There are many reasons to get auto insurance and of course, it is the law. All of those reasons are also good reasons and of course, it is the law! It really doesn’t matter what type of insurance you need or want, if it is the state minimum legal coverage or full coverage for that new classic Mustang you just bought, the right policy will depend on you and your car.

Insurance to Protect You

When it comes to an automobile accident, there can be many different concerns. Helping you with medical expenses, paying for damages or for other costs related to an accident, the right auto insurance will be there to assist you and help with those burdens. This is first and foremost, about keeping you safe from medical expenses to repair costs.

Insurance to Protect Your Vehicle

According to one report, more than 25% of the drivers in Florida are uninsured. Georgia fares better at 12% but that still means for our customers in Blue Ridge GA and the surrounding areas, more than one in ten drivers are without automobile coverage! So in order to protect that new classic Mustang or your favorite ride, The Insurance Mart is here to help you find a policy and plan that fits. Car repairs can get costly and obviously, nobody wants to have a car totaled but if we do, there is insurance for that.

If you live in the Blue Ridge, GA area and are looking to compare, update or shop for new automobile insurance, contact us today. The Insurance Mart is here to keep you legal, help you find the right policy and to protect you and your vehicle.

Auto Insurance is a legal requirement in Georgia. It cushions you financially after an insured event occurs. These events include legal suits, accidents and weather damage. Here are some FAQ about auto insurance in Blue Ridge, GA. 

Is it necessary?
Most states require that you have at least a liability insurance cover in place before you begin driving. Georgia is no exception. Driving without an insurance policy is illegal predisposes you to financial vulnerabilities due to accidents.
How does it work?
Having an auto insurance policy in place guarantees that you will be covered in case of damages to your vehicle due to collisions or other incidents or if your vehicle is stolen. An auto insurance policy covers you if your vehicle destroys other people’s property. 
Why are auto insurance policies different?
Apart from being provided by different insurance providers, the premium rates are influenced by factors such as your age, your claim history, the average annual distance you intend to cover, where you live, the vehicle’s model, your credit history, among other factors that your insurer will discuss with you. 
What are the auto insurance discounts I am eligible for?
Most insurance providers give discounts such as; good driver discounts for drivers who stay accident-free for a given period, multi-car discounts if you insure several cars with the same provider, or even multi-policy discounts if you have several policies within the same company. Consult with your service provider on what discounts you are eligible for. 
What if I forget to pay my premium?
First offenders are in most cases given a warning from the insurer. Should this happen again you risk to have your policy canceled.  

Interested in buying an auto insurance policy in Blue Ridge, GA? Get in touch with The Insurance Mart for a free estimate. 

Residents who own show cars in the Blue Ridge, GA area need to make sure they have sufficient insurance coverage. The agents of The Insurance Mart can determine what type of coverage you need to protect your investment. Classic or "show" cars are the vintage antiques of the auto industry. From stylish sedans like the ’57 Chevy Bel Air to the strong and powerful muscle cars, these vehicles represent a small glimpse of automotive history.

The Value of the Car

Cars that have been restored will vary when it comes to their value. A classic car that was rebuilt using aftermarket parts will hold less value than one that was restored using all OEM parts. A car with parts made from the original molds used by the manufacturer will be worth much more and should be insured at the highest value possible. This protects you from losing your investment if the vehicle is ever damaged or stolen.

Driven or Stored

In most areas, you will need the same level of insurance no matter if it’s driven or stored and trailered to events. To be fully covered, the insurance policy will be based on the value of the vehicle, but will also provide minimum liability protection against bodily injury and property damage. This also allows you the opportunity to drive it on public roadways, even if it’s only to be used in parades or as an escort.

At The Insurance Mart, the agents are able to help you find the approximate value of your classic car and help you to get the insurance you need to protect it. If you live in the Blue Ridge, GA area and have a muscle or classic car that you want to insure, call the office today and schedule an appointment at your earliest convenience.

Classic cars can be found at car shows, but they are also becoming more common the roads as well. Owners often spend thousands of dollars restoring these older jewels in the crown of the auto industry. It’s important to know what makes these cars so special. A classic car isn’t just an old vehicle that someone decided to fix up.

What Makes It A Classic?

Classic cars belong to different categories, just like newer models. Residents of Blue Ridge, GA can ask the agents at The Insurance Mart if they questions about whether or not their car is considered to be a classic. One of the most popular categories is the muscle car group. The Chevrolet Camaro, Ford Mustang, and Dodge Charger are just a few of the cars that made it into this category. Known for their speed and overall power, these three vehicles were the powerhouses of the auto industry in the late 60s and early 70s.

How Is A Classic Car Insured?

Classic cars are insured in much the same way as any other automobile. The amount of insurance you purchase is based on the value of the vehicle and what it would cost to repair it if it was damaged in any way.

At The Insurance Mart, residents in and around the Blue Ridge, GA area can schedule an appointment to determine whether or not their car meets the guidelines to be considered a classic. They can also help you find the right type of policy that will cover your car if you choose to put it in car shows or drive it on a daily basis. Call the office today and schedule an appointment to get the answers you need!

Everyone needs to learn how to be a good defensive driver. Knowing what to do makes the roadways safer and help to prevent unnecessary accidents. In Blue Ridge, GA, the independent insurance agents at The Insurance Mart would like to share a few defensive driving techniques that will make you a better and more conscientious driver.

1. Increase your visual field. Many new drivers only look at what is directly in front of them. So, they only see the taillights in front of them. This could be dangerous if you aren’t focusing on what’s ahead. If traffic conditions change up ahead, you will be able to see it coming and prepare to slow or stop your vehicle.
2. Always have an escape route. It may take some time to learn this, but as soon as you’ve been in a close call, you’ll understand why it is necessary to have an escape plan when you’re driving. For example, the semi-truck in front of you has a tire that blows out suddenly. Having several feet of distance between you and the truck will give you the right amount of time to escape a collision.
3. Eliminate various driving distractions. The biggest driving distraction in recent history is the cell phone. It is easy to think that you’ll be quick and reply to a text message, but it only takes a second for an accident to occur.Other distractions that you should avoid include eating, drinking, changing your music selections, adjusting your seat belt, and disruptive passengers.

If you are in the Blue Ridge, GA area, come in and talk with our agents at The Insurance Mart. We can discuss new auto policies or adjust your current coverage. We can also get you started on any home, commercial, recreational vehicle, life, health, or renters insurance policies that you may need.

If you live in Blue Ridge, GA, then you will almost definitely need a car to get around really. And if you have a car then you will need auto insurance, preferably through a local broker like The Insurance Mart who serves the local Blue Ridge area. However, some people don’t get insurance or underinsure themselves which can leave them vulnerable to financial ruin if they have an accident or are not covered enough to allow the insurance being able to pay for everything associated with the accident. Below are some tips for people to keep their monthly premiums low and affordable.

ADD MORE PEOPLE TO YOUR POLICY

The more people you have on your policy who have good driving records, you will get lower premiums overall if everyone is splitting the cost of the insurance equally. So if you have others in your family who need insurance, get on the same policy so you can get better rates. The more, the merrier and cheaper.

DRIVE A SAFER, LESS EXPENSIVE VEHICLE

Safer vehicles that are not very expensive to fix will yield a lower insurance premium as well, as it will not be as big a risk for the insurance policy. So if you are considering purchasing a car, know that a safe, less expensive car will save you money in the long run in your insurance premium as well.

ANTI-THEFT DEVICES

Just having an anti-theft device will cause your insurance premiums to be less expensive, as it will allow the police to find your vehicle if it is stolen, or keep someone from stealing it in the first place. So the cost of getting an alarm or tracking system on your vehicle will save you money on auto insurance in the long run.