August, 2014 | Blog
Schedule A Review Click to Call
The Sanford Group

10150 Ball Ground Hwy,
Ste 101,
Ball Ground, GA 30107

Get Directions

  P.O. Box 374
Ball Ground, GA 30107

The Sanford Group Insurance Blog

Do I need commercial insurance as a driver for Lyft or Uber X ?

Lyft and Uber X are driving services that take the place of taxis. Instead of dealing with a taxi company, private, screened drivers use their own vehicles and work through a mobile app to pick up customers. If you’re interested in becoming a driver for one of these companies, you may be wondering whether or not you need commercial insurance to do so. The answer is that it depends on the service.

You do not need commercial insurance for Lyft. They require drivers to have in-state insurance that meets the state’s minimum coverage requirements. Lyft provides additional coverage for drivers that provides additional liability insurance, collision insurance, and under and uninsured coverage. This insurance is provided as part of the Lyft service, so you don’t have to pay any additional fees for this coverage package to apply to your car.

Uber X has three tiers of driver service. Two of these require you to hold commercial insurance: UberBLACK and UberX Livery. The other driving tier, the basic UberX service, only requires personal auto insurance. Unlike Lyft, The Uber service also provides an additional $1 million in commercial vehicle coverage when you are performing work for Uber, regardless of which service tier you’re driving for.

You may feel more comfortable choosing commercial auto insurance even if you don’t require it for the service, however, especially if you drive for more than one taxi and rideshare service. This type of coverage is not necessary for the basic tiers in either of these services, so you don’t need it to get started and make extra money driving.

Will security cameras lower home insurance cost?

Many factors affect your home insurance, from the average crime rates around your home to your credit score. While you can’t always control the factors that change your house insurance rates, you do have a few options that help bring down your premiums. One option is to install a security system on your property, as this helps to deter casual crime and provides additional protection if someone does break into your house.

The exact amount that a security camera lowers your home insurance cost depends on the insurance company covering you, the type of security system you’re putting into your home, and other associated risk factors. Another security factor that contributes to lowering your home insurance rates is if your home is located in a gated community. If the community has its own security systems in place on top of your existing in-home system, you get even more protection against home invasion. The proximity of the police department from your home also plays a part in the matter.

Home insurance rates can fluctuate wildly from location to location, even if the houses are only separated by a few blocks. The amount of data that insurance companies base their quotes on is extensive, so being able to get a discount on your home insurance in any way is a big help. Security cameras come in many shapes and sizes, so you don’t need a massive budget to get them added to your property for savings either.

Talk with your independent agent in Ball Ground, GA to find out how much you’ll save on homeowners insurance once you install security cameras at your residence.

What’s the difference between group life and individual life insurance?

People often get group life insurance through their employers or various associations. Group life insurance is often a good supplement to individual insurance. If you’re searching for individual insurance in Ball Ground, GA, get to know the difference between group life and individual life insurance.


If you get insurance through your employer, you have group insurance. If you purchased insurance yourself, you have individual insurance. With group insurance, your employer shops for and negotiates insurance premiums. The employer also determines how much of the premiums you pay. For example, some employers pay the full amount of the premiums. Other employers might ask you to pay a certain percent of the premium. You also can get group insurance if you’re a member of some credit unions or association such as the AARP.


The underwriting process for group life and individual life is also different. With group coverage, underwriters determine risk level based on the risks of the group as a whole. The industry refers to this process as the experience approach. Conversely, when you apply for individual life insurance, underwriters factor in your personal lifestyle and health habits to determine your risk level. If you have a high-risk level, you’ll likely pay higher premiums.

Paying Premiums

If you have a group plan, your employer or association provides you with several plans from which to choose. By the time they offer these plans to you, they’ve already negotiated the premiums. They pay the insurer directly, but you pay your employer or association for your share of the premiums. If it’s an employer-sponsored plan, the employers often deduct premium payments from their employees’ paycheck. For individual policies, you need to research the plans yourself. You also need to pay the insurer directly. You can go to your employer for clarification if you have group coverage. However, with individual coverage, you need to become familiar with your coverage and benefits.

You never want to run the risk of not having enough insurance to protect you or your family’s future. Call us so that our experienced Canton or local life insurance agent can guide you on selecting appropriate insurance coverage.

What do teenagers pay for auto insurance?

When teenagers obtain their license, they need to be added to an auto insurance policy in Ball Ground, GA. The challenge is determining how much it will impact their rates to pay for the policy based on several different factors.

Type of Coverage

A key factor that impacts rates, beyond the young age of the driver, is the type of policy that is purchased. A comprehensive plan will usually cost more than a basic liability policy, but it can add to the protection when teens drivers are taking the car out on the road.

While some factors, like theft or the risk of a hail storm, are not related to the driver, collision coverage and liability can increase the rate.


Even though teenagers have a limited amount of driving experience and are considered risky by an insurance company, it is usually possible to lower the rates to a reasonable price by asking about discounts.

Some auto insurance companies offer discounts for good students. The good grades suggest that a teen driver has a higher level of responsibility. It may also be possible to apply a discount to the policy by taking a defensive driving course.

Keep in mind that discounts can vary, so every policy can have different options that apply. The insurer may also have promotional offers that are available for a limited amount of time that may apply to a teen driver. Asking about the possible reductions can make it easier to get the preferred rate.

There are a variety of factors that impact the cost of coverage on a car. Even teens can find discounts and special rates that apply to their vehicle and help lower the cost. Contact us to speak to an agent to learn more about saving on auto coverage.

Additional Services

  • Identity Theft
  • Data Backup
  • Special Event Insurance
  • Specialty Auto Insurance
  • Rental Reimbursement
  • Towing
  • Medical Payments Coverage
  • Minor Violation Forgiveness
  • Roadside Assistance
  • Individual & Family Health Insurance
  • Group Health Insurance
  • Long-Term Care Insurance
  • Medical Expense Insurance
  • HSAs
  • Other Services
    • Permit Services
    • License Services
    • Notary Services

Partner Carriers

  • AAA
  • American Collectors
  • American Modern
  • AmTrust
  • Bristol West
  • Dairyland
  • Donegal
  • Encompass
  • Foremost
  • Grange
  • Guard
  • Haulers
  • Heritage
  • Infinity
  • Mercury
  • MetLife
  • Nationwide
  • NCCI
  • Progressive
  • Safeco
  • Travelers
  • Zurich