Can Auto Insurance Coverage Be Reduced While Financing?

If you are currently paying for auto insurance, you may have a situation where you need to adjust the level of coverage that is in place. In most cases, this is easily accomplished with either a phone call or a consultation with the insurance agent in person. Situations change when it comes to auto insurance, so having flexibility makes keeping coverage that suits current needs ideally. 

Auto Insurance Changes

Auto insurance coverage and premiums can change over the course of the term. The best way to make those changes is to call the agent and explain your situation so they can help identify what type of coverage and adjustment works best for a situation. Those who are currently in the market for top quality, flexible coverage in the Blue Ridge, GA area, should reach out to the agents at  The Insurance Mart for more details about the auto insurance coverage options they offer. Their agents work closely with the customers to ensure they are getting the right coverage and have all the information they need to make an informed decision. 

Top Quality Auto Coverage

Having reliable auto insurance in place is the best way to protect your investment and protect you from liability while out on the open road. In addition, having an agent to help you make adjustments to the policy as necessary will also help keep protection levels ideal. Get the coverage you need as well as top-rated customer service that will make the process of purchasing and changing coverage simple and convenient. 

Those who are in the market for good auto insurance coverage should call or stop by The Insurance Mart, serving the resident of Blue Ridge, GA to find out more details. 

Understanding Georgia Minimum Auto Insurance Requirements

While you have to get auto insurance in order to register your car in Georgia, the minimum requirements for a valid policy may leave you spending more money than you expect when you need insurance the most. At The Insurance Mart servicing Blue Ridge, GA we take the time to make sure you get the coverage you really want, need, and can afford.

Minimum Liability Pays Them–Not You

A minimum auto insurance policy provides you with protection in the event that you cause an accident. The driver of the other vehicle will be paid up to $25,000 for their medical bills and up to $25,000 to fix their car and property. It does not help you get your car back on the road or take care of your injuries. While this is valuable protection for your bank account, it may not really provide the assistance you need to carry on with your busy life.

Get Your Ride Fixed when You Add Collision and Comprehensive

If you want to make sure that you can afford to get your vehicle fixed after a fender bender, consider adding collision or comprehensive protection to your policy. You will still pay your deductible on each claim, but your insurance can help to defray the cost of a new bumper, replacing a wheel, and erasing the damage with a new paint job.

Fact Check: Will the Minimum Cover Their Costs?

Finally, you must consider if the minimum protections will actually take care of the other people affected by the event. If your Blue Ridge, GA neighbors all drive fancy sports cars or SUVs, and their vehicle is totaled by your actions, you could end up paying the additional cost of replacing their ride. Talk to your agent at The Insurance Mart to make sure your auto insurance has all the protection you really need.

Insurance to Protect You and Your Vehicle

There are many reasons to get auto insurance and of course, it is the law. All of those reasons are also good reasons and of course, it is the law! It really doesn’t matter what type of insurance you need or want, if it is the state minimum legal coverage or full coverage for that new classic Mustang you just bought, the right policy will depend on you and your car.

Insurance to Protect You

When it comes to an automobile accident, there can be many different concerns. Helping you with medical expenses, paying for damages or for other costs related to an accident, the right auto insurance will be there to assist you and help with those burdens. This is first and foremost, about keeping you safe from medical expenses to repair costs.

Insurance to Protect Your Vehicle

According to one report, more than 25% of the drivers in Florida are uninsured. Georgia fares better at 12% but that still means for our customers in Blue Ridge GA and the surrounding areas, more than one in ten drivers are without automobile coverage! So in order to protect that new classic Mustang or your favorite ride, The Insurance Mart is here to help you find a policy and plan that fits. Car repairs can get costly and obviously, nobody wants to have a car totaled but if we do, there is insurance for that.

If you live in the Blue Ridge, GA area and are looking to compare, update or shop for new automobile insurance, contact us today. The Insurance Mart is here to keep you legal, help you find the right policy and to protect you and your vehicle.

FAQ’s About Auto Insurance

Auto Insurance is a legal requirement in Georgia. It cushions you financially after an insured event occurs. These events include legal suits, accidents and weather damage. Here are some FAQ about auto insurance in Blue Ridge, GA. 

Is it necessary?
Most states require that you have at least a liability insurance cover in place before you begin driving. Georgia is no exception. Driving without an insurance policy is illegal predisposes you to financial vulnerabilities due to accidents.
How does it work?
Having an auto insurance policy in place guarantees that you will be covered in case of damages to your vehicle due to collisions or other incidents or if your vehicle is stolen. An auto insurance policy covers you if your vehicle destroys other people’s property. 
Why are auto insurance policies different?
Apart from being provided by different insurance providers, the premium rates are influenced by factors such as your age, your claim history, the average annual distance you intend to cover, where you live, the vehicle’s model, your credit history, among other factors that your insurer will discuss with you. 
What are the auto insurance discounts I am eligible for?
Most insurance providers give discounts such as; good driver discounts for drivers who stay accident-free for a given period, multi-car discounts if you insure several cars with the same provider, or even multi-policy discounts if you have several policies within the same company. Consult with your service provider on what discounts you are eligible for. 
What if I forget to pay my premium?
First offenders are in most cases given a warning from the insurer. Should this happen again you risk to have your policy canceled.  

Interested in buying an auto insurance policy in Blue Ridge, GA? Get in touch with The Insurance Mart for a free estimate. 

What Type of Coverage Is Best for A Show Car?

Residents who own show cars in the Blue Ridge, GA area need to make sure they have sufficient insurance coverage. The agents of The Insurance Mart can determine what type of coverage you need to protect your investment. Classic or "show" cars are the vintage antiques of the auto industry. From stylish sedans like the ’57 Chevy Bel Air to the strong and powerful muscle cars, these vehicles represent a small glimpse of automotive history.

The Value of the Car

Cars that have been restored will vary when it comes to their value. A classic car that was rebuilt using aftermarket parts will hold less value than one that was restored using all OEM parts. A car with parts made from the original molds used by the manufacturer will be worth much more and should be insured at the highest value possible. This protects you from losing your investment if the vehicle is ever damaged or stolen.

Driven or Stored

In most areas, you will need the same level of insurance no matter if it’s driven or stored and trailered to events. To be fully covered, the insurance policy will be based on the value of the vehicle, but will also provide minimum liability protection against bodily injury and property damage. This also allows you the opportunity to drive it on public roadways, even if it’s only to be used in parades or as an escort.

At The Insurance Mart, the agents are able to help you find the approximate value of your classic car and help you to get the insurance you need to protect it. If you live in the Blue Ridge, GA area and have a muscle or classic car that you want to insure, call the office today and schedule an appointment at your earliest convenience.

What Are The Requirements Need For A Car To Be Considered A Classic?

Classic cars can be found at car shows, but they are also becoming more common the roads as well. Owners often spend thousands of dollars restoring these older jewels in the crown of the auto industry. It’s important to know what makes these cars so special. A classic car isn’t just an old vehicle that someone decided to fix up.

What Makes It A Classic?

Classic cars belong to different categories, just like newer models. Residents of Blue Ridge, GA can ask the agents at The Insurance Mart if they questions about whether or not their car is considered to be a classic. One of the most popular categories is the muscle car group. The Chevrolet Camaro, Ford Mustang, and Dodge Charger are just a few of the cars that made it into this category. Known for their speed and overall power, these three vehicles were the powerhouses of the auto industry in the late 60s and early 70s.

How Is A Classic Car Insured?

Classic cars are insured in much the same way as any other automobile. The amount of insurance you purchase is based on the value of the vehicle and what it would cost to repair it if it was damaged in any way.

At The Insurance Mart, residents in and around the Blue Ridge, GA area can schedule an appointment to determine whether or not their car meets the guidelines to be considered a classic. They can also help you find the right type of policy that will cover your car if you choose to put it in car shows or drive it on a daily basis. Call the office today and schedule an appointment to get the answers you need!

Rules for a Good Defensive Driver

Everyone needs to learn how to be a good defensive driver. Knowing what to do makes the roadways safer and help to prevent unnecessary accidents. In Blue Ridge, GA, the independent insurance agents at The Insurance Mart would like to share a few defensive driving techniques that will make you a better and more conscientious driver.

  1. Increase your visual field. Many new drivers only look at what is directly in front of them. So, they only see the taillights in front of them. This could be dangerous if you aren’t focusing on what’s ahead. If traffic conditions change up ahead, you will be able to see it coming and prepare to slow or stop your vehicle.
  2. Always have an escape route. It may take some time to learn this, but as soon as you’ve been in a close call, you’ll understand why it is necessary to have an escape plan when you’re driving. For example, the semi-truck in front of you has a tire that blows out suddenly. Having several feet of distance between you and the truck will give you the right amount of time to escape a collision.
  3. Eliminate various driving distractions. The biggest driving distraction in recent history is the cell phone. It is easy to think that you’ll be quick and reply to a text message, but it only takes a second for an accident to occur.Other distractions that you should avoid include eating, drinking, changing your music selections, adjusting your seat belt, and disruptive passengers.

If you are in the Blue Ridge, GA area, come in and talk with our agents at The Insurance Mart. We can discuss new auto policies or adjust your current coverage. We can also get you started on any home, commercial, recreational vehicle, life, health, or renters insurance policies that you may need.

Driving tips to keep you safe on the road and your auto insurance low

If you live in Blue Ridge, GA, then you will almost definitely need a car to get around really. And if you have a car then you will need auto insurance, preferably through a local broker like The Insurance Mart who serves the local Blue Ridge area. However, some people don’t get insurance or underinsure themselves which can leave them vulnerable to financial ruin if they have an accident or are not covered enough to allow the insurance being able to pay for everything associated with the accident. Below are some tips for people to keep their monthly premiums low and affordable.

ADD MORE PEOPLE TO YOUR POLICY

The more people you have on your policy who have good driving records, you will get lower premiums overall if everyone is splitting the cost of the insurance equally. So if you have others in your family who need insurance, get on the same policy so you can get better rates. The more, the merrier and cheaper.

DRIVE A SAFER, LESS EXPENSIVE VEHICLE

Safer vehicles that are not very expensive to fix will yield a lower insurance premium as well, as it will not be as big a risk for the insurance policy. So if you are considering purchasing a car, know that a safe, less expensive car will save you money in the long run in your insurance premium as well.

ANTI-THEFT DEVICES

Just having an anti-theft device will cause your insurance premiums to be less expensive, as it will allow the police to find your vehicle if it is stolen, or keep someone from stealing it in the first place. So the cost of getting an alarm or tracking system on your vehicle will save you money on auto insurance in the long run.

Auto Insurance Basics to Consider

When looking for car insurance, many factors influence the price that you pay for your premium.  Some factors are unchangeable such as your age and if you are a are male or female.  However, there are other factors in wich you can control:

Accident History
The number of insurance claims presented in past years can have an effect on your premium.  If you have a history vehicle accidents, the insurance company will want to look at your driving record and understand who or what has caused the accidents.

Ticket and DUI History
If you have been pulled over by the police many times for speeding and it has resulted in your receiving tickets, this too will push your premium high as you are considered a risky driver.

If you have received a DUI, this stays on your record and can affect the insurance premium for up to 10 years.  If you have received multiple DUIs, many insurance companies will refuse to provide insurance at all.

Residence
Where you call home can affect the premium if the area has a record and high risk of theft or vandalism. Those living in a busy urban area will experience an increase as compared to those in suburban or small town residentials areas.

On the flipside, if you live in a suburban or small town and drive a distance to get into the city to work, this is also taken into consideration because of miles were driven to get to work as well as where the vehicle is parked during work hours.

To discuss your insurance needs and receive a quote, call The Insurance Mart in Blue Ridge, GA to learn more.

How will smart security devices affect your home insurance?

For many years, homeowners have installed alarm systems on their doors and windows, sometimes connected with a service that summons the police if a break-in occurs, and some insurance companies have given a discount on home insurance as a result. Now, a whole new generation of smart home security products is being rolled out, including smart security cameras and smoke detectors, and a device that will allow you to answer the door from your smartphone, even if you are not at home.

The question arises, will all of this new technology enable you to get a break on your home insurance? According to a recent article in Digital Trends, probably not – at least for now.

While most people surmise that smart security devices will cut down on losses that are due to burglary and fires, the data right now is lacking to make such a conclusion. Insurance companies calculate risk according to data, in this case, whether or not such devices reduce risk. Without the data, your insurer simply will not be able to give you a discount on your premiums.

On the other hand, various experts agree that the introduction of such devices will show a reduction in risk for your home over time. However, it may take as long as a decade for the data to come in and for insurance companies to take that into account when calculating risk and premiums. In the meantime, you should feel free to install as many smart devices in your home as your budget allows. Losses from fire or burglary are a hassle, even if they are insured.

For all questions regarding home insurance, feel free to contact The Insurance Mart serving Blue Ridge, GA.