Category: Auto Insurance

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.

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. 

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.

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.

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. 

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. 

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. 

Many people are utilizing their cars for participating in ride-sharing companies such as Uber and Lyft.  These companies have become two of the most popular ways to make money driving people where they need to go.  Because you’re driving often using one of these services, you have to be selective in choosing the right insurance coverage.  Our agents at The Sanford Group, serving Ball Ground, GA, are well qualified in assisting you in finding the right coverage.

Options for ridesharers

If you’re involved in the ridesharing industry, it’s very vital to have auto insurance.  The more you use your car, the more important it is to have insurance.  Georgia drivers are required by law to have automobile liability insurance for at least the minimum limits.  However, some ride-sharing services may offer additional coverage.  Uber offers supplemental insurance, in addition to your own auto insurance.  This insurance is only active when the driver is using the app.  Previously, the ride-sharing service only offered insurance coverage when the passenger was in the car.  However, due to a series of accidents resulting in lawsuits, Uber decided to update their policy.

Lyft and some of the other ride-sharing services point to the $1 million per incident excess liability coverage.  This coverage is required by certain states and designed to deal with liability claims.

Our Agents are Here to Help

However, before deciding to use your car for business purposes, like ridesharing, you have to find out what your insurance covers. We at The Sanford Group have qualified agents available for professional advice in finding the right insurance for your situation.  If you reside in the Ball Ground, GA area, feel free to contact our office for more information today.            

 

For people all over the Ball Ground, GA area, driving a car is a basic necessity in order to get around town and to work. Along with this, all people in this area need to carefully think about their auto insurance needs. There are several reasons why auto insurance is a necessity for people in this area.

Required by Law

One reason why having auto insurance in Ball Ground, GA is a requirement is that it is actually required by law. The state of Georgia requires that all drivers have insurance at all times when they are on the road. To comply with this legal requirement, you are going to need to have at least the minimum level of liability auto insurance at all times. Otherwise, you could face stiff penalization.

Lender Requirements

Additionally, any auto lender is going to require that you carry auto insurance at all times. On top of the minimum liability insurance, you will also need to carry collision and comprehensive insurance. This will cover you for virtually any situation that could cause a loss including auto accident damage, theft, or fire damage. The lender will require this to make sure that their collateral is covered. 

As you are shopping for auto insurance, it is important to work with a company that has your back and a lot of experience. The Sanford Group is a great company to contact when you start the process of buying a car and shopping for auto insurance. When you contact the team at The Sanford Group, they will be able to help you find a policy that is right for your situation and covers you as well as possible. This will ensure that you have peace of mind and are in compliance with all regulations. 

Choosing your auto insurance policy deductible is a very personal decision that depends on a variety of unique factors, including your personal comfort and the risk level you are willing to face. While The Sanford Group can provide you with the information you need to make an informed decision, it ultimately rests on you to weigh your options and determine the best deductible for you and your family. Here are six questions to help you choose your Ball Ground, GA auto insurance deductibles. 

What Is the Value of My Vehicle? 

Your vehicle’s value makes a lot of difference in what deductible will make sense. Less expensive cars cost less to insure. The more expensive your vehicle is, the pricier it is to insure. Opting for a higher deductible on a high-value vehicle makes sense because the annual premium savings can be significant. 

Do I Have an Emergency Fund? 

You need to consider your bank balance when weighing your deductible options. Can you afford to pay a larger deductible out-of-pocket in the event of a claim? A smaller deductible will result in higher annual premiums, so if you do have an emergency fund it would be wise to raise your deductible as high as you feel comfortable with. 

How Much Do Different Deductibles Cost? 

Every situation is different, but the general rule is that if you’re going to go with a low premium make sure you can recoup the higher cost within three years.  

What Is My Risk of Having A Claim? 

No matter how skilled you are as a driver, everyone has some driver risk. If the possibility of you submitting a claim is high, a low deductible may be the better choice. However, the savings could be substantial if you are a high-risk driver and you opt for a high deductible. 

Is a Vanishing Deductible a Good Option? 

While they’re becoming a popular option, whether vanishing deductibles are a good one for you varies. You do have to pay an extra annual premium for a vanishing deductible, but it might be a smart choice if paying a deductible would devastate you financially. 

Should I Choose a Different Deductible for Different Coverage? 

Yes. Collision coverage is more expensive so it’s smart to go with a higher deductible for that coverage, whereas a lower deductible makes sense for Comprehensive, which is typically cheaper. 

Need Guidance on Deductibles? 

If you have questions about deductibles, we have answers. Call the Ball Ground, GA insurance experts at The Sanford Group today!