Getting Auto Insurance for Your New Car

It is exciting to think about getting a new car. Before you rush off to the dealership, take a moment to consider the auto insurance as well. It will be helpful for your monthly budget to know the total amount you need for the car payments plus the insurance premiums. Depending on the type of vehicle you are considering, these amounts may differ significantly.

Why Getting Auto Insurance from a Car Dealership is Not a Good Idea

The main goal of the salesperson at a car dealership is to sell you a car and then add on as many extras as possible. A dealership is not permitted to let a vehicle that they sell drive off the lot without it being covered by auto insurance.

That does not mean that the auto insurance offered by a car dealership is a good one or that it is priced well. In fact, the dealership is likely to get a commission/kickback for placing the insurance with certain underwriters. This may add to the price for the insurance.

On top of the questionable quality issues, buying auto insurance through a dealer is not the same as having personal attention from an agent at The Sanford Group, serving Ball Ground GA and the surrounding communities. It is a better idea to make direct contact with an agent who can serve your needs and will be able to help you in the future if something comes up

Get Auto Insurance Lined Up In Advance

By calling your agent before you make the car purchase, your application information can be entered into the system and ready to go. Then, all you need to do is call the agent from the auto dealership and fax the agent a copy of the purchase agreement with the VIN number, year, make, model, and the purchase price to get auto insurance coverage.

Get a quote for new auto insurance by calling 678-454-0661 to speak with an agent at The Sanford Group in Ball Ground, GA or if you prefer, you may use the convenient online form.

How Home Renovations Affect Home Insurance

Summer is a great time to renovate your Georgia home, making it a more comfortable, functional abode for your family. Before tackling home improvements, however, talk to your insurance agent from The Sanford Group in Ball Ground, GA about how renovations will affect your home insurance coverage. Here are a few ways major renovations could affect your policy.   

Raise Property Value  

Major renovations such as a kitchen remodel or adding a back patio for BBQs can raise the value of your property. If the new value of your home exceeds the limits of the dwelling coverage on your current policy, you’ll need to extend these limits to protect your investment. This requires an update to your policy. Ideally, your dwelling insurance should cover the cost of rebuilding your home if it suffers a total loss in a covered peril. Anything less could result in your paying the difference out-of-pocket.

Raise Home Insurance Costs

Home renovations need to be added to your insurance policy to be protected along with the rest of your home. Some renovations can increase your home insurance costs. Renovations that add more livable space to your property, i.e. new patio, new bathroom, home office, need insurance protection against damage, theft or liability risks, increasing insurance costs. If you invest in new goods for your renovations such as new appliances, electronics, etc., these also need protection, increasing the cost of your personal property coverage.

Reduce Home Insurance Costs

On the flip side, some renovations such as upgrading your electrical, HVAC or plumbing systems, could reduce your home insurance costs as they reduce your risks of damage due to accidental fire or water leakage. Safety features such as a new security system could also reduce your home insurance rates.

To learn more about home insurance options, coverage and costs, contact The Sanford Group in Ball Ground, GA.