Auto Insurance: What Are My Options

It’s important to buy auto insurance in Ball Ground, Georgia. Throughout this area, there are many major intersections and you may find yourself doing a lot of commuting. Regardless of how much time you spend on the roads, auto insurance is a requirement.

There are many options for you to explore to have sufficient coverage. Georgia requires a minimum level of liability insurance for both bodily injury and property damage. The liability insurance will pay damages to others up to the policy limit.

You have a decision to make with liability limits. You can choose to obtain the minimum as required by the state or obtain more. It can be advantageous to explore larger liability limits in the event that an accident has a high amount of damages. You don’t want to be financially responsible for anything that your policy doesn’t cover, therefore you need to explore the options within an insurance policy.

At The Sanford Group, we can help you to learn more about the options for auto insurance in Georgia, even beyond what the state minimums are. You may want to explore collision and comprehensive coverage, uninsured and underinsured coverage, and much more.

Once you call to tell us about your car and your driver’s history, we can provide you with some of the options and make recommendations to give you the max level of coverage. Our independent agents will get quotes from multiple companies so you can make comparisons and establish an educated decision as to the level of coverage and to which company you want to obtain your policy from.

Call now to talk to one of our agents so you can learn more about auto insurance in Ball Ground, Georgia. We will make comparisons and help you every step of the way.

 

3 Things to Know About Your Georgia Business Insurance

We have virtually all types of businesses in Georgia. From worldwide corporations in Atlanta to farms in our rural areas, our economy is as diversified as ever. We have even added automotive production as a growing sector. More businesses are discovering what a great place our state is to set up shop.

If you are a business owner in Georgia there are three things to know about your commercial insurance. Knowing these three will ensure you are properly covered while saving the most money.

  1. Know the difference between Basic Form vs Special Form property insurance. Basic Form insurance specifies what perils are covered under the policy. Special Form insurance covers all perils to your property unless they are specifically excluded. It is a big difference that can cost you if you are not aware. Most businesses prefer the broader cover of Special Form insurance.
  2. You should know that insurance agencies are defined in one of two categories. There are captive agencies, and there are independent agencies. Captive agencies are branded by the insurance company they represent, and they only sell that one company’s products. Independent agencies have the ability to search from multiple carriers, providing clients with a wider range of choices.
  3. Getting a review of your commercial insurance can make sure you have the coverage you believe you do. Businesses change. You should know if your commercial coverage is keeping up. An insurance review is free and there is no obligation.

Sanford Group Insurance is an independent agency that will be more than happy to review your commercial coverage with you. We’ll help you understand where you are, and aren’t covered. If you like, we can search our network of insurance providers to locate a better price without sacrificing coverage.