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The Sanford Group

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

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  P.O. Box 374
Ball Ground, GA 30107

The Sanford Group Insurance Blog

Will my auto insurance cover my car if I use it for business purposes?

As a business owner, there are specific things you may need to use to keep your business running smoothly. Some of these things may include your personal possessions. For some business owners, the use of a car is essential. You may need to travel for business reasons. However, things can get sticky if you’re driving your personal vehicle. Our team at The Sanford Group knows that Ball Ground, GA business owners have questions about how to protect their businesses. We’re here to help them explore the benefits of insurance.

What You Should Know…

Driving your personal car, insured for personal use, carries risk if you use it for your business. If you get into an accident or some unexpected catastrophe while operating your vehicle for business purposes, it won’t be covered under a personal insurance policy. You’ll have to pay for any damage or injuries incurred by yourself or others out of your pocket. As a result, if you know you’ll be using your car for business purposes, it’s best to get business auto insurance. Your personal auto insurance policy won’t pay for any car repairs, legal issues, or liability that you may have to others for property damage and injuries.

Business Auto Insurance

Business auto insurance typically provides greater coverage limits and is beneficial if you use your car for delivery, towing, or any other business-related task covered under your policy. A commercial policy typically provides higher coverage limits even if your personal auto policy has a business use addendum. However, a business auto insurance policy can be created to meet your company’s specific needs. If you have questions about the best insurance for cars used for business purposes, call us. 

Finding the right auto insurance for your family

Ball Ground, GA area residents rely on The Sanford Group for all of their insurance needs. If you are looking to upgrade your family’s auto insurance policy, we can help! Finding the right policy for your needs and budget does not have to be an impossible task. Give us a call today to learn more about your available options!

Auto insurance options for your family

When it comes to auto insurance, there are a lot of options available in our area. While it’s always great to have options, having too many can make choosing a policy feel overwhelming. This is especially true for families with multiple vehicles and drivers. 

Sometimes, the right policy is one for the entire family, and other times the best way to go is to have multiple policies for different family members. It can be difficult to determine which way is right for your family’s needs until you sit down with a local agent. 

Working with an experienced and knowledgeable agent can make the policy selection process a lot less stressful! There’s no reason to have to shoulder all of the responsibility on your own!  Why not work with a partner who can help you find the right policy and coverage levels for your entire family?

Auto insurance features and options have really expanded in recent years, and it only makes sense to take the time to find a policy that meets all of your needs. Working with a local agent is the right way to go!

Give us a call today!

The Sanford Group is here for the greater Ball Ground, GA community. If you would like to learn more about insuring your family’s vehicles and drivers, we are here to help. Call or stop by our office today!

Required Auto Insurance in Georgia

When you want to drive in Georgia, you must have a few types of insurance coverage. These are coverages that are mandated by the state, and you can’t drive without them. The minimum amounts in Georgia, however, are relatively low. It’s usually recommended that you increase the minimums so that you are better protected in case of accidents. To get your auto insurance in Georgia, contact us at The Sanford Group in Ball Ground, GA.

Liability Auto Coverage

When you get your auto insurance in Georgia, there are three amounts that are required on it. One is a minimum amount of bodily injury liability for when one person becomes injured in an accident that is your fault. The second one is a minimum amount of bodily injury liability that is for all of the people who were injured in an accident that is your fault. The third is a minimum amount of property damage liability for the damage caused to another person’s property due to an accident that is your fault. All of these are relatively low in this state, so it’s often a good idea to get more than the minimum coverage amounts that are required by law. 

Other Insurance Offered

In Georgia, there are two other types of auto insurance that have to be offered when you get your auto insurance policy. They are not required, but they must be offered to you. And, it’s a smart idea to take these coverage types because they can prove to be helpful in the future. These are uninsured motorist property damage and uninsured motorist bodily injury coverage. Each of these is great to have in case you are hit by a motorist who doesn’t have their required auto coverage. 

Get Your Vehicle Covered

If you need auto insurance, contact us at The Sanford Group in Ball Ground, GA.

Get your auto insurance renewed today

If you own a car, it is very likely you already have car insurance. This is great, but it is even better to regularly review and compare your auto policy. You may not realize that you are not covered as comprehensively as you first thought, or your circumstances have changed, and you need something else or added on.

Consider renewing auto insurance? Or are you a new car owner? Call The Sanford Group in Ball Ground, GA and we can discuss policy options with you.

Auto insurance coverage options

Curious what kind of coverage you might be missing out on? Look no further. While not all, we list some options for you:

  • You get stuck on the side of the road because of a problem with the car or, worse, you were in a car accident. Who are you gonna call? Road assistance. One call for road assistance will ensure you and your car get a lift, and you will never be stranded for long.
  • From damaged undrivable cars to perhaps leaving your car where it shouldn’t be, towing can be expensive. If you have this included in your policy, you will never have to tow as an unexpected expense.
  • Perhaps one of the most important insurance in all types of insurance is liability coverage. This covers you if you are in an accident with someone else in the car or the people in the car you collide with. This can cover anything from another person’s medical bills to them suing you.

If you want to renew or discuss the renewal of your auto insurance, you can call The Sanford Group in Ball Ground, GA. Our website also allows you to compare quotes.

Should you have auto insurance in Georgia?

The Ball Ground, GA area can be a great place to live. In this area, there are a lot of recreational amenities and professional opportunities. To ensure you can enjoy the area as much as possible, you need to get a vehicle as it will make it much easier to get around the community. If you do purchase a vehicle here, you also need insurance. You should have auto insurance here for a few important reasons. 

Comply with Requirements

A reason you should get auto insurance coverage is so you can comply with whatever requirements you have. All drivers in Georgia are required under law to carry liability insurance. Also, if someone has taken out financing to purchase their car they will be required to carry a proper auto insurance plan at all times, which should include both collision and comprehensive coverage. 

Protection for Car

You also should get insurance as it can protect your vehicle. Those that are in this area of the state will need to have a vehicle to get around their community. Losing the vehicle to theft or an accident could be devastating. Fortunately, by getting an auto insurance plan that has both collision and comprehensive insurance coverage you can receive the protection you need for your vehicle. This will ensure you can repair or replace it in the future. 

As you are looking for an auto insurance plan in the Ball Ground, GA area, it would be wise to speak with the team at The Sanford Group. There are a lot of choices you need to make when picking auto insurance and The Sanford Group can make it much easier for you. The team here is able to help you assess your options and build an appropriate insurance plan. 

Ask Your Agent About Auto Insurance Changes

If you’re in the Ball Ground, GA area and have auto insurance questions, you’re not alone. The Sanford Group can help, so you can get your questions answered and make any needed policy changes. The insurance you have on your vehicle is important. You not only want to make sure you have the minimum level of coverage required by law, but you may also want additional coverage beyond that. Deciding on that coverage is easier when you have a knowledgeable agent on your side. That way you can get the information you need and feel confident with your decision.

Making changes can mean moving from one company to another, or simply upgrading or adjusting the coverage you have with the company you’re currently using. But the easiest way to do either one of those things is to work with an agent you feel good about. That can help increase your peace of mind, and give you the protection you’re looking for when it comes to covering your vehicle the right way. You don’t have to settle for less than the right type of coverage for your particular situation, so you can leave your fears behind when you’re out on the road.

For anyone in the Ball Ground, GA area, The Sanford Group is here to help with your auto insurance changes and other coverage needs. Reach out to us today, and our agents can start getting your questions answered. Then you’ll have a policy you’re really happy with, so you can feel safe and protected when you’re behind the wheel. If there have been changes in your life or household, it could be time to make changes to your insurance policy, too. We’re here to make that easier, and ensure you have the coverage that really fits your needs.

What Are the Different Types of Auto Insurance Policies?

The Sanford Group is a dedicated insurance company in the Ball Ground, GA community, and the neighboring areas. We are proud of the different types of insurance policies we have been offering to our customers since our inception.

Besides other insurance policies in our offices, auto insurance is one of our mainstream products, and we work hard with multiple customers to cover their cars and families as they drive across the country. If you’re planning on buying a car insurance policy, it is necessary that you understand the different types of offers for an informed selection.

Liability Insurance Policy

To drive a car in the United States, you need to have liability insurance. This policy covers injuries and property damages that you may cause to others as you drive. You are legally responsible for the accidents and damages you cause on the roads, which explains why you need to have this cover before you can legally be allowed to drive.

Collision Insurance

Collisions will always happen on the roads, and you need to be prepared so that you can shift the financial obligations to your insurance company when this happens. Collision insurance will help you to cover the damages that your car will get after you have been involved in an accident. It may include repairing the vehicle or replacing it if the damages go beyond a specific percentage.

Comprehensive Insurance

As it sounds, comprehensive insurance provides additional benefits as compared to other auto insurance policies. Some of the areas where comprehensive insurance can cover include accidents with animals, specific weather problems, vandalism, collisions, and sometimes stolen cars.

These are some of the different types of auto insurance policies that The Sanford Group provides to the people of Ball Ground, GA, and the surrounding areas. For additional information on auto insurance policies, visit our website today.

Three things to remember when you buy auto insurance in Georgia

You’re making a big decision when you’re selecting an auto insurance policy. We can help you with your auto insurance needs in Ball Ground, GA at The Sanford Group.

The following are three things you’ll want to remember when you buy auto insurance in Georgia.

You may be able to qualify for some discounts.

There are a lot of possible discounts out there for bringing down auto insurance premiums. You might be able to lower your costs by taking advantage of some of these discounts.

There are discounts for those who have taken driver safety classes or for students with high grade point averages. There are also discounts for service members and first responders with some companies.

Make sure you research discounts before you purchase a policy. 

You need to purchase collision coverage for coverage to damage to your own vehicle. 

Buying a basic liability coverage policy is not going to provide you with any coverage whatsoever for your own vehicle. This means that you’ll have to pay out of pocket for damage to your own vehicle unless you add collision coverage to your policy. 

Customer service is important. 

Don’t focus too much on the policy details without considering the company offering the policy. In particular, make sure you’ve evaluated their customer service. 

Customer service is a significant factor when it comes to auto insurance. You may need to call your insurance company if you want to change your policy or file a claim. When this happens, good customer service becomes enormously beneficial. 

Ready to start shopping for your auto insurance policy? If you’re a motorist in Ball Ground, GA looking for car insurance, get in touch with us at The Sanford Group. 

What are the main benefits of getting auto insurance in Ball Ground?

The Ball Ground, GA area can be a great place for anyone to work and live. While there are a lot of local benefits and amenities that come when you live here, owning a car is a necessity for more people. If you are going to purchase a vehicle here, you do need to get a proper insurance policy. There are several benefits that come when you get a full auto insurance policy here. 

Insurance Provides Protection for Vehicle

One of the advantages that comes when you get an auto insurance policy is that it will give you coverage for your vehicle. Buying a vehicle is a big investment and you will want to ensure that it is as protected as possible. When you get auto insurance, you will get coverage to repair or replace your vehicle as long as you elect to receive collision and comprehensive coverage.

Coverage Provides Liability Protection

Whenever you drive a car, you are going to be taking on a risk that you could cause an accident. If you do cause an accident, it will be your responsibility to pay for all associated damages. Due to this risk, which could come with a significant financial penalty, having insurance is a necessity. A full auto insurance policy will give you the liability protection that you need to offset this concern.

When you are shopping for auto insurance in the Ball Ground, GA area, you should call the team at The Sanford Group. Choosing a policy can be complicated but The Sanford Group will make it much easier. When you speak with this team, you can receive a lot of guidance and support. This will ensure that you continue to be properly protected at all times. 

Why do I need auto insurance in Georgia?

For most people, owning a car will provide a significant amount of convenience. For those that are in the Ball Ground, GA area, owning a car can even be considered a practical necessity. If you do live in this area of Georgia, it is important to make sure that you are properly covering and protecting your vehicle. One of the best ways to do this is by getting an auto insurance policy. There are several reasons why you need to get auto insurance here. 

Required by Auto Lender

When looking to buy a car, it is easy to be overwhelmed by the initial sticker shock. However, it can become much more affordable if you are able to finance the purchase through an auto loan. If you do decide to take out an auto loan, you will need to get a quality auto insurance policy to comply with your lender’s requirements. Those that have an auto loan will almost always be required to have full collision and comprehensive insurance coverage.

State Laws for Liability Coverage

Another reason why you will need to get an auto insurance policy in Georgia is that it is required by state laws. For those that have a car in Georgia, it is important to get auto insurance that provides you with coverage to meet the requirements for minimum liability insurance. Those that do not have it could be penalized. 

As you are looking for auto insurance in Georgia, it is important to work with someone that you can trust. Those that are in the Ball Ground, GA area should reach out to The Sanford Group. When you hire The Sanford Group to discuss your insurance needs, you can get the guidance and support to choose a policy that is ideal for your situation. 

Additional Services

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