Buying or driving your own car for the first time can be fun but scary at the same time, whether young or old getting on the road for the first time is not always a smooth ride. With worries of driving right comes the aspect of whether you are adequately covered in case of an accident. Auto insurance in Commerce, GA is a requirement by law and all drivers, including new drivers, must carry a valid auto insurance policy in case they are pulled over.

1. Buy insurance before you have bought the car

Before you even step foot on the car buying company lot to negotiate about the price, make sure you have sorted your insurance needs. While shopping for auto insurance may not be as fun as the car buying process, sorting your insurance needs saves you hundreds of dollars. Remember, vehicles such as sports cars carry higher insurance rates. You need to consider auto insurance as part of the cost.

2. The dealership may and may not take care of the insurance paperwork for you.

Different dealerships have different ways of doing things. While some are willing to do the paperwork for you, it is always prudent to be one or two steps ahead. If this is not your first vehicle, take the initiative to add that collision or comprehensive insurance before you leave.

3. Understand what is needed

As a first-time car and auto insurance buyer, you need to know the average cost of the vehicle in order to calculate the cost of insurance. You also need to understand the limits, coverages, and deductibles. An insurance expert at North Georgia Insurance Center can help you with that.

Car insurance companies have a way of determining how much the premiums should cost. This varies from one insurance provider to another. At North Georgia Insurance Center, we can help you choose a policy that best fits your needs. Be sure to visit us at Commerce, GA today!

Good drivers help insurance companies keep costs in check, and there are many instances when good drivers are rewarded with unique policy benefits. While you may be eligible to have a lower premium due to good driving history, you may not know about the benefits unless you ask. If you are a safe driver in the greater Commerce, GA area and would like to know if you qualify for any policy benefits due to your good driving history, contact the team at North Georgia Insurance Center, we’re happy to help!

• Good driving history – anyone who has gone years without a claim should take a closer look at their policy benefits. There are many companies that offer perks to safe drivers, and you just might be eligible too!
• Loyalty programs – do you have multiple lines of insurance with the same company, or have you been a loyal client for many years? It’s worth your time to double-check and see if there are any perks or discounts available from your auto insurance provider. 
• Educational classes – many insurance providers reward clients who go the extra mile to receive extra defensive driving training or attend other educational classes. If you have taken non-required safety classes, it’s worth checking to see if there are any policy benefits. The same holds true for vehicle owners who have enhanced safety features on their car or truck.

It’s always worth the effort to look into any policy benefits, perks, or rewards!

Drivers who have a good driving record or have taken steps to improve their driving are sometimes eligible for certain policy benefits. If you think that you may qualify, contact the team at North Georgia Insurance Center today and learn more about your auto policy options in the greater Commerce, GA area. 

Drag racing in Commerce, GA is a popular pastime and one that requires high-quality insurance policies to properly manage. Thankfully, we at North Georgia Insurance Center can provide you with the choices you need to keep your drag racer fully insured on the track.

Race Coverage Protects Vehicles

Normal auto insurance policies do not cover drag racing because they are designed just for normal everyday driving. However, that doesn’t mean that a drag racer can’t find a policy for their vehicle. These coverage options fall under the heading of racing insurance and are available from multiple providers.

Racing coverage will vary depending on a multitude of factors, including the age and the value of the specific vehicle being covered. For example, normal racing is different than drag racing and requires a slightly different policy that covers the unique demand put on a vehicle by this action.

Policy Options Vary

When buying racing insurance, draggers need to make sure that they choose one that suits their needs. For example, liability is necessary because these types of races often trigger injuries and other health problems in the racer and even in their opponents on the track.

Just as importantly, these racers need to purchase policy options that provide accurate and detailed protection if their vehicles get damaged. For example, a driver may run into another car on the track, get a ding or a dent, and use their racing insurance to pay for these repairs quickly and efficiently.

Find Insurance for Your Drag Racer

Anybody who enjoys drag racing in and around Commerce, GA should contact us at North Georgia Insurance Center to find high-quality racing insurance for their drag vehicles. Our experts will tweak policy to suit your needs and ensure that you are fully covered for your needs.

Buying a new vehicle can be an exciting time. However, you should consider that there is more to the cost of a car than the simple sticker price at the car lot. Here are a few insurance questions to consider when buying a  new vehicle. 

How Will Insurance Rates on This Vehicle Compare to My Old Rates?

Do not assume that your insurance will stay the same vehicle to vehicle. Insurance rates are based on several factors. One important factor will be how new the vehicle is. Generally newer vehicles will have higher insurance premiums than older vehicles. Another thing you should consider is how different in make and model is this vehicle from your last vehicle. Different types of vehicles will fall under different insurance categories. Doing this research before purchasing your vehicle will help alleviate any shock value that might arise when you apply for insurance for your new car. 

Insurance Must Not Lapse

In many states, there are laws in place which require that insurance be placed immediately on a vehicle before it can be purchased. This can be a huge inconvenience if you are not aware of this before visiting a car dealership. Be in contact with your insurance company prior to vehicle shopping, so that you can set up a seamless insurance transferral if you are trading in a vehicle.

What Is the Grand Total?

The real price of your new vehicle will be your car payment plus insurance. If you are operating on a budget you will want to evaluate how much this grand total may be, before signing any paper work to purchase your vehicle. Speak with an insurance representative and discuss insurance rates for the types of vehicles you are considering before visiting the dealership. This way you will have a better idea of what your grand total will be for your new vehicle. 

If you would like to learn more about placing insurance on a new car call one of our helpful insurance reps at North Georgia Insurance Center serving Commerce, GA. 

Many different factors have an impact on auto insurance premiums in Commerce, GA. Some of them pertain to the vehicle, such as its value and safety ratings. Other considerations involve the driver’s personal attributes. They include driving history, gender, credit score, and marital status. Another important factor is age.

Age Groups
People generally pay the highest car insurance rates at ages up to 24. Young motorists typically cause more traffic accidents than any other major segment of the population. This is especially true for male drivers. Single men might face higher premiums until they turn 26 or 29 years old.

Married men and young women may only pay increased rates at ages under 22 or 25. Premiums frequently drop each year during a person’s late teens and early-to-mid 20s. Costs also vary depending on whether a driver owns the vehicle or not. Seniors tend to cause more crashes statistically. Some insurance providers expect these motorists to pay higher rates, but they normally don’t spend as much as young people. However, an elderly person with a poor driving record might pay more. Seniors can sometimes qualify for premium reductions if they’re retired and don’t drive very often.

When you need affordable yet reliable auto coverage at any age, turn to the North Georgia Insurance Center. Bobby Brown founded NGIC over three decades ago. This independent Commerce, GA agency helps motorists find top insurers with great rates. Please dial 706-335-2433 to reach the North Georgia Insurance Center and learn more today.
 

Your car breaking down can be frustrating and scary in the middle of town. If it happens in the middle of nowhere on the side of the road, it can get downright dangerous. At the North Georgia Insurance Center in Commerce, GA, they know how scary it can be. Read on below for a few of the top tips to help you stay safe if your car breaks down.. 

Move to Safety

If at all possible, try to move your car to safety off of the road. Don’t get out of the car until you have moved the car to an out of the way spot if you can. 

Turn on Your Hazard Lights

Once you have moved your car to safety, activate your hazard lights so that people who are coming along the road can easily see you, especially if you have broken down at night. 

Call for Help

You need to look around and see if you can pinpoint your location. Luckily, in today’s modern world it’s easier to pinpoint your location for people coming to help you via GPS. If you don’t have this modern technology, try to tell the tow truck driver exactly where you are, if possible. 

Stay with Your Car

Never leave your car and get into a car with a stranger. Even if it’s the tow truck driver. In today’s world, it’s best not to trust anyone you don’t know. Call someone you know or call a police officer to come and get you. It’s best to be safe, instead of sorry. 

For more information, contact the North Georgia Insurance Center in Commerce, GA today. Your safety is our number one concern!