Life insurance can provide financial security for your family in the event of your unexpected demise. A sudden accident or unforeseen disaster could cut your life short with little warning. When you purchase a life policy from North Georgia Insurance Center in Commerce, GA, you can have peace of mind that your family will be provided for after you’re gone. As your beneficiaries, here are a few ways your family can use life benefits to carry on:

Pay Off Debts

If your spouse co-signed a mortgage or car loan with you, he or she will be responsible to pay for that debt after you’re gone. Life benefits can help pay off outstanding debts so your spouse can start with a clean slate.

Cover Living Costs

Life benefits can help cover the cost of rent, food, clothing, children’s school, and other living expenses after you’re gone. This gives your spouse an opportunity to plan for the future without the financial pressure of paying the bills.

Pay for Kids’ College

You can designate that life benefits be put in a trust to help pay for your children’s college when they come of age. Your kids will appreciate your planning ahead to help them establish a better future.

Help Supplement Parents’ Retirement

Life benefits can help supplement your parent’s retirement in their golden years. By naming your parents as beneficiaries to your life policy, you can continue to provide them with financial aid after you’re gone.  

Pay Your Funeral Costs

Life insurance benefits can help pay for your funeral expenses if no other arrangements have been made in advance so your family doesn’t have to assume this financial burden.

For quality life insurance at reasonable costs, call or visit North Georgia Insurance Center in Commerce, GA today. 

Summer sun means RV fun! When you’re on the road, however, it can be tough to keep your rig cool without running your generator nonstop. When you’re boondocking in the Commerce, GA area, use these tips from the North Georgia Insurance Center to keep your RV cool without wasting your energy resources.

Think Before You Park

The way you orient your rig has a huge impact on internal temperatures. Before backing your RV into your spot, check out how the sun will hit it throughout the day. Try to place your rig in a spot that is at least partially shaded by trees, hills, or large buildings. If that isn’t possible, try to park your RV so that your larger windows avoid full exposure to early morning and late afternoon sun.

Cover It Up

Keep the heat outside with windshield covers and thermal curtains. Use a thick and dark-colored cloth to cover your windows through the warmest part of the day. This controls interior temperatures without the need for any additional electrical current. It’s also a great way to maintain privacy in crowded parks. Don’t forget to cover your skylights as well.

Ventilate

Air circulation can help us feel cooler, even if the temperature doesn’t change much. Invest in small fans to keep the air in your rig moving on hot days. Install a rooftop fan to distribute the air more efficiently throughout your RV. Choose battery-powered devices to save even more stress on your generator.

Add Awnings

If your docking space lacks natural shade, you can always bring your own. A simple tarp stretched across the width of your rig will keep heat from following you in every time you open and close your door. It can also keep the sun-side of your RV cooler throughout the day by shielding it from the sun’s rays. If you use your RV frequently, it might be worthwhile to have a permanent awning installed.

Summer RV time is much more fun when your rig is comfortable. Contact the experts at North Georgia Insurance Center for more tips on keeping your Commerce, GA RV cool all season long.

Uninsured or underinsured motorcycle insurance is available to drivers in case they’re involved in an accident where the at-fault party is unable to cover the costs of the event. It’s not necessarily required for drivers, but it can be a very nice benefit to have in certain situations. If you live in Commerce, GA, North Georgia Insurance Center wants you to be aware of what it means to have total coverage. 

At-Fault Drivers 

When an accident occurs in Georgia, it’s the at-fault driver who is required to make restitution to the other party. They should be covering not only property damage but also potential bodily injury that may have occurred from the accident. However, not all drivers buy insurance or purchase enough insurance to cover the total expenses of the accident. If you’re hit by someone with a $100,000 policy limit and the bills total $150,000, you may need to cover the additional expenses on your own. 

Do I Need Uninsured Motorcycle Insurance?

As the injured party, you are able to request the additional costs from the at-fault party. However, there is no guarantee you’ll receive these funds. Uninsured/underinsured motorcycle insurance is designed for drivers in this situation, so they don’t have to worry about coming up with the funds. Experts recommend this extra insurance to all drivers, especially if they live in an area with a high population of uninsured or uninsured drivers. 

Motorcycles should be a stress reliever and not a source of anxiety. If you want to find out more about your risks on the road (and what you can do about them), call North Georgia Insurance Center today. We’re here to help the people of Commerce, GA stay safe and protected, no matter what they may face when they’re enjoying the freedom of their bike. 

The medical insurance world has changed dramatically in the last several years, and one of the biggest changes is the availability of affordable insurance through more providers for dental and vision needs. Neither of those is covered under your regular medical insurance, and many people put off necessary care because they are worried about costs and even whether a provider will see them. If you are in Commerce, GA, North Georgia Insurance Center can help you find a plan that will help you start taking care of that important individual or family needs.

Traditionally, the best choices for dental and vision insurance were through employers, but not everyone has that option. Many dental and vision policies are considered add-ons, and they can be purchased at an additional price through the same provider where you get your medical insurance. We can help you compare the costs of different insurance providers, and even help you find out if your preferred dental or vision providers are covered under a specific policy.

Dental Plans vs Dental Insurance

You may have heard about dental plans, which are advertised as an alternative to dental insurance. They are normally offered at what seems to be a competitive price, and if you don’t have insurance, that can seem like a bargain.

Unfortunately, dental plans normally require you to still pay out-of-pocket for any procedures you need, and most people find that they will save money in the long run by using dental insurance instead. Dental insurance will also cover expensive cleaning and exams, making it more likely you will get the care you need.

Your vision and dental health are too important to neglect because of insurance. If you live in Commerce, GA, please feel free to call North Georgia Insurance Center so we can show you how easy it is to get started with a new vision and dental insurance.

Most people in Commerce, GA will qualify for life insurance, but it can be easier to get if you are younger and in good health. There are different types of life insurance, so you may be able to qualify no matter what stage of life you are in. Discuss your options with an agent at North Georgia Insurance Center.

The first step is to fill out an application. On the application, you will be asked your health history, lifestyle habits, weight, family history, and income. You should answer these questions honestly because your policy can be cancelled if you lie on your application.

The next step may only be required for some policies. You will undergo a medical exam to evaluate your overall health. The medical exam will review your medical history, review your habits, check your blood pressure, weight and height, and take both a blood sample and a urine sample.

In order to get insurance, you will need to select a death benefit that is equal to your lost income potential. You also want a policy that you can afford so the premium is something you can pay. If you aren’t able to make your premiums, then your policy will be cancelled. If you choose a death benefit that is too big in correlation with your risk level, then you may not qualify.

There are some things that can make it more difficult to get life insurance. This includes having a pre-existing condition, major heart attack, dangerous habits, or a high-risk occupation. If you are in these categories, it may still be possible to get insurance, but you will have a higher premium and there could be a limit on the coverage you can have.

Contact North Georgia Insurance Center, serving Commerce, GA, to get a quote on life insurance.

You must have an M-class license to operate a motorcycle in the state of Georgia. You also need the proper insurance to drive legally. Read on to learn about policy limits and other responsibilities regarding motorcycle insurance!

Georgia auto policy minimums

The state of Georgia requires minimum bodily insurance of $25,000 per person and $50,000 per accident. You must also have an assurance policy that pays a minimum $25,000 per accident for property damage.

Although some take the risk of operating a motorcycle without insurance in Commerce, GA, it is not recommended that drivers ignore the law and operate any vehicle without the proper assurance plan. You subject yourself to a hefty fine if a law enforcement officer discovers that you do not have the proper insurance during a traffic stop. There is also the financial loss that comes with being underinsured or without an indemnity plan altogether. Contacting an agent at North Georgia Insurance Center is the best way to ensure that you remain in compliance with the law.

How does motorcycle insurance in Georgia work?

Motorcycle insurance works much like a standard auto assurance plan. You select your policy limits, which determine how big or small your premium payments will be every month. The plan then serves as a sort of safety net that you can rely on when you have an at-fault accident or when someone else is the offender but lacks the proper insurance to pay for the damages.

How much does motorcycle insurance cost?

Your motorcycle indemnity plan in Commerce, GA may not be as expensive as you think. There are some instances when the frequency of operation significantly affects the premium amount. You may find that you pay less for taking occasional joyrides on your bike. The make and model of your motorcycle also factor into the monthly cost.

Of course, you cannot get an accurate quote on motorcycle insurance until you call the experts at North Georgia Insurance Center. Jumpstart your plan today!