Why do I need to get car insurance in Atlanta?

Why do you need to get car insurance?

Why do you need to get car insurance?

So, car insurance is a thing. It’s just something you can’t avoid if you want to drive on Atlanta’s streets. And the problem is that it’s a hit to your wallet when you have to cough over the money for your car insurance premium. So, why is that necessary? Why do you need to get car insurance? Well, there are plenty of good reasons, and we’re going to go over four of them.

Why do I need to get car insurance?

1. It’s the law.

States require drivers to carry certain amounts of car insurance. It’s just the law. Georgia, for example, mandates drivers to carry $25,000 bodily injury liability per person, $50,000 bodily injury liability per occurrence, and $25,000 property damage liability. These requirements for limits of insurance are meant to protect other drivers on the road from, well, you.

Bodily injury liability can help cover the other driver’s medical bills and pain and suffering if you’re at-fault in an accident, while property damage liability can help with the repairs or replacement of the car. (Basically, it helps you cover your legal obligation to the other driver if you injure them or damage their car in an accident.)

If you don’t have proper car insurance and you get pulled over or cause an accident, you could have some major trouble on your hands.

(Note that we didn’t mention anything about liability insurance protecting your car…because it doesn’t. We’ll get to that in a minute.)

So that’s one (but really two) good reasons why you need car insurance: because it’s the law and because it can help you help those that you could injure in an accident.

2. Car insurance can help you repair your vehicle if it’s damaged by a covered loss.

If you have collision and comprehensive coverage, your car insurance can help you repair or replace your vehicle if it’s damaged by a covered loss. (Remember, your liability insurance only helps you cover your obligation to the other driver if you’re at fault in an accident – it won’t cover damages to your car. It also won’t help you if your car is damaged by something other than a collision, like fire.)

So, that’s why you ought to consider having collision and comprehensive coverage.

Collision coverage – Helps you repair or replace your vehicle if it’s damaged in a wreck or by a, well, collision with something.

Comprehensive coverage – Helps repair or replace your car if something other than a collision damages it. Some losses that can be covered are: fire, theft, animal strike, vandalism, and falling objects (i.e. a tree branch.)

While Georgia technically doesn’t require you to have collision and comprehensive coverage, it’s definitely something to think about. It can be a real financial safety net if some sort of calamity befalls your car. Don’t overlook it – your car is a huge financial investment, after all. So, there’s another reason why you need car insurance.

3. Your lender/lienholder may require you to carry collision and comprehensive coverage.

If you have a lender or lienholder for your car (the people who ask politely for money for your car payment) they may require you to have collision and comprehensive coverage for your car. That makes sense – they want to make sure the car they helped you pay for is protected. It’s important that you know what their requirements are and that you get the insurance they want you to have.

4. With UM/UIM coverage, you can be protected if you’re hit by a driver without insurance or without enough insurance.

Let’s say that you’re involved in a car accident and the other driver is at fault. The only problem is that they don’t have enough insurance to cover all of your medical bills resulting from an accident – they’re underinsured. Or what if they don’t have insurance – they’re uninsured. With uninsured/underinsured motorist coverage (UM/UIM coverage), your car insurance can help you if the driver who hit you doesn’t have enough insurance (or any insurance) to cover all of your medical bills or the total cost of the accident. (Even if the driver has the legal, required limits of car insurance, those minimum limits might not be enough to cover all the costs of an accident.) As we all know, hospital and medical expenses can be quite astronomical. With UM/UIM coverage, you could get some help covering those bills.

So, those are four compelling reasons to get car insurance. Not only is it the law, but it’s also a financial safety net. Get started with car insurance quotes by filling out our online quote form, messaging us on LiveChat, or calling us.

What is boat insurance?

Get the right boat insurance for your watercraft.

Get the right boat insurance for your watercraft.

If you’re ready to live a sea- (or lake-) faring dream, you might be interested in boat insurance. Buying a boat can be a huge investment that’s largely rewarding all around. However, owning a boat requires a lot of upkeep, an up-to-date knowledge of your local boating laws, and the ability to protect yourself and your vessel if worst comes to worst. So, here’s a guide to getting the best boating insurance to stay safe off the shore.

Is boat insurance required in Georgia?

While there are various regulations regarding age of operation, boat identification, and registration, Georgia does not require boat insurance to own a vessel. However, being out on the water can be more dangerous than you think. There are tons of risks that a boat owner may face and that may cost you hundreds or thousands of dollars to resolve without the proper boat insurance.

What are the risks of driving a boat?

Although boating may be a very low-stress activity, there are tons of high-risk situations that you can be exposed to. Many boating laws and safety training may specifically warn about hazards such as:

  • Drowning
  • Dams
  • Submerged objects
  • Powerful currents
  • Waves
  • Inclement weather
  • Hypothermia
  • Carbon Monoxide from gas fumes

While some of these instances may be preventable, you’re mostly subject to Mother Nature on the water. And nature is nowhere near predictable. So, it’s important to consider the type of protection you’ll need in the aftermath of a particularly harmful event before it happens.

Boat safety is a must.

What type of insurance do I need for a boat?

If you have a small watercraft such as a canoe, paddleboat, or rowboat, the personal property portion of your home insurance policy typically covers damages and theft to those boats.

However, if you’re setting sail fairly soon in something bigger, you’ll need personal watercraft (PWC) coverage. This type of insurance works a little like your car insurance in the way that it can help you cover costs due to:

Liability & Medical Payments

Let’s say that you set sail with a few passengers after checking a weather report.  The forecast is set to be bright and sunny until that evening. However, halfway through the day and your leisurely cruise, there’s an accident. Everyone on the ship is tossed around, and one passenger suffers a concussion and a few other major injuries.

If you have the right boat insurance, your carrier could help you pay for the injured passenger’s medical expenses, including any hospital stays, doctor visits, medications, or therapy.

The liability portion could help you cover legal expenses if there’s an accident and an injured party takes you to court. PWC insurance also usually covers water sports liability coverage in case someone is hurt while they’re waterskiing, wakeboarding, tubing, etc. off of your boat.

Property damage

Your boat is an expensive investment. So, paying out repairs or replacing your boat entirely after an accident isn’t the ideal situation. Fortunately, PWC insurance also usually includes physical damage coverage.

This part of your insurance may not just help you cover your watercraft itself. It can also help you cover the costs of repairing or replacing your boat’s equipment, such as anchors, oars, fuel tanks, life jackets, dinghies, and other tools if they’re damaged in an accident or stolen.

Additional Boat Insurance Coverages

Liability and property damage coverages are, of course, only the baseline types of coverage for a worst-case scenario. There are still other specific situations in which your vessel may need to be covered. So, talk to your agent about adding these types of boating-specific coverage:

  • Reasonable repairs: Unlike car insurance coverage, you may be able to add coverage to help you with the costs of repairing the equipment on your ship before it becomes a bigger, more hazardous problem.
  • Emergency service: If someone has to tow your boat or provide other emergency services to you out on the water, you might want to have emergency service coverage for your boat to help you handle the bill. Think of it like the roadside assistance coverage you can get for your car.
  • Wreck Removal: It’s not fun to think about, but if your boat is wrecked into pieces and beyond recognition, normal PWC coverage may not cover the costs it will take to clean up the debris of your boat. It may also not cover the hazmat costs of clearing up any pollution from the water. That’s why it’s important to talk to your agent about adding wreck removal coverage in case your boat is broken apart, has sunk, or has been ordered to be destroyed.

Sometimes, it can be difficult to properly insure your belongings if you don’t know where to start. Hopefully, this guide can give you the building blocks to consider and properly cover the risks of owning and operating a rewarding watercraft.

Once you’ve made the decision to buy a boat, protecting yourself from these risks can be smooth sailing with our insurance experts. Whether you have a broad idea of the risks you need to insure or if you need help every step of the way, our specialists are here to help you get the unique boat insurance you need for the best price. Call us today, fill out our online form, or LiveChat with an agent now to start saving money on your PWC coverage.

10 GA driving laws to know about

You need to know about these Georgia driving laws.

You need to know about these Georgia driving laws.

Drivers’ ed may be a course that’s long behind you, but Georgia driving laws are updated more regularly than you would think. In fact, if you’re a seasoned driver, you may not be aware of some of the most vital GA driving laws and their conditions. So, here are the top 10 GA driving laws that you need to know to remain a safe and informed Georgia driver.

10 Georgia driving laws you should know about.

1. You’re required by law to have car insurance.

Georgia law requires all drivers to have a certain amount of car insurance. However, many people don’t know that the minimum requirement for car insurance in Georgia does NOT cover their car or their passengers and may not even be enough to cover the other driver if you’re in an accident.

The state minimum requirement for auto insurance is only 25/50/25, which means that every driver is required to have at least $25,000 worth of bodily liability insurance per person, $50,000 of bodily liability insurance per accident, and $25,000 of property damage insurance. Again, bodily injury liability and property damage coverage do NOT cover damages to your car or the injuries of you and your passengers. If you want coverage for your vehicle, you may want to consider collision and comprehensive coverage for your auto insurance policy.

Additionally, Georgia’s minimum coverage limits may not be enough to completely cover the other driver if you’re in an accident. If they sue you and you’re found liable for more than your insured limit, you could be on the hook. That’s why you should also consider increasing the amount of liability and property damage coverage on your policy or consider personal umbrella insurance.

2. Hands-free Driving

In 2018, Georgia passed a totally hands-free driving law, making it illegal for any driver to simply hold an electronic device while operating a car. This law extends farther than restricting texting and driving. The law was passed this way so that it would be easier to enforce distracted laws throughout the state. Before the law, in most cases, police would not be able to prove that a driver was texting and driving instead of simply holding the phone to speak.

However, this doesn’t mean that it is completely illegal to use a device while driving in Georgia. On the contrary, it is still legal on the road to:

  • Use hands-free technology to talk on the phone
  • Use Speech-to-Text to text or make notes
  • Use GPS or a navigation app
  • Use a smartwatch
  • Use an earpiece (but not headphones)
  • Use your phone to report an accident, medical emergency, fire, crime, or hazardous road condition
  • Use a radio, CB radio, subscription-based emergency communication device, prescribed medical device, or in-vehicle security system
  • Use your phone while parked in an off-the-road location (NOT stopped at a stop sign/light)

So, this is one of our important Georgia driving laws to know about.

3. Don’t be a “slowpoke”

That’s right: you may be stopped in Georgia for going too slowly in the improper lane. The Georgia “Slowpoke Law” mandates that if a faster car approaches you while you’re driving in the left lane on a highway, you must move out of the way of that car, even if you are going the speed limit. You may even see highway signs that state “Slower traffic, move right.” Failure to move over may result in a fine or a ticket.

4. Slow Down/Move Over

Speaking of moving over, Georgia has also created a law to slow down and move over for not only police cars stopped on road shoulders, but emergency responders, tow truck drivers, and garbage trucks. Numerous emergency responders and assistance workers are killed because of vehicles that fail to obey this law.

So, if you see a vehicle with, not just flashing blue lights, but flashing orange or yellow lights, either move over one lane away from the vehicle or slow down to at least 10 mph below the speed limit.

There are lots of Georgia driving laws that you need to know about.

5. Make sure your headlights are on in the rain

This law is more than just a safety recommendation. Georgia law requires cars to turn their headlights on in the rain, even in the daytime. Headlights can increase your ability to see other cars in the rain, but it can also help other cars see you. So, even if you have automatic headlights, make sure that they turn on and that you’ve maintained them well enough to see through a storm and at night (at least 300 ft in front of the vehicle). Also, make sure that your taillights are operational and visible when your headlights turn on as a part of your regular vehicle maintenance.

6. If an intersection’s traffic light is out, treat it as a four-way stop

Sometimes power outages happen in your home or just within your neighborhood block. However, if you find yourself at an intersection usually lit up by a traffic light and its power is out, Georgia law dictates that you treat the intersection as a four-way stop. This means that whoever approaches the intersection comes to a full stop and then has the right of way. If two or more cars stop at the intersection at the same time, the driver to the left of the person on the main road goes first, and then each driver takes turns going, clockwise, around the intersection.

Of course, if the emergency lights for the intersection activate where there are either blinking yellow or red lights, follow those signals. And always stay alert!

7. Joshua’s Law

This law is essentially the series of Georgia-specific requirements to get a license. It generally focuses on proper driving education and knowledge for a teen to get their permit through a graduated license program. Most states have their own versions of this law. However, Joshua’s law is specific to Georgia’s requirements regarding written and field exams for GA drivers starting at the age of 15 with a learner’s/instructional permit. (It’s really important to make sure that teen drivers are aware of Georgia driving laws.)

8. Click it or Ticket

Seatbelts have a lot more benefits than just keeping you strapped down in an accident. However, before this Georgia law, many drivers still opted for keeping themselves unbuckled. The state’s “Click it or Ticket” law enforces a hefty fine for any driver in Georgia, whether they are licensed in the state or not, who drives without wearing a seatbelt. There are very few exceptions for this law, with most of them being emergency responders or slower vehicles.

9. You CAN drive without shoes

This one is more for the beach bums of Georgia or people looking for a little relief from the confines of shoes. It’s a large myth that law enforcement can pull you over for driving without shoes on. In fact, this “law” has never existed in the state. Unless it impedes your driving in another way, kicking off your shoes to ride around on the open road is not illegal in Georgia. Maybe that’s one of the weirder Georgia driving laws (or rather not laws) out there, but still worth a mention.

10. No open containers

Even if you’re playing the role of designated driver for a night out, make sure that no one in your car has an open container of alcohol. This includes resealable containers, cups, or bottles. While the charge may not be the same as a DUI, there is a large fine for the driver of the vehicle if there are any unsealed alcoholic beverages present. Plus, the officer may have grounds to issue a field sobriety test or a breathalyzer test if they see an open container.

These are by no means a complete list of Georgia driving laws you need to know. However, these basic reminders can put you on the path to creating a safer road system for you, your passengers, and other drivers out there. It can also help you save money on Georgia car insurance. Safe and knowledgeable drivers can qualify for discounts and lower rates.

Our auto insurance experts can help you uncover all of the secrets to saving on your auto insurance. To start getting customized quotes on the best rates for your Georgia auto insurance, give our experts a call, fill out our online form, or start LiveChatting with an agent today!

10 places to RV around Georgia

There are lots of places to RV around Georgia.

There are lots of places to RV around Georgia.

The summer means it’s the official start to RV season. The South is full of wide-open spaces and scenic routes that are perfect for stopping to smell the flowers. With so much beautiful scenery, it can be daunting to narrow down your next road trip destination. So, here are the top 10 places to RV around Georgia if you love the great outdoors!

10 places to RV around Georgia

1. Cloudland Canyon in Rising Fawn, GA

Cloudland Canyon has been one of the more popular picks for Georgia travel guides lately, and for good reason. Along with its stunning waterfalls and picturesque view of the North Georgia mountains, its hiking trails offer a challenging trek while providing breathtaking views. However, the canyon offers trails for every level of outdoor enthusiast, including the Overlook Trail, Waterfalls Trail, and the West Rim Loop.

In addition to its 72 tent, trailer, and RV campsites, visitors also have the option to book a stay in the park yurts. With activities like canyon climbing, caving, and horseback riding, a trip to Cloudland Canyon is sure to awaken and excite your inner adventurer.

2. Tallulah Gorge in Tallulah Falls, GA

Tallulah Falls has also been a popular pick as a place to RV around Georgia. The state park lies only a few miles west of where the Savannah and Chattooga Rivers meet to define the Georgia/South Carolina border.

Hikers can obtain a permit to trek the gorge floor, or they may test their skills on the sliding rock trail or the Hurricane Falls staircase. If a leisurely nature walk is more of your thing, the gorge has tons of other hiking trails along its rim, including the suspension bridge.

There are also tons of activities to partake in for a weekend getaway. You can try your hand at archery or take your family on a scavenger hunt with the gorge’s geocaching locations. There are also plenty of water features where you’re free to fish, swim, picnic, paddleboat, and white-water kayak to your heart’s content.

After you’ve had your fill of the great outdoors, it’s only a short trip to nearby towns Blairsville, Dahlonega, and Helen, which have tons of interesting exhibits showing off some Georgia history. Dahlonega even has a Gold Museum!

3. Cumberland Island in St. Mary’s, GA

Cumberland Island also makes our list of places to RV around Georgia. If you’re more of a coastal voyager, Cumberland Island offers tons of RV options to quench your thirst for adventure. While the island itself is undeveloped, there are tons of RV campsites near the ferry. The island also has a Leave No Trace policy, which makes for a gorgeous way to experience the seashore and Cumberland Island’s rich, and untouchable history as Georgia’s biggest barrier island.

Take a boat tour with Crooked River State Park or find tons of other places to park that offer activities like biking, boating, fishing, geocaching, and even mini golf! Learn a ton about nature around the Georgia coast at a wildlife reserve or just walk along Cumberland’s beach to catch a glimpse of the wild crabs, tortoises, herons, deer, or horses. You can even dive deep into the history of the island, from the Native American tribes that lived nearby to the Carnegie family and the island’s role in Southern history as a whole.

4. Jekyll Island in Glynn County, GA

Jekyll Island is a favorite for nature enthusiasts, whether they’re venturing out on their own or with a local school group. The island has tons of activities and trails to keep your weekend occupied.

Learn about the historic district through a golf cart tour, the island archives, or Mosaic, Jekyll’s official museum. Or take a peek at the numerous forms of wildlife found in the forests, beaches, and wildlife reserves. Even if you want to sidestep the beautiful beaches, take a stroll over to Horton Pond or glimpse a sea creature at the Georgia Sea Turtle Center.

You can pick from lots of places to RV around Georgia.

5. H. Stephens State Park in Crawfordville, GA

If you want to sneak away to a hidden gem this summer, take an RV ride over to Crawfordville, GA for a camping trip in A.H. Stephens State Park. There’s tons of history to take in and unique activities for the whole family.

This park is more for the easy-going camper who just wants to get away from it all, especially when you consider that Crawfordville is a “dark zone.” This means that the stars shine brightly almost every night without light pollution. So, you can count the constellations without interruption after a day of hiking, biking, and horseback riding in a quiet town.

6. DeSoto Falls near Helen, GA

Rumor has it that a piece of the armor of the explorer, Hernando de Soto, was found near the falls, giving the location its historic name. But whether you visit for the history or the views, you can bet you’ll have a breathtaking experience at DeSoto Falls.

The trail through the Chattahoochee National Forest to the legendary falls is lined with stunning rhododendrons. It’s fit for hiking for the whole family. The entire hike is relatively easy, so even your furry friend may be able to enjoy the walk to the park’s two waterfalls and nearby creeks, shaded by the beautiful canopy of trees along the way. And therefore DeSoto Falls makes our list of places to RV around Georgia.

7. Racoon Mountain in Chattanooga, TN

Racoon Mountain in Chattanooga also makes our list of places to RV around Georgia. If you’re up for going a bit off of the beaten path and outside of the state borders to frolic through some foliage, Raccoon Mountain Caverns & Campground might be the RV destination for you. Not only can you take in spectacular views of the Tennessee mountains, but the campgrounds offer opportunities to pan for gems! Not to mention that the area around the mountain is a state-designated wildlife observation area.

The Raccoon Mountains offer playgrounds and seasonal pools for your family outing, but there are also cavern tours and swinging/hiking bridge trails to tap into your inner mountaineer. This particular campsite is also close to other popular hiking sights such as Ruby Falls and Lookout Mountain. Plus, if you want to extend your adventure to the city of Chattanooga, there are tons of attractions that the nearby city has to offer.

8. Noccalula Falls in Gadsden, AL

Whether you know it as Black Creek Falls or Noccalula Falls, the legend of love stays the same and stays prevalent in this scenic Alabama location. The entire park emits energy of love and awe, whether that’s for your loved one, yourself, or just the beauty of nature.

You can take a walk on the wild side with 5 miles of crushed stone hiking and biking trails or take part in a bit of living history with the Falls’ theatrical production of The Noccalula Experience. The park also offers mini golf and various couples’ packages if you have a few passengers tagging along for your out-of-town RV ride.

9. Black Mountain in Pisgah Forest, NC

North Carolina is no stranger to beautiful natural scenery, but Black Mountain takes the cake! Black Mountain is considered the Cradle of Forestry. So, take advantage of the access to the Heritage site or hike up tons of hiking trail options near this part of the Appalachian Trail. The park’s campgrounds are also near the South Toe River. So, if you want a cool way to cool off, check out their options for swimming, fly fishing, and tubing as well! And that’s why Black Mountain makes our list of places to RV around Georgia.

10. Table Rock State Park in Pickens, SC

Last, but not least, Table Rock State Park can be one for the RV books – especially in fall. The view of color-changing trees far and wide can make the trek to the top of the mountain all the more worth it.

Of course, there are tons of sights to see year-round, including the park’s waterfalls and the 80-mile Foothills Trail that leads to various other state parks in South Carolina. The park also hosts a “Music on the Mountain” bluegrass concert every second Saturday of the month. Plus, Table Rock hosts various events and activities like birding, fishing, and kayak rentals throughout the entire year.

So, that concludes our list of 10 places to RV around Georgia. How’s that for a start to your summer RVing road map? Remember, before you hit the road, make sure you have the right insurance coverage for your RV. That way, you’ll be protected from whatever adventure comes your way. Call our auto insurance experts today to get the RV insurance you need while saving money for your summer road trips!

Does Atlanta car insurance cover hail damage?

If you have comprehensive coverage, your car should be covered for hail damage.

If you have comprehensive coverage, your car should be covered for hail damage.

Ironically enough, the summer months are a common time for hail. Who would have thought that frozen chunks of ice could plummet from the sky when it’s supposed to be sweltering outside? If your car lives outside and doesn’t get parked in a garage you might wonder – does Atlanta car insurance cover hail damage? It’s a fair question. Hail can wreak havoc on an unsuspecting vehicle. We’ll explain what you need to know.

Does car insurance cover hail damage?

Well, it depends on what coverage you have for your vehicle.

Here’s why:

If you have comprehensive coverage, yes – you’re probably covered for hail. But if you only have liability coverage for your car, you would not be covered for hail damage to your car. That’s because your liability coverage doesn’t cover your car. It’s meant to protect other drivers on the road from you.

There are two portions of liability insurance:

Bodily injury liability – Covers the other driver’s medical bills and pain and suffering if you’re at fault in an accident.

Property damage liability – Covers the repairs or replacement of the other driver’s car if you’re at fault in an accident (as well as other property you might damage with your car.)

Basically, liability helps cover your legal obligation to the other driver if you’re at fault in an accident. It can help you cover your legal expenses if you get sued, too. It’s your financial safety net if you’re ever in an accident where you’re at fault.

It’s not, however, your financial safety net if your car gets damaged by something like hail.

But like we said, if you have comprehensive coverage, you’re generally covered for hail damage. Hail damage can get really expensive because it pummels your entire vehicle, but comprehensive coverage can help cushion the blow.

What is comprehensive coverage?

Comprehensive coverage can help repair or replace your car if it’s damaged by something other than a collision (there’s another coverage for that, which we’ll explain in a minute.)

Losses covered by comprehensive coverage typically include:

So, yes, if you have comprehensive coverage, you should be covered for that unfortunate hail damage and you won’t have to cover all the damage on your own. You’ll probably be out your deductible, though, but better than having to foot the whole bill, right?

Now, we mentioned coverage that can help you repair your car if you’re in an accident. That coverage is collision coverage (appropriately named, right?) It goes hand-in-hand with comprehensive coverage.

What is collision coverage?

Collision coverage is the insurance that can help you repair or replace your car if it’s damaged in a wreck (or if you run into something.) Since liability coverage doesn’t protect your car, it won’t pay to repair or replace your car if you’re at fault in an accident. That’s why collision coverage is so important. It’s a way for you to protect your investment in your car.

Am I required to have collision or comprehensive coverage?

If you have a car payment, your lender may require you to carry both collision and comprehensive coverage. They want to protect their investment in the vehicle. That car is valuable, after all! And things like hail damage aren’t cheap. Make sure that you have the insurance your lender requires.

So, if you have comprehensive coverage, yes – you should be covered for hail damage. But if you only have liability coverage…unfortunately, you’re probably not covered.

Get started with Atlanta car insurance quotes by giving us a call, filling out our online form, or messaging us on LiveChat.

Atlanta car insurance 101: The complete guide to auto insurance

Test your car insurance knowledge with this auto insurance guide.

Test your car insurance knowledge with this auto insurance guide.

There’s a lot to know about getting insurance for your car. It feels a bit like rocket science sometimes, right? There are all the fancy terms, for one thing. Then there are all the coverages you need to know about, then figuring out what is and isn’t covered. There’s a lot of head-scratching and squinting. To help you absorb some of the need-to-know intel about Atlanta car insurance, we’ve put together a handy-dandy guide to auto insurance.

The complete guide to auto insurance.

  • Part 1: The car insurance glossary.
  • Part 2: Car insurance coverages you need to know about.
  • Part 3: Pro tips for getting car insurance.
  • Part 4: Exploring the factors that affect your insurance rates.
  • Part 5: How to save money on car insurance.
  • Part 6: Car insurance discounts that could help you save.

1. The car insurance glossary.

So, there are some need-to-know words that get thrown around when it comes to car insurance. Before we talk about anything else, we’ll go over some of the lingo. (Insurance-speak is kind of like another language.)

Covered loss: A loss that your insurance will help you pay for. Not all damage/expenses/losses are covered. See your policy for details.

Declarations page: A “cheat-sheet” to your insurance policy. It outlines what coverages you have, how much coverage you have, the cars that are on the policy, and how much you’re paying.

Deductible: The amount you agree to pay if you have a covered loss. You pay your deductible, insurance pays the rest up to your policy’s limit.

Limit: The maximum that insurance will pay out on the various coverages you choose.

MVR (Motor Vehicle Report): Shows your driving history (i.e. license status, traffic violations, license suspensions, accidents.) Your MVR can impact your car insurance rates.

Premium: How much you’re paying for insurance.

Primary use: What you typically use your car for (commuting, business, pleasure, farm, etc.)

2. Car insurance coverages you need to know about.

There are a lot of auto insurance coverages out there, and they can all protect you in different ways. We’ll explain a few common (and helpful) coverages.

  • Liability insurance: Can help cover your legal obligation to the other driver if you’re at fault in an accident. It can also help you cover your legal expenses if they sue.
    • Bodily injury liability: This can help cover the other driver’s medical bills and pain and suffering if you’re in an accident where you’re at fault.
    • Property damage liability: Can help with the expenses of repairing/replacing the other driver’s car if you’re at fault in a wreck. It can also help cover the costs of other property you may damage.
  • Collision coverage can help you repair or replace your car if it’s damaged in a wreck or if you, well, collide with something. (Remember, liability insurance won’t help repair/replace your car if you’re in an accident.)
  • Comprehensive coverage can help you repair/replace your car if it’s damaged by something other than a collision. Typical losses that are covered are fire, vandalism, theft, falling objects, and animal strikes. (Again, liability insurance doesn’t protect your car.)
  • Rental reimbursement can help you cover the costs of renting a car if you’re in an accident and your car has to be in the shop.
  • UM/UIM (Uninsured/Underinsured Motorist): UM/UIM insurance can help you cover your medical bills if you’re hit by someone who’s uninsured or who doesn’t have enough insurance to cover all of your expenses.

3. Pro tips for getting car insurance.

The quest for car insurance can be a daunting one. How do you know you’re doing it right? What do you need to know if you’re getting car insurance? We’ve got some tips to help you out.

Consider the coverages you want to get.

The first thing is that you need to know what kind of coverages you want for your car. What losses do you want to protect yourself and your car from? It’s really important to put some thought into how you want your car to be insured. Go over your coverage options, and don’t be afraid to ask questions.

Get lots of coverage.

The next thing to think about is how much coverage you want. It’s really important that you have high enough limits of coverage to truly protect yourself if you’re at fault in an accident and have legal obligations to the other driver.

Georgia’s minimum limits of car insurance are $25,000 of bodily injury per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability. That might seem like a lot of money, but when you start adding up the medical bills (not to mention a lawsuit) and the costs of car repairs or replacement, that’s not as much as it seems.

Anyways, the point is that you might want to get more coverage than just the state limit. You may want higher limits of liability insurance, and you might want to consider getting coverages such as collision coverage and comprehensive coverage that aren’t required by the state.

Choose your deductible.

If you set a higher deductible, you could see lower premiums. That’s because you’re less likely to file a claim. However, you have to consider your finances and choose a deductible that’s manageable for your situation. You don’t want to set your deductible too high to the point that you’d have a tough time paying it comfortably.

This auto insurance provides an overview of the basics of car insurance.

Do your homework.

Spend some time researching the carrier you’re considering. Find out if they have a good financial standing, a good record for claims handling, and good customer service.

Don’t forget discounts.

Many carriers offer car insurance discounts – yes, the kind of discount that means you save money! It’s not a trick. Find out what discounts you could qualify for and watch your bill get magically smaller. (Don’t worry – we’ll explain a few of the common ones in a second.)

Think about bundling.

Bundling is when you get your home insurance and auto insurance from the same carrier. There are a few reasons to give some thought to bundling. First of all, it’s convenient. Second, you might qualify for a pretty nice discount if you do. Carriers often have a bundling discount that can help you save money on your insurance.

Get quotes.

It’s a good idea to get car insurance quotes so you can go over coverage options and pricing. (You can get started with quotes by filling out our online form, calling us, or sending us a message on LiveChat.)

4. What factors affect my car insurance premium?

It can also be helpful to know what things about you or your car play a part in your auto insurance rates. Insurance companies look at a lot of things when they set car insurance rates, and these factors determine how much of a risk you are to insure and how much your insurance should cost. Some of these factors may be…

  • Your age: Younger drivers might get higher rates because they don’t have much driving experience (and, well, they’re possible daredevils.)
  • Where you live: Your location also plays a part in your rates. If you live in a big city, you might get higher rates than if you lived in a rural area. (There’s generally more traffic and higher crime rates in cities.)
  • Your driving history: Drivers with a record of accidents and tickets can see higher rates because they’re “riskier” to insure. Safe driving can literally pay off.
  • Your car: The year, make, model, and safety features of your car play a part in your rates.
  • How much you drive: The more you drive, the higher your chances of having an accident. The number of miles you cover and what you’re using your car for can impact your rates.
  • Your coverages and deductible: The coverages and deductible you choose can affect your premium.
  • Your credit score: Drivers with better credit scores may see better car insurance rates.
  • Your marital status: If you’re married, you may get lower car insurance rates.

5. Tips to save money on car insurance.

So, here’s an important query as far as car insurance is concerned: how can you save money on your premium? Are there any tips to help your car insurance bill get smaller? Indeed – there are.

Drive safe.

As we explained, your driving record can have a big impact on your rates. Drive safe and keep a clean driving record – your bank account will thank you. Safe drivers often get lower insurance rates.

Have the right deductible.

You might be able to lower your premium by raising your deductible. But don’t outsmart yourself and set your deductible so high that you’d be in a real pickle if you had to pay it.

Think about what car you drive.

If you drive a safe car, you may get better rates.

Use car insurance discounts.

The definition of discount is to get a lower rate, right? So lower your premium by asking about discounts. It’s amazing how savings can add up.

Get quotes.

You don’t have to settle for the first car insurance company you find.

6. Car insurance discounts.

Different insurance companies have car insurance discounts that can really help drivers get lower rates. Here are some of the common discounts that are out there:

  • Multi-car discount: If you insure more than one car with the same carrier, you could get a discount.
  • Bundling: Save money by getting your home insurance (or renters insurance) and car insurance from the same carrier.
  • Safe driver: Your carrier may offer a discount if you go a certain amount of time without a claim.
  • Automatic payments: You might get a discount for setting up automatic payments for your premium. Insurance companies like knowing they’re going to be paid on time. You could also get lower rates by going paperless and handling your payments online.
  • Paying in full: You might get a lower rate by paying your premium all at once instead of in monthly installments.
  • Low mileage: If you don’t drive a lot, you could get a discount.
  • Good Student Discount: Teenagers and young adults can get a Good Student Discount for making good grades in high school or college. (Students with higher grades are less likely to get into accidents.)

So, that’s our guide to auto insurance in a nutshell. Your auto insurance is there to help provide a financial safety net. Driving is risky – it’s important to protect yourself. Make sure you have the right car insurance so you can hit the road with peace of mind.

Get started with Atlanta car insurance quotes by filling out our online form, calling us, or messaging us on LiveChat.

6 summer driving hazards to look out for in Atlanta

Summer driving comes with some unique hazards.

Summer driving comes with some unique hazards.Everyone knows about the hazards of driving in cold weather, but there are a lot of dangers that drivers overlook during the summer. Temperature changes can affect your car and your driving ability no matter what the extreme. So, it’s vital to understand all the risks in extreme weather seasons like winter and summer. So, here are 6 summer driving hazards to look out for, whether you’re going on a trip or getting to and from work.

6 summer driving hazards to look out for this summer.

1. Glare

Just because you’re not staring directly at the sun doesn’t mean it can’t damage your eyes and become a summer driving problem. Although asphalt is a pretty dark material, it has the uncanny ability to reflect the sun’s rays. Those rays can bounce back into your windshield and spread out over the glass, making everything you see seem washed out. This vision wash-out can quickly tire out your eyes and even cause vision damage if you’re exposed to it for a long period of time.

So, be sure to protect your eyes with the proper sunglasses, especially if you’re on an elongated road trip or if you have a long commute. Look for sunglasses with UV A, B, and C protection, and purchase glasses with polarized lenses if you can. The UV protection can help protect your eyes from visual diseases and the polarization of the lens will cut the glare from the road and keep your eyes focused on the colors, lights, and signs that you’ll need to focus on.

2. Road blindness

Speaking of concentration, don’t fall victim to road blindness – basically where you’ve been driving for so long that everything starts to blur together. You may think that the tons of fast-moving cars around you are enough to keep you alert, but brains are tricky. Especially on long trips, your brain can start to filter and ignore the constant view of the cars and the markings on the road as white noise. Your body can then fall into a routine instead of taking in all of your surroundings while driving to avoid obstacles.

To prevent road blindness on road trips, take at least a 15-minute break every one or two hours to allow your eyes to adjust. It’ll be a great opportunity to stretch your legs and return your focus.

3. Mechanical issues

Make sure your car is prepared for summer driving. Even if your car is built to navigate through the roughest terrain, all vehicles can fall victim to a rise in temperature. Hot air can cause rubber to weaken and air to expand. So, it’s vital to not only regularly check your tire pressure, but to make sure that you have a spare tire and the proper tools and knowledge to change it if need be.

Additionally, regular maintenance is important. If it’s been a while since you’ve had a tune-up, take your car to a trusted mechanic to make sure there are no holes, cracks, or leaks in your car’s hoses, belts, and fluid tanks. Have them check your tire treads and brake pads so that you can replace anything that’s in danger of losing traction, especially in inclement weather. Regular preventative maintenance now can mean avoiding a hefty auto repair bill later.

4. Harsh weather

Even though we think of the summer season as bright, clear skies and hot weather, the occasional flash flood may pop up. In fact, both hurricane and hail seasons start during the summer. So, keep an eye on weather forecasts and keep a solid disaster plan nearby for any (literal) rainy days. Plus, disaster kits aren’t just for your home. Make sure to keep items like:

  • A rain poncho
  • A flashlight
  • A reflective vest and triangle
  • A first-aid kit
  • Emergency water

in a safe and dry place that’s easily accessible in your car in case of emergency. Overall, if the weather looks too bad, postpone any trips that aren’t absolutely necessary. If you’re already on the road when a storm hits, don’t be afraid to pull over onto a shoulder or obey radio traffic safety instructions until you feel comfortable getting back on the road. Weather can become a big summer driving hazard.

5. Distracted/Drunk drivers

Summer can be the time for some people to get a little wild and carefree. School is out and many people can choose to take vacations to unknown locations that may just include Atlanta.

While you can’t do anything about their choices and driving behavior, there are certain actions you can take to keep you and your family safe.

  • Know the signs of drunk and/or distracted driving. Move over and away from drivers who are swerving, suddenly braking, or jerking their vehicle to course correct.
  • Try to drive in the middle or right-most traffic lanes. This will put you farther away from any reckless drivers on a two-way street that may cross yellow lines.
  • Be patient. Whether they have out-of-town license plates or not, you may be dealing with a new driver or someone who just isn’t familiar with the area. Give other cars enough room to merge, stop, and navigate safely.

6. Construction, roadwork, and traffic

These three things aren’t new concepts to Atlantans, but it bears repeating that summer can be peak season for major roadwork. Again, it’s important to be patient whether you’re commuting to work or traveling in or out of the city. Take special notice of roadwork signs, especially those for closed lanes – which can back up your normal traffic route, and workers on the side of the road. If you have to drive through one of these work zones, give yourself a little extra time to get where you’re going or search for a different route around the construction.

Hopefully, these tips will help your summer stay fun and free from accidents. By staying alert, maintaining your vehicle, and getting the right auto insurance coverage, you’ll be able to travel almost anywhere safely and soundly throughout the city.

Plus, when you work with our car insurance experts, you can get great rates on the coverage you need, no matter where the roads may take you. Call us today, fill out our online form, or LiveChat with an agent now to start saving tons on the best car insurance for you.

11 motorcycle safety tips

Motorcycle safety is extremely important.

Motorcycle safety is extremely important.

Buying a motorcycle can be the end goal to a lifelong dream, or maybe you just want a zippier way to get around town. Whatever your reason, a motorbike can be a rewarding mode of transportation. However, riding can be quite dangerous. So, it’s more important than ever to know how to stay safe while riding your motorcycle. Here, we’ll take on some of the most vital safety tips for your motorcycle trips.

11 motorcycle safety tips.

1. Take the right courses

Just as there are drivers ed courses, motorcycle education courses can teach you the ins and outs of your motorbike, plus how to operate it safely. Like most drivers’ ed classes, these courses will have written and on-the-road tests to gauge your skill level and qualify you for the proper license. To get the most out of your course, make sure you find a school that is supported by the Motorcycle Safety Foundation and/or has a Rider Education & Training System (RETS) curriculum.

2. Get the right license

While it may not be mandatory to obtain a motorcycle-specific license, the safest practice for operating a motorbike will be to take the proper courses and obtain a motorcycle-specific license. Typically, these licenses are classified as M1 or M2 licenses and should be obtained in addition to your Class C drivers’ license. Some states have different requirements in order to get your motorcycle licenses. However, they may also give you the option to skip the written and road tests for the license if you take the proper courses. So, check your state laws for motorcycle licensing. (Georgia, by the way, has a Class M motorcycle license.)

3. Always wear motorcycle safety gear

This may or may not go beyond just a helmet. Make sure that when you ride, you’re wearing gloves, pads, and proper clothing. Safety gear like helmets should always be checked for cracks, rips, and imperfections that could compromise the effectiveness of its protection in a crash. Make sure that your safety gear fits snugly, but not so tight that it impairs your movement on the bike.

Long-sleeved shirts and long, think pants can be helpful in an accident, but also while riding your bike. Pants made with thick/durable materials (like a sturdy set of jeans) can reduce the risk of skin burns from parts of the bike that get too hot. Long-sleeved tops or jackets can create a barrier in an accident and prevent more severe cases of road rash.

4. Don’t drive under the influence

Driving a motorbike requires you to be even more alert and aware of other drivers. Motorbikes are obviously a lot smaller and offer a lot less protection than the cabin of a four-wheeled vehicle that’s surrounded by metal. So, make sure you’re not altering your senses by operating your motorbike while under the influence of drugs or alcohol.

5. Practice, practice, practice

Again, this goes beyond when the bike is actually in motion. Know where the various gears and controls of your bike are. Practice using and switching between them while your bike is turned off and safely parked.

You can consider taking a motorcycle safety course.

6. Follow the speed limit

It might be tempting to give the throttle all you’ve got, but speed limit signs are there for a reason. They were designed to be the best speed for that specific road in ideal conditions. So, keep an eye on your speedometer and be even more cautious when conditions on the road are less than ideal. This is an essential motorcycle safety thing.

7. Look out for hazards

Again, motorcycles are a lot smaller and offer a lot less protection than the cabin of a car. This means that small inconveniences to a car can cause much bigger problems for a motorbike. So, keep a close lookout for road hazards like debris, animals, potholes, cracks, bumps, and uneven spaces in the road. Pay attention to warning signs and learn the proper defensive riding techniques to safely avoid these hazards if you find yourself face to face with one.

8. Be hyper-aware of other drivers.

Remember, drivers of four-wheeled autos don’t have the full field of vision that you would on a motorbike. Try to stay out of vehicles’ blind spots (especially larger vehicles), avoid riding too close to vehicles, and pay special attention to how the drivers around you maneuver. Give yourself plenty of stopping distance between cars and plenty of room to account for erratic driving behavior.

9. Make your intent clear

Although a motorbike is small, avoid weaving between traffic and squeezing through tight spaces on the road. Most states inform drivers to give motorcycles the same space that they would give another car. So, do your best to define your motorbike’s “bubble” and drive according to the space you need.

Use your turn signals while turning and merging, and make sure you give the drivers around you enough notice of your intent to move.

10. Be especially careful when carrying passengers

Finally, if you’re taking someone else along for the ride, take special care to follow all traffic laws and safety measures. Make sure they know the rules of your bike and proper motorcycle safety as a passenger. You’re responsible for their life too if they’re tagging along!

11. Get the right motorcycle insurance

Unfortunately, accidents do happen, and with a motorcycle, those accidents can have more severe effects on everyone involved. So, you want to make sure that you have the proper coverage to protect yourself from anything that comes your way, on or off the road.

Our insurance experts know exactly what types of coverage you’ll need for your motorbike and your unique riding situation. We also know the best ways to save you money on only the coverage you need. So, stop missing out on great savings on quality motorcycle coverage. To start getting cheaper rates on the motorcycle insurance you need, give our insurance specialists a call, fill out our online form, or LiveChat with an agent today!

How does Atlanta motorcycle insurance work?

It's important to get the right motorcycle insurance to protect your bike.

It's important to get the right motorcycle insurance to protect your bike.

Maybe you’re a big fan of motorcycles and your preferred method of travel is cruising along on two wheels in the fresh air rather than being trapped in a four-wheeled vehicle. But the question is how to do you insure a motorcycle? Well, with motorcycle insurance, of course! How does that work? It’s similar to car insurance, but there are a few extra things to know. We’ll explain what the deal is with motorcycle insurance in Atlanta.

What coverages do I need for my motorcycle?

It’s important to cover all the bases when you insure your bike. Here are a few coverages to consider:

Liability:

Many states require drivers to carry liability insurance to cover bodily injury liability and property damage liability. It helps to cover your legal responsibility to the other driver if you’re at-fault in an accident. It can also help cover your legal expenses if you get sued.

Bodily injury liability – This generally covers the other driver’s medical expenses, pain and suffering, and lost wages.

Property damage liability – This generally covers the repairs to the property of others – for example, the other driver’s car, a fence, or a house.

Collision coverage.

Collision coverage helps to cover damage to your motorcycle if you’re in an accident. You’ll probably pay your deductible and the insurance generally covers the book value of the bike before the loss.

Comprehensive coverage.

Comprehensive coverage helps to cover damage to the motorcycle that wasn’t caused by a collision. For example, fire, theft, and vandalism are typically covered losses. Again, you’ll have to pay your deductible and your insurance will generally cover the book value of the bike before the loss.

Uninsured/Underinsured motorist coverage.

This can help cover damage to you and your bike if a driver who doesn’t have insurance (uninsured) or who doesn’t have enough insurance to cover all of the damages of the accident (underinsured) hits you. It can cover things like medical payments, lost wages, or other damages. Many drivers hit the road without insurance or with very little insurance.

Optional equipment coverage.

So, here’s the thing: your collision or comprehensive coverage will generally cover only factory-standard parts. So, that means if you’ve customized your bike, you may want to ask about optional equipment coverage. It’s fun to customize a bike and all that, but make sure you’re insuring the bike so that you’re protecting the investment you’ve made in it.

What is a lay-up insurance policy?

The thing about motorcycles is that they’re fair-weather vehicles. Which means that you might not be cruising around on your bike if it’s the middle of winter, drizzling cold rain, or even flurrying. (Even in Atlanta, it gets cold enough to make motorcycling not enjoyable.)

So, you might be wondering why you need to pay for insurance when your bike is in storage.

With a lay-up insurance policy, all coverage but comprehensive is suspended for a certain period of time. That way your bike is still protected against losses like fire, vandalism, and theft. The coverage is, therefore, a bit more tailored to your motorcycling habits and takes into account the fact that you might have your bike in storage for part of the year.

Tips to save money on your motorcycle insurance.

So, you love your motorcycle. But the thing is that you don’t want to break the bank paying for motorcycle insurance. How can you save money on motorcycle insurance? Here are a few helpful tips:

Raise your deductible.

You can save money on your insurance by raising your deductible (which is the amount of money you agree to pay if you have the claim.) If you raise your deductible, you’re less likely to file a claim, so you could get lower premiums. However, it’s important not to set your deductible so high that it would be a big problem to pay if you have a claim. Find your deductible/premium balance.

Keep a good driving record.

If you keep a good driving record, you could get lower rates. That’s because, to an insurance company, drivers with clean records are less likely to get into accidents.

Take a motorcycle safety course.

Driving a motorcycle is not the same as driving a car. If you’ve taken a safety course, you’re showing the insurance company that you’re responsible – and that you know what you’re doing.

Get an anti-theft device.

An anti-theft device could help you get lower insurance rates because the whole idea is to reduce the chance of the bike getting stolen.

Ask about multi-policy discounts.

You could also save money by getting multiple lines of coverage from the same insurance company. Lots of insurance companies have multi-policy discounts.

Get started with motorcycle insurance quotes by filling out our online form, giving us a call, or messaging us on LiveChat.

Does my car insurance cover a hit and run?

UM/UIM coverage can help you if you're the victim of a hit and run.

UM/UIM coverage can help if you're the victim of a hit and run.Hit-and-run drivers aren’t the most responsible people in the world, and they can leave you with a massive medical bill. In a typical accident, those bills could be handled by the other driver’s insurance company. But if there’s no other insurance company to contact, who’s in charge of paying for your expenses? Here, we’ll take a look at how your car insurance might be able to cover a hit and run or if you’ll have to pay for everything yourself.

Will my car insurance cover a hit-and-run?

Usually, UM/UIM insurance is used for drivers that hit you and don’t have enough insurance to cover your medical expenses. However, hit-and-run drivers can also be covered under the “uninsured” portion of the coverage.

Think about it: If someone hits you and speeds off, you don’t have any way of contacting their insurance company. So, there’s no one to help you pay for your medical bills and other expenses resulting from the accident. That sounds a lot like an uninsured motorist, who also won’t have any insurance info to give you or your auto insurance company.

It’s important to note, though, that UM/UIM coverage isn’t the same as your collision and comprehensive car insurance. Those coverages work a little differently.

Will my collision or comprehensive insurance cover a hit-and-run?

Collision insurance is typically used to cover the damages to your car in the event of an accident, whether you’re found to be at-fault or not. So, if you’re the victim of a hit-and-run, you may be able to get the damages repaired under this coverage even if the other driver is long gone.

Comprehensive coverage is usually used for if something else damages your car besides another driver. Namely:

Technically, another driver that doesn’t have insurance won’t fall into the category of what comprehensive insurance covers. So, a hit-and-run driver probably isn’t covered by that either.

Pro Tip: Georgia doesn’t require collision and comprehensive coverage, which can help cover your car in an accident. However, you may have been required to get this coverage to get a car loan. So, check your policy.

So, what do I do if I was in a hit-and-run-accident?

Don’t leave the scene.

Even if the other driver sped off, don’t leave the scene. The position and location of your car could be important to the police report or your insurance claim later. If staying in the same spot as the accident is dangerous or will block traffic, try to pull into a safer place like a parking lot, a road shoulder, or a turn lane while you call the police.

Call the police.

Even if the damages or the injuries were minor, responders still recommend calling 911. The operator can tell you whether or not it’s an emergency situation or if they will just send an officer to the scene. Regardless of the response, it never hurts to have an officer respond and to have a police report to file with your insurance claim.

Pro Tip: If you see a hit-and-run, and you can’t stop to be a witness, call 311. The 311 operator can then either transfer you or give you the number for your local traffic non-emergency line.

Take pictures.

When it’s safe to do so, it’s vital to take pictures (or even video) of the damages and any injuries you may have. It’ll help you file a more accurate insurance claim and get the proper payout or reimbursement. Make sure the footage and photos are kept somewhere safe and secure, like an external hard drive or a cloud service like Google or iCloud for easy reference.

Gather information from witnesses.

If there are any witnesses that are willing to stick around until the police come, write down or record their account of the incident. Also, write down their names and best contact numbers in case your insurance carrier, the police, or your lawyers need a second-hand account.

Keep a record of your medical expenses and treatments.

If you notice any bumps, bruises, broken bones, aches, or pains within 2-3 weeks of the accident, be sure to document any medical treatments, medications, or physical therapy costs you have as a result of the injury. Keep track of how the injury affects your state of living as well. This can help your auto insurance more accurately pay for the results of the accident.

Get a property damage evaluation.

An insurance adjuster may come to evaluate the damage to your car. If you disagree with their repair cost estimate, feel free to get a second opinion from a repair shop or a mechanic that you trust.

Make sure that you have UM/UIM coverage BEFORE the accident.

Overall, you’ll want to consider UM/UIM coverage before you’re involved in a hit-and-run. That way, you can rest easy when you drive, even if someone were to hit you. Make sure the coverage limits fit the value of your car and any injuries you might have so that your car insurance can work for you, not against you.

We know how important it is to have the right car insurance coverage to fit your needs and your situation. We also know that it’s not fun to spend a fortune on your coverage. So, give our insurance experts a call. We’ll help you find the best rates on the auto insurance you need. All you have to do is give us a call or fill out our online form to make sure you’re not missing out on the rates and coverage you deserve.