Month: September 2014

Cheap Young Driver Car Insurance in Mountain Park, GA

Posted on by AgentInsure

Young drivers in Mountain Park, GA can find that car insurance is often more expensive than they may initially expect. Even if you only purchase a policy that meets the minimum standards of the state and covers against liability concerns, it is still possible that you will pay higher rates than you expect. Fortunately, there are ways to obtain more affordable rates, even as a young driver.

Ask About Discounts

Discounts that can apply to your policy will depend on the insurance provider; however, there may be lower rates for having good grades, taking a defensive driving course or being part of the military. The reduced rates that are available can vary, so you should ask about discounts before you assume that a reduction will apply.

Apply any reductions that apply to your car insurance policy in Mountain Park, GA so that you can get the protection that you expect.

Maintain Good Credit

A good credit rating can be as important as a good driving record. If you have a high credit score, then your rates will usually be lower than average. Keep in mind that a limited credit history will still suggest that you are inexperienced, so it may not have the same impact as an older driver’s historical information.

Increase the Deductible

If you are willing to pay a bit more for the deductible, then it can help reduce your premiums and monthly rates. Even a small increase in the deductible can have a positive impact.

There are several ways to reduce your rates and enjoy your new vehicle. The key is obtaining the best reductions that are available for your situation. To learn more about discounts or saving solutions, contact us to talk to an independent agent today.

Get Online Quotes for Boat Insurance in Woodstock, GA

Posted on by AgentInsure

Spring and summer are perfect times to take your boat out on the water and enjoy all of the lakes, rivers, and ocean access that you can get in Woodstock, GA. However, before you head out to your favorite spot and start a weekend long fishing extravaganza, it’s important to consider your insurance options.

In most cases, you’re looking for liability only insurance for your boat, unless you have a particularly expensive or special kind of boat. Liability only means you’re not getting hit with the payments that come if you cause an accident or run into something. This doesn’t cover any damage to your boat, although if the other boater has liability insurance, you would get repair coverage that way.

If you have a relatively inexpensive boat, it’s probably not worth getting anything more than liability. If you have a yacht, power boat, or another high end boat, look into comprehensive or collision coverage. The first option provides you with protection for your boat and your assets on the boat against any situation that doesn’t involve colliding with another object or person. If you’re worried about the many ways your boat could end up damaged, this is the insurance option for you.

The online insurance quotes system takes a lot of frustration out of figuring out exactly what you want and need from the insurance company. You get quotes quickly, letting you know what type of policy you can put on your boat. If you’re dealing with lots of inexperienced boaters out on the water, it’s worth its weight in gold so you aren’t paying more out of pocket.

How old must a car be until it falls into the antique, or collectible classification?

Posted on by AgentInsure

The age at which your vehicle will fall under the "antique" or "collectible" category is entirely dependent upon the state where you live. It is best to speak with an antique auto insurance provider in your area to get the exact requirements for this type of insurance, but the general guidelines below may help.

In most states, the age requirement for a car or truck to be categorized as an antique is usually at least 25 years. Some states have a 35 year requirement. More rarely, certain states have antique auto requirements of only 20 years. However, 20 years is the minimum age at which any U.S. state will classify an auto as a classic or as an antique.

The age of the vehicle might not be the only determinant, and each state does have their own individual guidelines regarding what cars are fit to bear that coveted "classic car" license plate. Just because a car is very old does not necessarily mean that it is going to be given the antique auto designation. One example would be that if you have a vehicle that is 35 years old, but is in a bad state of repair and is not currently running. Such a car would be unlikely to be classified as an antique for insurance purposes.

If you own a vehicle that you feel might qualify for antique auto insurance, our insurance agents would be happy to talk to you about getting the coverage that you need. We offer competitive pricing and live comparative rates from multiple major carriers, all in one convenient place. Feel free to give us a call or to use our comparison tool on our website anytime! We are happy to help you get the antique auto coverage you need.

I rent out my basement. Are my tenants covered by my homeowners policy?

Posted on by AgentInsure

Renting out your basement is a great way to cut down on the amount you pay on your mortgage, or even eliminate it entirely if you live in a desirable enough area and you build out your basement. However, a standard homeowners insurance policy does not typically cover renters, even when you’re occupying the same building. If anything happens to the basement, such as flood or fire damage, the insurance company may refuse your claim or cancel your policy entirely.

You need a landlord insurance policy which covers property damage for the part of the home that’s getting rented, coverage for natural disasters, and other claims that occur due to renting out property. This commercial insurance package may bring down the cost of your homeowners insurance if you get it through the same company you already have a policy with. You may also want to pursue other commercial insurance policies if you are getting into the landlord business instead of simply renting out spare rooms in your home. This way, you already have experience with commercial landlord insurance before you pick up additional properties.

Another advantage to picking up landlord’s insurance is income protection in case a natural disaster or a problematic tenant causes enough damage to a property that it cannot be rented out for up to a year. You receive the fair market rent payment for the apartment until its ready to get rented out again. Landlord’s insurance also provides financial protection against litigation by a tenant.

Talk to your local independent agent based out of Woodstock, GA to find out what landlord insurance packages provide you with the protection you need