits drivers from holding a cell phone or another electronic device while they’re driving a car. The goal of the distracted driving bill is to make it easier for law enforcement to uphold driving laws. Since holding a phone to talk or dial is still currently legal, it’s difficult for police officers to prove that the driver in question was actually texting (and thus breaking the law) instead of just dialing or holding the phone.

Of course, the bill is also intended to reduce accidents, injuries, and fatalities on Georgia’s roads. The bill will raise awareness of the dangers of distracted driving and hopefully discourage people from taking their attention off the road by looking at a screen.

The stats:

Since 2014, traffic fatalities in Georgia have gone up by 33%. The state alone faced 1,550 deaths last year, and it’s believed that cell phones are a big part of the jump. An estimate from Emory’s Injury Prevention Research Center puts the number of drivers on their phones at any given time at 7%.

So. The reason for the bill is clear. The numbers don’t lie.

If the distracted driving bill passes, it will be illegal to talk on the phone and drive.

When will the bill go into effect?

The bill has passed the Georgia General Assembly and now awaits Governor Deal’s approval (which it is expected to get.) The governor has 40 days from the bill’s passage on March 29th to sign the bill into law, veto it, or let it pass into law without his signature.

What’s not legal?

Under the new bill, the following would be ILLEGAL:

  • Holding a cell phone, wireless device, or another electronic (like an iPod)
  • Writing, reading, or sending text (ex. Text messages, email, IM, or internet data)
  • Reaching for a device so that you are no longer in a proper seated driving position with seatbelt restraint
  • Watching a video or movie (other than navigation)
  • Recording a video

The new distracted driving bill would make these actions while driving unlawful. Again, the goal is to reduce the number of car accidents caused by distracted driving. Under the new law, the first-time offense means a fine of $50, but it increases for each offense after that.

What’s still legal?

Certain things will still be legal and permissible. The following would be allowed while driving…

  • Using hands-free technology to talk or text
  • Using a GPS or navigation app
  • Smart watches
  • Earpieces
  • Reporting an accident, medical emergency, fire, crime, or hazardous road condition
  • Radios, CB radios, subscription-based emergency communication devices, prescribed medical devices, and in-vehicle security, navigation, or remote navigation
  • Using a handheld phone while parked off the road in an area where parking is permitted (NOTE: This does NOT mean being stopped at a traffic light.)

Distracted driving and insurance premiums

Distracted driving has contributed to an increase in traffic accidents and fatalities. And insurance companies look at statistics to determine car insurance rates. The higher the chance of an accident occurring, the higher the premiums drivers are likely to face. That’s why rates are often higher for people who have gotten speeding tickets or who have been involved in accidents. The decision to commit to being safe driver can help you save money on car insurance, so the distracted driving bill might help lower your premiums.

The goal the distracted driving bill is to reduce the number of traffic accidents in Georgia.

That’s the scoop on the distracted driving bill (HB673) that is expected to pass in Georgia. Hopefully, we will see a decrease in traffic-related injuries and fatalities and the roads will become safer for everyone. Take care and drive safe, Atlanta.

If you’re looking to save money on auto insurance, we would be happy to help you with that. Car insurance might seem pricey, but we can help you shop for the best coverage at the best rate. To get started with your auto insurance quotes, just fill out our online form or give us a call today.

Source:

https://www.myajc.com/news/state–regional-govt–politics/georgia-just-passed-distracted-driving-bill-what-legal-what-not/PZXchE0AqAi1H8r7X8XrZN/

http://www.wtvm.com/story/37882063/new-distracted-driving-law-proposed-citations-across-georgia-will-change

https://www.gahighwaysafety.org/highway-safety/hands-free-law/

How to protect your Atlanta vehicle and prevent a car break-in

It's important to protect your car and prevent a break-in.

It's important to protect your car and prevent a break-in.

As the owner of a car, you’re probably pretty protective of your vehicle. You don’t want anything to happen to it – no scrapes or dings on your watch! So chances are you would not be pleased if someone smashed your window and stole your belongings in a blatant break-in.

Since we can’t exactly put our cars in our pockets and take them with us wherever we go, it’s impossible to keep an eye on your vehicle all the time. Smash-and-grabs are, unfortunately, a very common occurrence. Aside from the feeling of utter rage, you’d probably feel pretty violated if someone broke the window of your car. That is your space.

Anyways, we’ve got a few tips to help you prevent a car break-in.

1. Hide your belongings before you get to your destination.

It’s best to stow anything you’re planning on leaving in the car before you arrive at your destination. If you wait until you get there and then transfer your bag or briefcase to the trunk to hide it, a thief could see you move it … and then watch as you walk away and leave the car (and goodies) unattended. But if your treasures are safely stashed before you arrive, no one will be the wiser and you could avoid a break-in. Yes, your home insurance might cover belongings stolen from your car, but you may as well try not to use it.

2. Take your valuables and electronics with you.

Electronics are the jackpot for smash-and-grab thieves. Don’t leave your phone or iPod in the car and especially not in plain sight. Unless it’s impossible, don’t leave any valuables in your vehicle. Take them with you so that they won’t be stolen.

3. Lock the doors and roll up the windows and sunroof.

There’s no reason to make the thief’s job easier. If you leave your doors unlocked or your windows down, you’re inviting a thief to snag your stuff as they casually stroll on by. If you increase the amount of effort it’s going to take to steal from your car, you may prevent a lazy thief from striking. Even if you’ll only be gone for a minute, take an extra second to click the Lock button.

Hiding your valuables can help you prevent a car break-in.

4. Don’t leave chargers and cords in sight.

A phone charger or GPS cord left plugged into the cigarette lighter (that thing that charges your phone) is a big breadcrumb for a thief. Where there is a charger, there could be a phone. And if there’s a chance there’s a phone, you could be painting a target on your car and inviting a break-in.

Pro tip: If you use a GPS that suctions to your windshield, remove the suction cup and wipe away the marks before leaving your car.

5. Keep your car shipshape.

If there are empty shopping bags, papers, or wrappers littering your car, a thief might think that the clutter conceals something they want. By keeping a tidy, neat car you send a message that there’s nothing to see – or steal.

6. Choose your parking spot carefully.

The ideal parking spot is well-lit and located in a well-traveled area. The more likely they are to be caught, the less likely a thief is to smash windows. Avoid parking spots where your vehicle would be concealed from view. This only invites trouble. It’s important to understand the reasons to drive safely, but it’s also important to stay safe when you park your car.

7. Consider a car alarm or other theft deterrents.

The thief who breaks into your car could be trying to steal it. Having a steering wheel lock or collar, or a lock for the brake pedal tells the thief right off that that car isn’t going anywhere. Car alarms are also helpful (and you could even save money on your car insurance with a discount.)

What to do if your car has been victim to a break-in…

In the unfortunate situation that your car gets broken into, here’s what to do:

  • Call the police
  • DO NOT touch anything – the police will want to search for evidence
  • Take pictures
  • Make a list of what was stolen
  • Get the window fixed ASAP (Lightning can, in fact, strike the same place twice)

So, those are some things you can do to minimize the chance that your car will be broken into. Be mindful of your situation and take steps to keep your car safe. Your car is a faithful friend…and broken windows are no fun.

If your vehicle is victim of a break-in, call the police and don't touch anything.

Looking to save money on your car insurance? We would be happy to help you with that. We can help you shop for the best coverage at the best rate. All you have to do to get auto insurance quotes is fill out our quote form or give us a call today.

What you need to know about keeping your Atlanta teen driver safe

It's important to talk about good driving habits with your teen driver.

It's important to talk about good driving habits with your teen driver.

If you’re the parent of a teenager who’s about to get their driver’s license, you’re probably a little panicked at the thought of your kid getting behind the wheel of a car. That’s perfectly normal. Letting your child roll out the door with the car keys in hand might send a pang through the heart.

But we’ve got good news: there are things you can do as a parent to help keep your teen driver safe on the road. Check out the following list.

1. Talk about texting and driving.

You need to make it very clear to your teenager why it’s dangerous to text and drive or talk on the phone and drive. Every parent wants to think that their kid will resist the temptation to use their phone while driving, but it’s important to let your child know that your expectation, not to mention the law, is no phone while driving.

2. Send your teen to driver’s ed.

Taking a driver’s ed class helps gives your teen driver more practice behind the wheel. It will also help reinforce the skills they need to be a responsible, safe driver. Plus, you might get a discount that will help you save money on teen auto insurance if you send your kid to driver’s ed.

3. Have your teen get lots of practice.

Practice makes perfect. It’s a good idea to have your teen driver get plenty of road time before testing for their license. Have them get their permit as soon as possible. It’s also a good idea to have them practice in different driving conditions, such as traffic and rain (of course, it’s important that your child feels comfortable and confident enough behind the wheel before you introduce new variables like rain.) Driving is scary enough without having to worry about how to drive safely in the rain.

4. Set some rules.

Most states have laws for newly licensed drivers. Georgia law forbids drivers under the age of 18 from being on the road from midnight to 6 a.m. It also limits the number of passengers you can have in the car at once. Driving with any amount of alcohol in the blood is illegal for drivers under 21.

Those are only a few of the limitations placed on new drivers. Familiarize yourself with Georgia laws and make sure your teen understands and knows them, too. Be sure to enforce these laws – they were created for a reason. You may even want to create some rules of your own.

Pro tip: Come up with a parent-teen contract of safe driving rules that you want your teen to follow. Distracted driving, curfew, seatbelt use, passengers, and “radius” might be some things you lay out in your contract. Then have your teen driver sign it. Studies have shown that a formal agreement reduces risky behavior.

Writing a contract can help keep your teen driver safe.

5. Set a good example.

If you’re being a safe driver, your teen will see your good habits and hopefully emulate them. If they see you fiddling with your phone, not wearing a seatbelt, speeding, eating, or losing your temper, how can you expect them not to do the same? Kids (including teen drivers) absorb everything. So, teach your teen how to be a safe driver by showing them.

6. Present them with the keys to the “family car.”

Rather than getting your teen driver a new car or even a new-used car, let them drive the family car. This might encourage them to be more responsible and make good decisions.

7. Make sure the car they’re driving is safe.

Doing some research on safety features and ratings can help you make a good, informed choice about which vehicle your teen will drive. You want to have them in a car that will protect them if anything happens. Though the sports car that they really want is super cool, a small SUV or sturdy sedan is probably a safer option.

8. Don’t let your teen drive tired.

Drowsy driving can be just as dangerous as drunk driving in terms of worsened reaction time. High schoolers often have to stay up late to cram for tests or finish homework. If your teen stays up late and is running low on sleep, offer to drive them to school or encourage them to take the bus. Phrase it as being an extra chance to get some rest and relax.

9. Show them that the time for seatbelts is all the time.

Your teen driver needs to understand that seatbelts are not optional. Every passenger and the driver needs to be buckled up. It’s the driver’s job to do a seatbelt check and make sure that everyone is good to go before departing. This is for everyone’s safety: seatbelts prevent people from being thrown from vehicles if there is a crash. Seatbelts save lives.

10. Emphasize communication.

Have your teen driver get in the habit of telling you where they’re going, how long they’ll be, and when they’re on their way home. You’ll feel better about your kid charging off on their own if you have a system for checking that they arrived safely. (But of course emphasize no texting while driving, even if they’re texting you.)

Having a teen who’s ready to get their license and start driving is nerve-wracking for parents. But by encouraging good driving habits and giving your kid the opportunity to get lots of practice, you can help them stay safe behind the wheel.

Having a teen driver can be stressful, but you can help keep them safe.

We can also help you save money on teen auto insurance. All you have to do to get quotes for auto insurance is fill out our quote form or give us a call today. We would be happy to help you find quality insurance at a great rate.

Source:

https://www.safekids.org/blog/you-can-keep-your-teen-drivers-safer-here-are-7-ways-can-help

https://www.safekids.org/blog/teen-driver-safety

How to get cheap teen car insurance in Atlanta

Car insurance for teens can get expensive.

If you’re the parent of a teen who’s about to get their license, you’ve probably got some mixed emotions. One thing on your mind (other than worrying about your teen’s safety) is probably how much car insurance for your teenager will cost. Odds are you’ve heard the rumors that teen car insurance is expensive.

Well, unfortunately, the rumors hold some truth.

Auto insurance for teen drivers is expensive because their age bracket has the most crashes annually. Teens aren’t experienced drivers yet (which is why it’s important to make sure that they get lots of practice) and they tend to take a lot of risks. Anyways, the good news is that you can get cheap car insurance for your teenager, and we’ll explain how.

Check out the following tips.

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Tips for driving in the rain during one of Atlanta’s rainiest months

Driving in the rain can be hazardous.

Driving in the rain can be hazardous.

When we think of the rainy season, we usually think about the summer. Or April. But one of Georgia’s rainiest months is actually February, with March also receiving a good deal of precipitation. So, it seems like a good time to go over some tips for driving in the rain. Driving in the rain puts many people’s nerves on edge, but with these tips, you can take care and stay safe in the rain.

1. Check your car before you depart.

Make sure that your car is ready to take a trip in the rain. Check that your brake lights, turn signals, and headlights are all functional – it’s really important that you’re as visible as possible in the rain. Replace any windshield wiper blades that aren’t doing their job very well. Lastly, check your tires. They should have a good tread depth; bald tires do not get as much traction on the road as newer tires with proper tread depth, which makes them dangerous. Tire tread depth should be no less than about 3/32 of an inch. It’s also a good idea to check your tire pressure once a month, especially when it’s cold.

2. Slow down.

When it rains, you need to slow down and take it easy. Slower speeds make it less likely that you’ll hydroplane. Hydroplaning is when the tires of a car actually rise off the asphalt and coast on top of the water; a car can hydroplane at speeds as low as 35 mph. Even 1/12 of an inch of water on the roads requires your car’s tires to move an entire gallon of water per second just to keep their grip on the pavement.

Anyway, all of this is to say that it’s important to take it slow when it’s raining. It’s also a good idea to slow down early and gently if you’re coming to an intersection, a turn, or another traffic stop. Give yourself time to come to a stop safely.

3. Increase your following distance.

Leave plenty of room between your car and the car in front of you. When the roads are slippery, it takes more time for your car to come to a stop, so you need to give yourself some personal space. Rain can lead to more traffic, too, which makes it especially important to leave lots of room in front of your car. Handling Atlanta traffic is not easy sometimes.

4. Avoid braking hard and turning sharply.

If you jam on your brakes, you could cause your tires to lock. Your car could skid. When you come to a turn, slow down first, then take your foot off the brake and gently turn the vehicle.

It's important to slow down if you're driving in the rain.

5. Drive in the tracks of the vehicle in front of you.

Follow the path of the cars in front of you. The road will probably be less slick along the tire tracks.

6. Turn on your headlights and windshield wipers.

Headlights help other drivers see you when you’re driving in the rain, and windshield wipers help you see other drivers. It’s hard enough to see clearly in the rain – help yourself out by activating your headlights and wipers.

7. Try to avoid pools of standing water.

It’s easy to hydroplane if you go through a puddle too fast. If you can, try to safely avoid driving through standing water on the roadways by changing lanes. At the very least, slow down before reaching the water. But remember – don’t slam on the brakes.

8. Know how to handle hydroplaning.

If you get into a situation where your tires lift off the road, it’s important to do a few things:

  • Don’t slam on the brakes. It’s a knee-jerk reaction, but try to resist it.
  • Take your foot off the gas.
  • Hold the wheel steady and gently steer in the direction you’re skidding if that’s what the car needs to do.
  • Wait for the tires to catch on the asphalt.
  • Regain control.
  • Pull over to take a minute to and breathe and recover.

9. Postpone any trips that aren’t strictly necessary.

If it’s bucketing down rain and you don’t have to be out on the road, try to reschedule your trip or postpone it. Of course, there are times when it can’t be helped and you have to drive in the rain, or maybe you’re already on the road and it starts pouring. But if it’s at all possible, you may want to take a literal rain check.

Driving in the rain takes extra care.

Driving in rain is not something most people like to do. Slick roads and poor visibility are definitely not ideal driving conditions. It’s important to remember to slow down, increase your following distance, and turn on your headlights and windshield wipers. Stay calm and keep your attention on the road – definitely no texting and driving in the rain. Remember, there are many benefits of being a safe driver, and that means knowing how to handle the rain.

If you want to save money on your car insurance, we can help. Our team of insurance experts are pros at helping people shop for the best rate on their auto insurance. All you have to do to get car insurance quotes is fill out our online form or give us a call.

Sources:

https://driving-tests.org/beginner-drivers/how-to-drive-in-rain/ 

https://exchange.aaa.com/safety/driving-advice/wet-weather-driving-tips/#.Wnmu85M-eWs