tag:blogger.com,1999:blog-66773651374979112522024-03-05T06:18:52.157-08:00GUARDIAN INSURANCEalexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.comBlogger39125tag:blogger.com,1999:blog-6677365137497911252.post-1169615262898954562017-09-25T10:06:00.001-07:002017-09-25T10:06:42.311-07:005 Questions to ask before choosing your Auto Insurance<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTwhUcCMFQI9PVRmPOu7GurD_eBTDbsORgcYq66UoD4O9WlkDYIRrjOPS29OOp_-tiRaT6dgz1KlsrKTpY2zZBgCikcMeyD3Uj7iGVIav2DY23L-ndVCk1N8Aphjijdegdm81ZnQJxpth3/s1600/auto-insurance.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTwhUcCMFQI9PVRmPOu7GurD_eBTDbsORgcYq66UoD4O9WlkDYIRrjOPS29OOp_-tiRaT6dgz1KlsrKTpY2zZBgCikcMeyD3Uj7iGVIav2DY23L-ndVCk1N8Aphjijdegdm81ZnQJxpth3/s320/auto-insurance.png" width="320" /></a><span style="font-family: "verdana" , sans-serif;">After taking driving lessons and passing your driving test, you've reached the next stage when you finally have your own car. Before you can drive on the road, auto insurance is top of your to-do list. But looking for an auto insurance company can be a hard topic if you haven't done it before and aren't sure what to look for. Your coverage should reflect your needs, priorities and budget. You’ll want to evaluate how you use your car, what risks you face and what options you want from an insurer before you compare policies and insurers.</span></div>
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<span style="font-family: "verdana" , sans-serif;">To help you on your quest to find the best auto insurance, at <b style="color: #666666; text-align: justify;"><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a></b> located in Fairburn, Lagrange and Norcross, we give you five questions to find out which car insurance is right for you:</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1. What type of Car do you drive?</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Insurers have a lot of data, and they know in precise detail what types of cars, makes and models are more or less likely to incur claims. A flashy sports car with a powerful engine may be more likely to be stolen and cost a lot for body work than a mid-sized sedan and your insurance will be priced accordingly. By the same token, you may receive discounts if your car has the latest safety features and a good safety record.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. What is your risk assessment?</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">The insurance rate you're offered is based on several factors that comprise how much of a "risk" you pose to the company that is, how likely it is that you'll be making a claim. The more of a risk you pose, the higher your rate will be. Companies use data such as your age, sex, driving record, criminal record, credit rating, where you live and where you park to determine your risk. </span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>3. Who else will be Driving the Car?</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Generally, your car insurance will cover other occasional drivers. However, if other drivers live with you and use your car whether a spouse, a teen driver or a housemate, they should be listed on your policy.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>4. What are your Legal Obligations?</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Nearly every state requires that you carry minimum liability coverage for your car. At the very least, you need to make sure your policy complies with state mandates. However, the levels of required coverage are generally pretty low. To be safe, you’ll probably want additional liability coverage and keep in mind, if you are involved in a serious accident, you may be sued for a large sum of money.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>5. Is your Car Financed or Leased?</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">If you still owe money on your car or have to return it in good condition when a lease expires, you’ll likely be required to insure the car for its full value and even for any gap between what you owe and the car’s market value. Collision and comprehensive will cover damage to your car up to its value and supplemental gap insurance will cover the rest.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #666666; text-align: justify;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="background-color: white; color: #666666; text-align: justify;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="background-color: white; color: #666666; text-align: justify;">Fairburn, Lagrange and Norcross, </span><span style="background-color: white; color: #666666; text-align: justify;">we can help you choose the coverage that's right for your needs.</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #666666; text-align: justify;"><br /></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"></span><span style="background-color: white; color: #666666; text-align: justify;">For more Infor</span><span style="background-color: white; color: #666666; text-align: justify;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #666666; text-align: justify;"><br /></span></span><span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"></span><span style="background-color: white; color: #666666; text-align: justify;">Please visit us: </span><a href="http://www.go-guardian.com/" style="background-color: white; color: #888888; text-align: justify;">www.go-guardian.com</a></span></span><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-13324847067366547282017-09-18T12:31:00.001-07:002017-09-18T12:32:00.421-07:00Is a Hurricane covered by Homeowners Insurance?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsqASXlW4Dt2edoTorr4dhHcohCWW4Pt8ZerWf2AN1YAlkeqEypTNUsn8e-GPPBx0HS3oadC923_9l9RNeVPWvNjDFlBBnIuIS9kij4o7airs62is-kmPHBJPHJG-DVXV5yuxRVfiq17Nt/s1600/roof.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="188" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsqASXlW4Dt2edoTorr4dhHcohCWW4Pt8ZerWf2AN1YAlkeqEypTNUsn8e-GPPBx0HS3oadC923_9l9RNeVPWvNjDFlBBnIuIS9kij4o7airs62is-kmPHBJPHJG-DVXV5yuxRVfiq17Nt/s320/roof.jpg" width="320" /></a></div>
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<span style="font-family: "verdana" , sans-serif;">If you live in an area that is susceptible to hurricanes, you likely have certain emergency plans in place. But to know what type of insurance you may need to provide coverage for the kinds of damages a hurricane can cause, you should analyze the area where you live, the types of damages your home may suffer, the limitations that your policy may have in place and the amount of coverage you want to have. </span></div>
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<span style="font-family: "verdana" , sans-serif;">At <b style="text-align: justify;"><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b> located in Fairburn, Lagrange and Norcross, we show you some things to consider when it comes to hurricanes and insurance owners:</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">1. Hurricane damage caused by wind: </span></b></div>
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<span style="font-family: "verdana" , sans-serif;">Wind is typically among the perils covered by a standard homeowners insurance policy. However, some policies partially or completely exclude wind-related damage. It's important to read your home insurance policy or contact your insurance agent to learn if and how your home's structure, as well as your belongings, may be covered against a hurricane's winds.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Be sure to review the amount of coverage you have in place and make any necessary adjustments to help ensure your limits are in line with the potential cost of repairing or rebuilding your home.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">2. Hurricane damage caused by flood:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">Private homeowners insurance policies typically do not cover flood damage. That exclusion also pertains to flooding brought on by or as a result of a hurricane. You may be able to purchase a separate flood insurance policy through the National Flood Insurance Program to help cover such damage.</span></div>
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<span style="font-family: "verdana" , sans-serif;">However, if a hurricane's wind damages your roof, and rain gets in as a result, you may find that homeowners insurance offers some protection if your policy includes coverage for wind.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;">Remember that a Home insurance policy may help protect your wallet, your House and even offer peace of mind. Contact us for more Information, At </span></span><b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;"> located in Fairburn, Lagrange and Norcross we can help you to find the best Renters or Homeowners Insurance!For more Information contact us: (706) 884-5006 or (770) 969-5666</span></span></span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;">Please visit us: </span></span><a href="http://www.go-guardian.com/">www.go-guardian.com</a></span></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-69853302032361253012017-09-11T10:40:00.001-07:002017-09-11T10:47:23.211-07:004 Ways to Prepare for a Hurricane<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgAfVT_twujom1yWC3lJHAx-dGABfECW2NNP-n3zVWWThjHWQhT2ylMyDLoFVf-L6WI53qNG99oDQ1frxoEplzW50kJ66W2aQQnskjq8tCKf4tlcm2te0FLGAGVI3WfWwDAVysCbdIokS0/s1600/hurrican.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgAfVT_twujom1yWC3lJHAx-dGABfECW2NNP-n3zVWWThjHWQhT2ylMyDLoFVf-L6WI53qNG99oDQ1frxoEplzW50kJ66W2aQQnskjq8tCKf4tlcm2te0FLGAGVI3WfWwDAVysCbdIokS0/s320/hurrican.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">Hurricanes are not only a concern for those whose homes are in the path of one, but for relatives and friends who may worry about those in the storm’s path, and getting your family and your home ready for hurricane season isn’t as easy as just closing the door and taking off. </span></div>
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<span style="font-family: "verdana" , sans-serif;">But whether it’s because we downplay the risks of a hurricane, we haven’t experienced a hurricane before, or we have simply become overwhelmed at the thought, some of us may tend to put those preparations off, waiting until the skies cloud up and weather warnings are deployed. Preparedness is essential for dealing with the physical challenges of hurricane season, and it will help you and your family keep peace of mind.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At </span><b style="font-family: Verdana, sans-serif;"><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b><span style="font-family: "verdana" , sans-serif;"> located in Fairburn, Lagrange and Norcross, we give you four tips to make sure you and your family are protected if your home is threatened by a hurricane:</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1.</b> Ensure that your house insurance is up to date: Hurricane season is not the time to buy flood insurance since it's either unavailable or expensive. Most regular home insurance does not include flood coverage in the policy, so you'll have to buy this separately. Just in case the hurricane does do major damage to your home, this will ensure that you’ll be ready and able to rebuild once it’s all over.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2.</b> Buy enough food and water to last a few days: Canned food is the only kind acceptable for an event such as a hurricane; check the expiration dates to make sure the food is fresh. Always have these supplies on hand so that you can respond whenever an emergency arises.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Water, one gallon per person per day (three-day minimum)</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Food, a three-day supply of no-cook foods</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Flashlights, with extra batteries</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Hand-crank or battery-powered radio, with extra batteries</span></div>
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<span style="font-family: "verdana" , sans-serif;">- NOAA weather radio</span></div>
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<span style="font-family: "verdana" , sans-serif;">- First-aid kit</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Cell phone charger, inverter or solar charger</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Supply of plywood, for temporary storm shutters</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Fill up the bathtub if you decide to stay home. An average bathtub full of water holds enough water for about three days. It also makes it possible to flush the toilet using a bucket.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- There is a lot of water in the hot water heater of your home. An average 150-liter water heater has enough water to keep a single person alive for a month. See here for details.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>3.</b> Make an Emergency plan: </span></div>
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<span style="font-family: "verdana" , sans-serif;">- Develop an evacuation plan: Identify a location where family will meet within your neighborhood, and a second one immediately outside of it, the agency says. Contact local officials to identify community evacuation routes, and then do a test run.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Create a family communication plan: Designate an out-of-area contact that household members can each notify when they’re safe. Program this contact and other emergency numbers into cellphones, and create a paper version to keep handy.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Make special plans for special needs: (Older family members, those with disabilities, infants, pets, etc.)</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>4. </b>Make plans to better fortify your home: </span></div>
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<span style="font-family: "verdana" , sans-serif;">There are affordable methods and products that can help minimize hurricane damage, including:</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Bracing garage doors</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Installing storm shutters on windows and sliding glass doors </span></div>
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<span style="font-family: "verdana" , sans-serif;">- Applying wood adhesive where the roof deck and rafters intersect</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Applying a peel-and-stick water barrier to roof deck joints</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;">Remember that a Home insurance policy may help protect your wallet, your House and even offer peace of mind. Contact us for more Information, At </span></span><b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;"> located in Fairburn, Lagrange and Norcross we can help you to find the best Renters or Homeowners Insurance!For more Information contact us: (706) 884-5006 or (770) 969-5666</span></span></span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666;"><span style="background-color: white;">Please visit us: </span></span><a href="http://www.go-guardian.com/">www.go-guardian.com</a></span></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-2029096456115168112017-08-28T08:30:00.003-07:002017-08-28T08:32:13.171-07:00What to do in case of Flood<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_gqC7mD22qx-xN2-b29m0nAw74X9ssS_CuryHgC_JmKZAC5BvOCAsmKm2ARoFEGc_twfk138V4uuEwi0H0wbYfceL5SG9UKmUajPgA_t9Y33yzddzciw2TBP7KZ7tJdV5OF2IiounguB8/s1600/case-of-flood.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="292" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_gqC7mD22qx-xN2-b29m0nAw74X9ssS_CuryHgC_JmKZAC5BvOCAsmKm2ARoFEGc_twfk138V4uuEwi0H0wbYfceL5SG9UKmUajPgA_t9Y33yzddzciw2TBP7KZ7tJdV5OF2IiounguB8/s320/case-of-flood.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">At <b style="text-align: justify;"><a href="http://www.go-guardian.com/">GUARDIAN </a></b><b><a href="http://www.go-guardian.com/">INSURANCE </a></b><b><a href="http://www.go-guardian.com/">AGENCY</a> </b></span><span style="font-family: "verdana" , sans-serif;">located in Fairburn, Lagrange and Norcross, we give you some tips that can help protect you and your family in case of flood:</span></div>
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<span style="font-family: "verdana" , sans-serif;">1. Flood watches are issued when rain is heavy enough to cause rivers to overflow.</span></div>
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<span style="font-family: "verdana" , sans-serif;">2. Flood warnings describe the severity of the situation and indicate when and where the flood will begin.</span></div>
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<span style="font-family: "verdana" , sans-serif;">3. Flash flood watches are issued when heavy rain is occurring or is expected to occur.</span></div>
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<span style="font-family: "verdana" , sans-serif;">4. Flash flood warnings are issued when flooding is occurring suddenly. In the event of flash flooding, move immediately to high ground.</span></div>
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<span style="font-family: "verdana" , sans-serif;">5. Educate your family and yourself about your community's flood warnings.</span></div>
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<span style="font-family: "verdana" , sans-serif;">6. Develop a plan for you and your family to communicate if you are separated when a flood comes.</span></div>
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<span style="font-family: "verdana" , sans-serif;">7. If you are moving into a new home, apartment or business location, make sure you have adequate insurance coverage. Your bank, local officials or insurance representative can inform you if your location is at risk of flooding.</span></div>
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<span style="font-family: "verdana" , sans-serif;">8. Flood insurance is excluded under homeowners and renters policies, but it is covered under the comprehensive section of standard automobile insurance policies and some coverage is available for floods under special commercial insurance policies.</span></div>
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<span style="font-family: "verdana" , sans-serif;">9. Flood insurance for homeowners, renters and businesses is administered through the federal government and can be purchased from an insurance agent.</span></div>
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<span style="font-family: "verdana" , sans-serif;">10. Flood insurance is only available where the local government has adopted adequate flood plain management regulations under the National Flood Insurance Program (NFIP). Most communities participate in the program.</span></div>
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<span style="font-family: "verdana" , sans-serif;">11. Flood insurance covers direct physical losses from floods and losses resulting from flood-related erosion caused by waves or currents of water exceeding anticipated cyclical levels and accompanied by a severe storm, flash flood, abnormal tide surge or a similar situation which results in flooding. Flood insurance also may cover mudslides.</span></div>
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<span style="font-family: "verdana" , sans-serif;">12.Coverage for the structure and contents of the home are sold separately. Buildings are covered for replacement cost but content coverage is available on an actual cash value basis only.</span></div>
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<span style="font-family: "verdana" , sans-serif;">13. Maintain a supply of emergency materials: plywood, plastic sheeting, nails, hammer, shovels, sandbags, flashlight, batteries, battery-operated radio, first aid kit, medication, sturdy shoes, emergency food and water, cash and credit cards.</span></div>
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<span style="font-family: "verdana" , sans-serif;">14. Install a system to prevent flood water from backing up in sewer drains.</span></div>
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<span style="font-family: "verdana" , sans-serif;">15. Locate switches to turn off gas, electricity and water.</span></div>
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<span style="font-family: "verdana" , sans-serif;">16. Make a home inventory listing all of your possessions to help facilitate the claim filing process if your belongings are damaged or destroyed.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;">Remember that a Home insurance policy may help protect your wallet, your House and even offer peace of mind. Contact us for more Information, At </span></span><b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;"> located in Fairburn, Lagrange and Norcross we can help you to find the best Renters or Homeowners Insurance!For more Information contact us: (706) 884-5006 or (770) 969-5666</span></span></span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;">Please visit us: </span></span><a href="http://www.go-guardian.com/">www.go-guardian.com</a></span></div>
alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-30289277674526037962017-08-18T16:23:00.002-07:002017-08-18T16:25:18.860-07:006 Elements that determine your Car Insurance Premiums<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7BxCaneaQiR16iLucEKTE9M0ShyphenhyphenxEQMvipFSN3fxQVk6viskHB5ihUobPqWuLTDa7Ly9hMx035Bm-Z5HfitvA6DhoUXGHm48GmktWiR2LOqwnajKJaAnkNfqF9feEwUBc5DmKChyjsujw/s1600/car-insurance.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7BxCaneaQiR16iLucEKTE9M0ShyphenhyphenxEQMvipFSN3fxQVk6viskHB5ihUobPqWuLTDa7Ly9hMx035Bm-Z5HfitvA6DhoUXGHm48GmktWiR2LOqwnajKJaAnkNfqF9feEwUBc5DmKChyjsujw/s320/car-insurance.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">Car insurance rates are carefully thought-out calculations, believe it or not, they aren't arbitrary numbers made up by auto insurance providers.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Using your personal information and company claim data, car insurance companies use their own algorithms to make a calculation on how much you could cost the insurer. The riskier you appear, the more you will pay for car insurance. The safer you seem, the less you'll pay.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At <b style="color: #666666; text-align: justify;"><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a></b> located in Fairburn, Lagrange and Norcross, we want to give you five elements that affect and determine your car insurance premiums:</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">1. Driving experience:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">Inexperienced drivers pose more risk. Anyone who hasn't driven a car is automatically a higher risk to car insurance companies, whether you're 16 or 50 years of age.</span><br />
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<span style="font-family: "verdana" , sans-serif;">Teens are the biggest category of inexperienced drivers and also pay the most because their age and inexperience are a double whammy. A 40-year-old getting a license is thought to be more mature and conservative than a 16-year old behind the wheel and receives a lower rate.</span><br />
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<span style="font-family: "verdana" , sans-serif;">The more years you have under your belt, the better. Even better for your wallet is if you have been licensed for many years and have a clean driving record. That combo will get you better rates, plus discounts for being a good driver.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">2. Vehicle type:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">Car insurance providers often develop vehicle safety ratings by collecting a large amount of data from customer claims and analyzing industry safety reports, and they offer discounts to customers who drive safer vehicles.</span></div>
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<span style="font-family: "verdana" , sans-serif;">The opposite can apply for dangerous, flashy rides. Some insurers increase premiums for cars more susceptible to damage, occupant injury, or theft, and they lower rates for those that fare better than the norm on those measures.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">3. How often, and how far, you drive: </span></b></div>
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<span style="font-family: "verdana" , sans-serif;">Insurers also want to know why you're driving your car. A vehicle used to commute to school or work poses more of a risk than the car you only take out of the garage once a week. Personal use of a vehicle costs less than business use, since those using their car for business purposes have a higher chance of being in an accident due to increase driving time.</span><br />
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<span style="font-family: "verdana" , sans-serif;">People who use their car for business and long-distance commuting normally pay more than those who drive less. The more miles you drive in a year, the higher the chances of a crash - regardless of how safe a driver you are.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">4. Where you live:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">Generally, due to higher rates of vandalism, theft, and crashes, urban drivers pay more for car insurance than do those in small towns or rural areas.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">5. Your driving record:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">How safe of a driver you are is really important to your car insurance company because your behavior on the road directly affects your risk to an insurer. Drivers with a clean driver's history qualify for better rates and also are eligible for a good/safe driver discount.</span><br />
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<span style="font-family: "verdana" , sans-serif;">Drivers who cause crashes generally must pay more than those who have gone crash-free for several years.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">6. Your credit history:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">It has been shown certain credit information can be predictive of future insurance claims. Where applicable, many insurance companies use credit history to help determine the cost of car insurance. Maintaining good credit can have a positive impact on the cost of your car insurance.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Your credit rating and history may also affect how an insurance company allows you to pay for your policy. Since statistics have shown that customers with low credit scores are more likely to miss a payment, insurers may ask you to pay a large percentage of the policy up front. Customers with very poor credit scores may be required to pay the entire 6 or 12 month premium upfront in order for the policy to be issued.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #666666; text-align: justify;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="background-color: white; color: #666666; text-align: justify;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="background-color: white; color: #666666; text-align: justify;">Fairburn, Lagrange and Norcross, </span><span style="background-color: white; color: #666666; text-align: justify;">we can help you choose the coverage that's right for your needs.</span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"></span><span style="background-color: white; color: #666666; text-align: justify;">For more Infor</span><span style="background-color: white; color: #666666; text-align: justify;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"></span><span style="background-color: white; color: #666666; text-align: justify;">Please visit us: </span><a href="http://www.go-guardian.com/" style="background-color: white; color: #888888; text-align: justify;">www.go-guardian.com</a></span><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-89545852686752137442017-08-14T13:21:00.003-07:002017-08-14T13:21:47.533-07:00All that you need to know about Homeowners Insurance<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMeOOSt4XVPgMg-d2OBM6VY1toH9J6WQXvdvX2FdLPj9no7CgxPhvAdJrwchUPvoRPUap3rNlCDZVQXTjZKt_vN75IajnxO-345D9wKwLFODjkv769iXcQ4sYmpltT1zgLYYha7RqMSjcE/s1600/Homeowner-Insurance.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="197" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMeOOSt4XVPgMg-d2OBM6VY1toH9J6WQXvdvX2FdLPj9no7CgxPhvAdJrwchUPvoRPUap3rNlCDZVQXTjZKt_vN75IajnxO-345D9wKwLFODjkv769iXcQ4sYmpltT1zgLYYha7RqMSjcE/s320/Homeowner-Insurance.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Homeowners insurance covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At <b style="text-align: justify;"><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b><span style="color: #666666; text-align: justify;"><span style="background-color: white;"> </span></span>located in Fairburn, <g class="gr_ gr_51 gr-alert gr_gramm gr_inline_cards gr_run_anim Punctuation only-ins replaceWithoutSep" data-gr-id="51" id="51" style="animation: gr__appear_critical 0.4s ease forwards; background-image: url("data:image/svg+xml; background-position: -1px calc(100% + 3px); background-repeat: no-repeat; background-size: calc(100% + 1px) 100%; border-bottom: 2px solid transparent; http: //www.w3.org/2000/svg' width='100%' height='100%'%3E%3Cline opacity='0.75' x1='4' y1='100%' x2='100%' y2='100%' transform='translate(-1.5, -2.5)' stroke-width='3' stroke-linecap='round' stroke='%23fc5454'/%3E%3C/svg%3E");">Lagrange</g> and Norcross, we give you the information that you need to know about Homeowners Insurance:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Most standard homeowners insurance policies include four essential types of coverage:</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1. Coverage for the structure of your home:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Your <g class="gr_ gr_52 gr-alert gr_gramm gr_inline_cards gr_run_anim Grammar multiReplace" data-gr-id="52" id="52" style="animation: gr__appear_critical 0.4s ease forwards; background-image: url("data:image/svg+xml; background-position: -1px calc(100% + 3px); background-repeat: no-repeat; background-size: calc(100% + 1px) 100%; border-bottom: 2px solid transparent; http: //www.w3.org/2000/svg' width='100%' height='100%'%3E%3Cline opacity='0.75' x1='4' y1='100%' x2='100%' y2='100%' transform='translate(-1.5, -2.5)' stroke-width='3' stroke-linecap='round' stroke='%23fc5454'/%3E%3C/svg%3E");">homeowners</g> policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. Coverage for your personal belongings:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance on the structure of your home. The best way to determine if this is enough coverage is to conduct a home inventory.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Expensive items like jewelry, art, <g class="gr_ gr_50 gr-alert gr_gramm gr_inline_cards gr_run_anim Punctuation only-ins replaceWithoutSep" data-gr-id="50" id="50" style="animation: gr__appear_critical 0.4s ease forwards; background-image: url("data:image/svg+xml; background-position: -1px calc(100% + 3px); background-repeat: no-repeat; background-size: calc(100% + 1px) 100%; border-bottom: 2px solid transparent; http: //www.w3.org/2000/svg' width='100%' height='100%'%3E%3Cline opacity='0.75' x1='4' y1='100%' x2='100%' y2='100%' transform='translate(-1.5, -2.5)' stroke-width='3' stroke-linecap='round' stroke='%23fc5454'/%3E%3C/svg%3E");">collectibles</g> and silverware are covered, but there are usually dollar limits if they are stolen. To insure these items to their full value, purchase a special personal property endorsement or floater and insure the item for its officially appraised value.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>3. Liability protection:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. </span></div>
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<span style="font-family: "verdana" , sans-serif;">The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit stated in your policy documents.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Your policy also provides no-fault medical coverage, so if a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses are paid without a liability claim being filed against you. It does not, however, pay the medical bills for your own family or your pet.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>4. Additional living expenses if you are temporarily unable to live in your home because of an insured disaster:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Additional living expenses pay the additional costs of living away from home if you cannot live there due to damage from an insured disaster. It covers hotel bills, restaurant <g class="gr_ gr_53 gr-alert gr_gramm gr_inline_cards gr_run_anim Punctuation only-ins replaceWithoutSep" data-gr-id="53" id="53" style="animation: gr__appear_critical 0.4s ease forwards; background-image: url("data:image/svg+xml; background-position: -1px calc(100% + 3px); background-repeat: no-repeat; background-size: calc(100% + 1px) 100%; border-bottom: 2px solid transparent; http: //www.w3.org/2000/svg' width='100%' height='100%'%3E%3Cline opacity='0.75' x1='4' y1='100%' x2='100%' y2='100%' transform='translate(-1.5, -2.5)' stroke-width='3' stroke-linecap='round' stroke='%23fc5454'/%3E%3C/svg%3E");">meals</g> and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.</span></div>
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<span style="color: #666666; font-family: verdana, sans-serif;"><span style="background-color: white;">Remember that a Home insurance policy may help protect your wallet, your House and even offer peace of mind. Contact us for more Information, At </span></span><b style="font-family: Verdana, sans-serif;"><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b><span style="color: #666666; font-family: verdana, sans-serif;"><span style="background-color: white;"> located in Fairburn, Lagrange and Norcross we can help you to find the best Renters or Homeowners Insurance!For more Information contact us: (706) 884-5006 or (770) 969-5666</span></span></div>
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<span style="color: #666666; font-family: verdana, sans-serif;"><span style="background-color: white;">Please visit us: </span></span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-87533271079594230702017-08-07T11:04:00.003-07:002017-08-18T16:19:36.048-07:00How to choose the right Car Insurance for College Students<span style="font-family: "verdana" , sans-serif;"></span><br />
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<span style="font-family: "verdana" , sans-serif;">For many teens, heading off to college is an exciting time, it means living on their own, making new friends, and dealing with adult situations, one such situation is making sure your car insurance is the right option. </span></div>
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<span style="font-family: "verdana" , sans-serif;">It is possible to get a good car insurance plan if you're a college student. You just have to know how to look and what to look for. Far beyond simply signing up for the plan that is the cheapest, you may find and make the most out of specific discounts that you may not have even known about until now. Not only is it important to get car insurance at the right price, but it's also a good idea to find the right plan to meet your needs. </span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">At <b style="color: #666666; text-align: justify;"><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in Fairburn, Lagrange and Norcross, we give some tips for college students to consider before choosing the right car insurance:</span></span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><b>1. Think about how much driving you will be doing:</b></span></span></div>
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Whether you're going to college or commuting, you may want to increase your coverage or decrease it. If you're leaving your car parked at parents' home while you live on campus, you may be able to save them a few extra dollars. According to the Insurance Information Institute, if your college is at least 100 miles away from home, your parents may qualify for the "resident student" discount. This discount could lower your car insurance bill by as much as 30 percent per month.</div>
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On the other hand, going to college may cause you to reconsider your coverage choices. If your daily commute is going to get longer, now may be the best time to revisit your coverage limits to make sure you're well-insured in case of an accident.</div>
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Collision coverage may be a good idea if you'll be driving to and from class, for example. It may help pay to repair your car if it's damaged in an accident with another vehicle or object.</div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. Check Out the Campus Security:</b></span></div>
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If you're taking your car to school, think about where it will be parked. If it's most often parked outside, for example, consider comprehensive coverage. It may help pay to replace your car if it's stolen or repair it if it's damaged by things like hail or vandalism.</div>
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It's always a good idea to research local crime statistics before taking up temporary residence. This gives you a good idea of what to expect, as well as how to prepare for life in your new surroundings. If you're going away to college and bringing your car to a location with a higher crime rate, talk to a car insurance agency about protection that covers you in the event of theft. It may also be a good time to purchase an anti-theft device for your car. Doing so may not only cut back on the likelihood of your stuff being stolen, but it might also land you a discount.</div>
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<b>3. Good grades benefits:</b></div>
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Those who know about the savings offered to teenage drivers with good grades will be happy to find out that the discount doesn't stop when you graduate high school. Most insurance companies continue to offer good grade benefits to students up to age 25. If you continue to get good grades in your higher education studies, you could still see a discount on your car insurance bill.</div>
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There isn’t a one perfect car insurance recommendation for college students. Each student has his or her own individual needs, which in turn can affect the amount of coverage needed and the dollar amount of the premium.</div>
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</span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">Fairburn, Lagrange and Norcross, </span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">we can help you choose the coverage that's right for your needs.</span><span style="font-family: "verdana" , sans-serif;"><br /><div style="text-align: justify;">
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</span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">For more Infor</span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">mation contact us: (706) 884-5006 or (770) 969-5666</span><span style="font-family: "verdana" , sans-serif;"><br /><div style="text-align: justify;">
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</span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">Please visit us: </span><a href="http://www.go-guardian.com/" style="background-color: white; color: #888888; font-family: Verdana, sans-serif; text-align: justify;">www.go-guardian.com</a><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-53115965841094574502017-07-31T14:57:00.003-07:002017-07-31T15:01:44.726-07:005 Tips to Keep your Home safe while on Vacation <div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFMnIzNohURKALW4D7-ufMK1ALNtnnYutFo8hWr1mlfwoOY0CIfqhAMLclhiD_ueNidBZE15wPjL30E1Oza3Gs6kBLxOvLJJV1cAEoNGgWaOX9NpHTF3NjQRAsmxIjS-yHGOzaNgCgL8Lm/s1600/security-home.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="125" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFMnIzNohURKALW4D7-ufMK1ALNtnnYutFo8hWr1mlfwoOY0CIfqhAMLclhiD_ueNidBZE15wPjL30E1Oza3Gs6kBLxOvLJJV1cAEoNGgWaOX9NpHTF3NjQRAsmxIjS-yHGOzaNgCgL8Lm/s320/security-home.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">After you have planned your itinerary, you need to consider how to best protect your home while on vacation. Of course you never leave expecting that something bad will happen, but take precautions before you leave. A little extra vigilance will help keep your property and belongings safer while you're gone.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in Fairburn, Lagrange and Norcross, we give you five tips to help you protect your home while on Vacation:</span></div>
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<span style="font-family: "verdana" , sans-serif;">1. If it looks like there are still people at home, you are much less likely to be robbed. Do everything you can to make it look like there is activity both inside and outside the house. This would be an excellent time to have some lawn or exterior work done. You may need to make arrangements with whoever is doing the work, either paying them a deposit ahead of time, or arranging to pay the balance at a later date.</span></div>
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<span style="font-family: "verdana" , sans-serif;">2. To help create the illusion that the residence is still occupied, invest in timers that turn on the interior lights for a few hours every evening. </span></div>
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<span style="font-family: "verdana" , sans-serif;">You could also consider having some lights or motion sensors put in. A battery operated push light in the window can be a great idea. Better yet, connect some outside and inside lights to motion sensors. This way, if anyone gets too close, the lights will come on automatically.</span></div>
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<span style="font-family: "verdana" , sans-serif;">3. An easy, low tech way to make sure that your place is covered is by asking a trusted friend, neighbor or family member. Have them go over to your home several times a week just to check on everything. You could also have them collect mail and take the trash cans out and/or bring them back in. In some cases, the local police department is able to help with a few of these tasks. This is not a replacement for a trusted friend or neighbor. However, having a police officer do a ‘vacation check’ a few times while you are away is still an additional level of security.</span></div>
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<span style="font-family: "verdana" , sans-serif;">4. Installing a home security system is a good way to ramp up security around the old homestead and make your house safer whether you're around or not. There is no better way to secure your home while you are away on vacation than a home alarm system. With the technology available, at minimum you will be able to have a system with a control panel, door and window sensors, motion sensors, glass break sensors and often times these features can be monitored using your cell phone. </span></div>
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<span style="font-family: Verdana, sans-serif;">5. Take the final trip through the house before you leave. Check to make sure that all windows and doors are closed and locked, that there is no water running and that all unnecessary appliances are off. If you are leaving your home vacant for a long period of time, you may need to purchase special vacant home insurance. Talk to your insurance agency you're planning on being more than a few weeks away.</span></div>
<span style="font-family: Verdana, sans-serif;"><span style="text-align: justify;"><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;"><br /></span></span></span> <span style="font-family: Verdana, sans-serif;"><span style="text-align: justify;"><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;">Remember that a Home insurance policy may help protect your wallet, your House and even offer peace of mind. Contact us for more Information, At </span></span><b style="font-family: Verdana, sans-serif;"><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b><span style="color: #666666; font-family: "verdana" , sans-serif;"><span style="background-color: white;"> located in Fairburn, Lagrange and Norcross we can help you to find the best Renters or Homeowners Insurance!</span></span></span><span style="text-align: justify;">For more Information contact us: (706) 884-5006 or (770) 969-5666</span></span></span><br />
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<span style="font-family: Verdana, sans-serif;"><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a></span></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-3652468715470583982017-07-24T17:39:00.001-07:002017-07-24T17:47:09.252-07:00Tips for finding the right Car Insurance Company<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqx5qq5TQfAwhQDQtZyXaYW-xc_DVilnjaAWW7xP6V1tYcXNayiPpxEBTYX97T4EEH-xlwaGvI79iUsONl2sEBcgE4Ti4MTNx2JpbTK4A97yV5_7-xhhUwIDuu3E6Bi9e0vK1WBZhK7rAM/s1600/car-insurance.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="201" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqx5qq5TQfAwhQDQtZyXaYW-xc_DVilnjaAWW7xP6V1tYcXNayiPpxEBTYX97T4EEH-xlwaGvI79iUsONl2sEBcgE4Ti4MTNx2JpbTK4A97yV5_7-xhhUwIDuu3E6Bi9e0vK1WBZhK7rAM/s320/car-insurance.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">When you are looking for the right Car Insurance company, setting your priorities, checking reputations and financial standings, comparing quotes, shopping for the best car insurance company for your needs might be a difficult and daunting task but at <b style="color: #666666;"><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b></span><span style="font-family: "verdana" , sans-serif;">located in Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we give you three tips to help you whit that important decision: </span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1. Compare different Car Insurance Quotes:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">- First and foremost, never look at just one or two car insurance companies; always get and compare at least three quotes.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Talk with family members and friends about their car insurance providers.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Look for auto insurance companies that offer discounts and good-driver rewards programs.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Ask about bundling insurance policies also known as “multi-line coverage," some companies provide discounts for purchasing two or more lines of coverage.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Check out the companies' social media accounts.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. Check for Reputation:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Once you've found a few compatible car insurance companies, do some investigative work and check out the companies' reputation.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Check with your state’s Department of Insurance website and make sure the company is licensed to sell auto insurance in your state.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>3. Consider working with an Agent or Broker:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">The difference between car insurance agents and car insurance brokers is that, generally, agents work with one company while brokers work with several companies.</span></div>
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<span style="font-family: "verdana" , sans-serif;">So, while an agent can help you get the best coverage and rates from his or her particular company, a broker can shop around and help you find the best coverage and rates from a number of companies. </span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #666666; text-align: justify;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="background-color: white; color: #666666; text-align: justify;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="background-color: white; color: #666666; text-align: justify;">Fairburn, Lagrange and Norcross, </span><span style="background-color: white; color: #666666; text-align: justify;">we can help you choose the coverage that's right for your needs.</span></span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666; font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="color: #888888;">www.go-guardian.com</a></span></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-26836998024199545802017-07-17T14:11:00.001-07:002017-07-17T14:18:02.648-07:00What happens after your Car gets totaled in an Accident?<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2HEsw-VtSyiHMOqR7vGgHpW6x5LhpXU2mWEzSeWFoY57j1utPcchXUMVm9KZWlBpYIv4vA5EBavwuyQvggwvZL7kTypdnqlQ02YkGFXxoRMEMvgNHg9i_sXNGu2Yi0PLjGwx7Oe9vAjS_/s1600/Car-Accident.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="237" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2HEsw-VtSyiHMOqR7vGgHpW6x5LhpXU2mWEzSeWFoY57j1utPcchXUMVm9KZWlBpYIv4vA5EBavwuyQvggwvZL7kTypdnqlQ02YkGFXxoRMEMvgNHg9i_sXNGu2Yi0PLjGwx7Oe9vAjS_/s320/Car-Accident.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">A car is considered totaled when the cost of repair the auto exceeds the value of the car. Some states have laws that define a totaled vehicle by specific limits. In other cases, the insurer determines whether a vehicle is considered a total loss.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><br /></span> <span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">At </span><span style="font-family: "verdana" , sans-serif;"><b style="background-color: white; color: #666666;"><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in Fairburn, Lagrange and Norcross, we give you some important information </span>to take in mind when your car is totaled in an accident:</span></div>
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<span style="font-family: "verdana" , sans-serif;">1. Collision coverage and comprehensive coverage help pay to replace a totaled vehicle. These two coverages are typically required on your car insurance policy if you're leasing or financing your vehicle. If your vehicle is totaled and you don't have comprehensive or collision coverage, you may have to pay out of pocket to buy a replacement vehicle.</span></div>
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<span style="font-family: "verdana" , sans-serif;">2. To determine your car's worth at the time of the accident, insurers typically use a number of factors to figure your car's actual cash value including its age, condition, mileage and resale value, plus the selling price of similar vehicles in your area.</span></div>
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<span style="font-family: "verdana" , sans-serif;">3. If you're involved in a car accident, there are a few basic steps to follow before and after your vehicle is considered totaled:</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Contact your Insurance agent and initiate an insurance claim.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Get the damaged vehicle inspected at an auto body shop. The shop will provide a repair estimate, including both parts and labor.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Your insurer will determine whether the vehicle is a total loss, based on repair costs.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Your insurer will cut you a check for the actual cash value of the totaled vehicle, minus your deductible on your comprehensive or collision coverage.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #666666; text-align: justify;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="background-color: white; color: #666666; text-align: justify;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="background-color: white; color: #666666; text-align: justify;">Fairburn, Lagrange and Norcross, </span><span style="background-color: white; color: #666666; text-align: justify;">we can help you choose the coverage that's right for your needs.</span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666; font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="color: #888888;">www.go-guardian.com</a></span></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-69639714487380390372017-07-10T14:56:00.005-07:002017-07-10T14:57:35.021-07:005 Types of Insurance you need to protect your Business<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmX6LgJsx-llFyECtTOt-aWYV6UYUoGetjd6C3fG0_F0QHTRTV_cis2ATFZ5qC-RUUMrsvb66dwvDWV9z4s_qY6jauO8r1NeUG7HBIyhDPI1ASAoL2i_92W0MhwdgpdifQOfhHzWDzZcuF/s1600/business+insurance.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmX6LgJsx-llFyECtTOt-aWYV6UYUoGetjd6C3fG0_F0QHTRTV_cis2ATFZ5qC-RUUMrsvb66dwvDWV9z4s_qY6jauO8r1NeUG7HBIyhDPI1ASAoL2i_92W0MhwdgpdifQOfhHzWDzZcuF/s320/business+insurance.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">When you own a business, you are exposed to certain risks and you have a lot to protect, so the right insurance coverage for your business can be important to your continued success. Luckily, there are a variety of coverages to choose from when it comes to protecting your business.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At </span><b style="font-family: Verdana, sans-serif;"><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b><span style="font-family: "verdana" , sans-serif;">located in Fairburn, Lagrange and Norcross, we give you five types of Insurance that could help protect your business:</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1. Business Liability Insurance Coverage:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">No matter how careful you are, you may find yourself in a variety of situations that could result in a lawsuit against your business, so it's a good idea to be prepared.There are three types of business liability coverage:</span></div>
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<span style="font-family: "verdana" , sans-serif;"><u>- General liability coverage:</u> This type of coverage protects you in case you are sued because of accidents, injuries or claims of negligence. For example, if someone is injured on the premises of your business and files a lawsuit against you, this type of coverage may help cover some of the related costs.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><u>- Product liability coverage:</u> If your company manufactures or sells a product, this type of coverage may come in handy. It protects you in case your product is defective and causes injury or damage.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><u>- Professional liability coverage:</u> Businesses that provide services often purchase this type of coverage, which protects against errors and negligence.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. Small Business Property Insurance Coverage:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">The most obvious reason to purchase small business insurance is to protect your tangible investment, from your merchandise to the tools you use to make your business work. </span></div>
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<span style="font-family: "verdana" , sans-serif;">The property coverage in a business insurance policy can help protect the physical property of your business against certain causes. This coverage may protect the actual building in which your business is housed, as well as inventory, equipment, furnishings and other property you have there. It may also cover other costs, such as equipment breakdowns or the cost of removing debris after a covered loss.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>3. Insurance Coverage relating to Employees:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Depending on the number of employees you have, as well as other factors, there may be additional insurance considerations. Employment practices liability coverage, for example, helps protect you in case a former employee files a groundless claim against your company.</span></div>
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<span style="font-family: "verdana" , sans-serif;">All states except Texas require businesses with a certain minimum number of employees (3-5) to have workers compensation coverage, which may help protect them in the event that an employee is injured on the job.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>4. Data Compromise Insurance Coverage:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Data compromise coverage, or data breach coverage, is another way to protect your business. This type of coverage helps protect against any associated legal or other costs in the event that personal data of employees or customers is stolen or accidentally released by your company.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>5. Insurance Coverage for Business Cars:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Just like your personal car, your business vehicle needs to be protected. Business car coverage is available to help protect your company against liability arising from accidents in your company's vehicle, as well as other features, depending on the policy.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Remember that a Business insurance policy may help protect your wallet, your Business and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span></span><br />
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<span style="color: black; font-family: "verdana" , sans-serif; font-style: normal; font-weight: normal; letter-spacing: normal; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a></span><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-29788354119863497622017-07-03T14:12:00.006-07:002017-07-03T14:14:52.393-07:00Tips for comparing Car Insurance Rates<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfKYNzhX8x5YxxMsz9_IaWsIR8xwewTYCozUWOjdeSpCZPK-sJLs3nMTWrkjF1tNNX_vvhczo0AUgU1j6s0iBoHDcJ4aByhkcYQqFlSDH2VXxiE9Ew9S_74LonX2faDZkJsn6AuF6APZgv/s1600/auto+insurance.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfKYNzhX8x5YxxMsz9_IaWsIR8xwewTYCozUWOjdeSpCZPK-sJLs3nMTWrkjF1tNNX_vvhczo0AUgU1j6s0iBoHDcJ4aByhkcYQqFlSDH2VXxiE9Ew9S_74LonX2faDZkJsn6AuF6APZgv/s320/auto+insurance.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">If you are doing an annual review of your finances or if you just bought a new car, comparing car insurance rates can be a good way to evaluate if you are getting more for your money.</span></div>
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<span style="font-family: "verdana" , sans-serif;">The Insurance Information Institute (III) suggests getting at least three quotes from auto insurance providers. Every quote you get should be for the same set of coverages, limits and deductibles, so you can actually compare them side by side.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At<span style="background-color: white; color: #666666;"> </span><b style="background-color: white; color: #666666;"><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a></b> located in Fairburn, Lagrange and Norcross, we give you some important information on how you should compare your auto insurance rates:</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1. Set similar deductibles: </b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Some car insurance coverages, such as collision coverage and comprehensive coverage, typically come with a deductible that you may be able to adjust. A deductible is the amount you'll pay out of pocket toward a covered claim. Increasing your deductible may lower your car insurance premiums. However, a higher deductible means you'll pay more out of pocket before your insurance coverage kicks in after a covered loss.</span></div>
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<span style="font-family: "verdana" , sans-serif;">When you are comparing car insurance rates, the deductibles you choose should be the same for each quote so you can make an accurate comparison.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. Select appropriate liability limits:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Auto liability coverage is required in most states. Liability coverage may help pay for car repair and medical bills of another driver if you cause an accident.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Most states set minimum liability coverage limits that drivers must purchase but have the option of increasing your auto liability limits. If you cause an accident and the damage exceeds your state's minimum liability coverage limits, you could end up paying out of pocket for additional expenses.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Whether you select the state minimums or increase your coverage, make sure the limits you set for bodily injury liability coverage and property damage liability coverage are the same for every quote you compare. Bodily injury liability coverage helps cover expenses of another person's physical injury if you are found liable in an accident. Property damage liability coverage helps pay for damages you may cause to another person's property.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>3. Choose the same coverages:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">To accurately compare car insurances rates, make sure you've selected the same set of required and optional coverages for each quote you get.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><u>Required:</u></span></div>
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<li><span style="font-family: "verdana" , sans-serif;">Liability coverage: May help pay for another person's property damage or medical bills if you cause an accident. </span></li>
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<u style="font-family: verdana, sans-serif; text-align: justify;">Required in some states:</u><br />
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<li><span style="font-family: "verdana" , sans-serif;">Uninsured and underinsured motorist coverage: May help protect you against damages caused by a driver without insurance or not enough insurance. </span></li>
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<li><span style="font-family: "verdana" , sans-serif;">Medical payments coverage: May help pay for medical expenses if you or your passengers are injured in a car accident. </span></li>
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<li><span style="font-family: "verdana" , sans-serif;">Personal injury protection (not available in all states): May help pay for hospital bills, lost income and even child-care services if you're injured in a car accident. </span></li>
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<u style="font-family: verdana, sans-serif; text-align: justify;">Typically optional:</u><br />
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<li><span style="font-family: "verdana" , sans-serif;">Comprehensive coverage: May help pay for damage to your car not caused by a collision. Coverage may include theft, vandalism or damaged caused by animals. </span></li>
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<li><span style="font-family: "verdana" , sans-serif;">Collision coverage: May help pay to repair your car if it's been damaged or destroyed in a collision with another vehicle or object such as a fence. </span></li>
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<li><span style="font-family: "verdana" , sans-serif;">Rental reimbursement coverage: May help pay for a rental car while your car is being repaired after a covered loss. </span></li>
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<li><span style="font-family: "verdana" , sans-serif;">Towing and labor cost coverage: May help cover services if your car breaks down. Coverage may include jump starts, fixing flat tires or towing. </span></li>
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<span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">Fairburn, Lagrange and Norcross, </span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif; text-align: justify;">we can help you choose the coverage that's right for your needs.</span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666; font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="color: #888888;">www.go-guardian.com</a></span></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-14812693448322454532017-06-26T18:32:00.001-07:002017-06-26T18:35:16.072-07:005 Ways to keep your car cool this Summer<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg60FfvD2J1RTfmiknk5IJCAwxLtxMf9T61ELEmTdjQkFW102ztMuuIB3gP09Lw3hW_3HKdM8YwKlW6VVjFiTNzXEfYO_7Y7avRm51jmf_YqNVALEkasl35cwcWWu0CxmbqFmYb7MTE1oCu/s1600/air+conditioner.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg60FfvD2J1RTfmiknk5IJCAwxLtxMf9T61ELEmTdjQkFW102ztMuuIB3gP09Lw3hW_3HKdM8YwKlW6VVjFiTNzXEfYO_7Y7avRm51jmf_YqNVALEkasl35cwcWWu0CxmbqFmYb7MTE1oCu/s320/air+conditioner.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">If you want to enjoy spending time outdoors during the summer months, but the heat and the sun make driving around intolerable, fortunately, there are simple things you can do. From maximizing your air conditioning to taking advantage of a shady spot when parking.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At <b style="background-color: white; color: #666666; text-align: justify;"><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a></b> located in Fairburn, Lagrange and Norcross, we give you five tips you can do to help keep your car cooler during those hot and humid summer days:</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">1. Sun shades: </span></b></div>
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<span style="font-family: "verdana" , sans-serif;">Sun shades are a great investment, because they block the direct rays coming into your vehicle. This keeps the temperature slightly lower, which can help your car cool down more quickly once the vehicle is started.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. Tinted windows:</b> </span></div>
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<span style="font-family: "verdana" , sans-serif;">A more expensive, yet constant way to block the sun, is with window tinting. Window tinting is proven to block sunlight (and heat). But before you take your car in to have the windows darkened, make sure you know your state’s laws, as some have restrictions on how much or which windows you can tint. There are additional requirements regarding tint colors, certificates, mirrors, etc., so make certain the tinting is done by an experienced, reputable dealer.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">3. Covered parking: </span></b></div>
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<span style="font-family: "verdana" , sans-serif;">If you don’t have tinted windows or a sun shade, a helpful alternative may simply be parking in the shade. Find a shady spot or park your car so the sun is hitting the rear window instead of the windshield. This may help keep the steering wheel and front seats slightly cooler.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">4. Cool seat covers:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">Seat covers specifically designed to make car seats cooler have been around for a long time and most of them are at least somewhat effective. Today there are models that incorporate a fan to circulate air through and around the seat cover. </span></div>
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<b><span style="font-family: "verdana" , sans-serif;">5. Air Conditioning:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">If your vehicle’s air conditioning isn’t functioning properly or you don’t use it in the most efficient way, it may take longer than you would like for your car to reach a comfortable temperature. To maximize your car’s cooling ability, turn the air on full blast as soon as you start the engine and slightly opening all of your windows until the air inside is cool. This helps to improve cooling efficiency as the hot air (which rises) will be pushed out of the windows as the cool air comes out of the vents. Once you’ve achieved your desired temperature, you should use the car’s air recirculating feature along with the air conditioning to maintain the coldest air.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span></span>
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="color: #666666; font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="color: #888888;">www.go-guardian.com</a></span></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-54404601887715420562017-06-19T12:11:00.002-07:002017-06-19T12:13:07.997-07:00Tips for lowering your Car Insurance premiums<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiu7oRuFZwfmVjRt_s4VXOsH2wpGLkY5Nkk3842uOC9uSVbXr0I4ezpHpXd3l89m8M6Ve6phZFTjWkSBz5OP-Tgp5rgb6tRTfNvikheJiN4KGkKio9078WYqU66knB-8pl0XVcBYtaBXsEF/s1600/save-money-car.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiu7oRuFZwfmVjRt_s4VXOsH2wpGLkY5Nkk3842uOC9uSVbXr0I4ezpHpXd3l89m8M6Ve6phZFTjWkSBz5OP-Tgp5rgb6tRTfNvikheJiN4KGkKio9078WYqU66knB-8pl0XVcBYtaBXsEF/s320/save-money-car.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;"></span></div>
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<span style="font-family: "verdana" , sans-serif;">Saving money is important to most people and there may be more ways to save than we might think.</span></div>
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<span style="font-family: "verdana" , sans-serif;">There are some practical ways for drivers to lower their premiums and it is easier than most people would realize.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At <b style="background-color: white; color: #666666;"><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a></b> located in Fairburn, Lagrange and Norcross, we give you a list of five things you can do to lower your insurance costs:</span></div>
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<span style="font-family: "verdana" , sans-serif;">1. Compare insurance costs, before buying a car:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Before you buy a new or used car, you should check the insurance costs. Car insurance premiums are based in part on the price of the car, the cost to repair it, its overall safety record and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. </span></div>
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<span style="font-family: "verdana" , sans-serif;">2. Ask for higher deductibles:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.</span></div>
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<span style="font-family: "verdana" , sans-serif;">3. Reduce coverage on older cars:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Consider dropping collision and/or comprehensive coverages on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Auto dealers and banks can tell you the worth of cars. Review your coverage at renewal time to make sure your insurance needs haven’t changed.</span></div>
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<span style="font-family: "verdana" , sans-serif;">4. Buy your Homeowners and Car coverage from the same Insurer Company:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Many insurers will give you a discounts if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers. You may save money buying from different insurance companies, compared with a multipolicy discount.</span></div>
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<span style="font-family: "verdana" , sans-serif;">5. Maintain a good credit record:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Establishing a solid credit history can reduce your insurance costs. Most insurers use credit information to price auto insurance policies. Research shows that people who effectively manage their credit have fewer claims. To protect your credit standing, pay your bills on time, don’t obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span></span>
<span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="color: #666666; font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="color: #888888; font-family: verdana, sans-serif;">www.go-guardian.com</a></div>
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<br />alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-24877063360220029092017-06-12T13:06:00.000-07:002017-06-12T13:25:45.088-07:00Does your Car Insurance cover water damage?<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikK6PjAS6V82Q754y3q9Ltxe20G5z4wO_vH45pvtjTxDPWLNAPcx9iUB8ofXTkdGkpS0xioIYgL3LsHfPp8bVt8PAOt4WGIDRWMzXYM9CAk2qpmzr5Be5Sa2htKv07_M7Nx_k5gBDpbLqI/s1600/car+water+damage.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikK6PjAS6V82Q754y3q9Ltxe20G5z4wO_vH45pvtjTxDPWLNAPcx9iUB8ofXTkdGkpS0xioIYgL3LsHfPp8bVt8PAOt4WGIDRWMzXYM9CAk2qpmzr5Be5Sa2htKv07_M7Nx_k5gBDpbLqI/s320/car+water+damage.jpg" width="320" /></a></div>
<span style="font-family: "verdana" , sans-serif;">Water could be a risk to your car as can cause all kinds of damage to your vehicle's engine or interior, so it is important to know if your car insurance covers water damage.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Fortunately, comprehensive coverage may help cover water damage to your vehicle, depending on the cause. Comprehensive coverage is generally optional, although your lender may require comprehensive if you have an auto loan.</span></div>
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<span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="background-color: white; color: #666666; font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we give you some potential causes of water damage and how your car insurance might help:</span></div>
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<span style="font-family: "verdana" , sans-serif;">1. Flooding:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Depending on the severity of the flood, your vehicle can suffer some major damage, as rising water levels caused by heavy rains may get into your vehicle's engine and interior. Comprehensive coverage typically helps protect your vehicle against flood damage.</span></div>
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<span style="font-family: "verdana" , sans-serif;">2. Hailstorms:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Hailstorms can lead to water damage if hailstones break your windshield or windows, letting rain and hail into your vehicle. If your vehicle sustains water damage during a hailstorm, comprehensive coverage may help pay to repair your vehicle.</span></div>
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<span style="font-family: "verdana" , sans-serif;">3. Leaks after heavy rains:</span></div>
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<span style="font-family: "verdana" , sans-serif;">If your car is damaged in a one-off event like a sudden, heavy rainstorm, comprehensive coverage may help cover the damage to your vehicle. But if water slowly leaks into the car because of poor maintenance and causes damage over time, water damage likely won't be covered.</span></div>
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<span style="font-family: "verdana" , sans-serif;">4. Damage by leaving windows open:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Comprehensive coverage typically covers damages not related to a collision for events that are out of your control. Doesn't cover problems caused by your vehicle being in poor condition. So if your car's windows were left down, or the sunroof was left open, and rain gets in as a result, any water damage caused by the rain is unlikely to be covered.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/" style="color: #888888;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="color: #888888;">www.go-guardian.com</a></span></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-87026984680048880872017-06-05T10:59:00.002-07:002017-06-05T11:00:03.804-07:006 Steps to protect your car in a Hurricane<div style="background-color: white; color: #666666; font-family: "trebuchet ms", trebuchet, verdana, sans-serif; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGiuQePLWsLcEw5YI3wIGUTHWtrHHJ9Hxvdb8mm3Nsg0YlFR7N1W4LzkOGzd-GK-tv3EYjbhGDWKBKtonkAeYgcXGlaGnTUxBhrEdu5XwK1S2dfeFiGK3oYYpAsyZVyg5efWWscQqz1xCU/s1600/car-hurricane.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGiuQePLWsLcEw5YI3wIGUTHWtrHHJ9Hxvdb8mm3Nsg0YlFR7N1W4LzkOGzd-GK-tv3EYjbhGDWKBKtonkAeYgcXGlaGnTUxBhrEdu5XwK1S2dfeFiGK3oYYpAsyZVyg5efWWscQqz1xCU/s320/car-hurricane.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">Hurricanes can make for a stressful time in any vehicle owner's life. Although the best method will always be to evacuate, you may decide to stay at home, but take in mind that having a complete storm safety plan is always better than being caught off-guard.</span></div>
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<span style="font-family: "verdana" , sans-serif;">In order be as safe as possible during hurricane conditions, it is important to keep informed of the progress of a tropical storm, following the recommendations of local and federal officials and knowing the emergency evacuation routes.</span></div>
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<span style="font-family: "verdana" , sans-serif;">When preparing your vehicle for a hurricane, At <b><a href="http://www.go-guardian.com/" style="color: #888888; text-decoration-line: none;">GUARDIAN INSURANCE AGENCY</a> </b>located in Fairburn, Lagrange and Norcross, we give you the following tips that will help minimize any potential damage.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1. Consult your car insurance agent:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Consult your car insurance agency about your policy's hurricane coverage, if applicable. You will need to inquire about what is covered, as well as what steps to take in the event that your vehicle is damaged and you need to make a claim.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. Take Pictures:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">It can be prudent to have proof of your car’s condition before disaster strikes, for personal and possible insurance purposes. So, you may want to consider taking pictures of your car’s interior and exterior as you make your hurricane preparations.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>3. Check and replenish all fluids:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Check your drive belts for tension and wear, and have them replaced if necessary. Also ensure your tires are properly inflated (this includes your spare tire).</span></div>
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<span style="font-family: "verdana" , sans-serif;">The following fluids typically should be checked: oil, transmission, brake, battery, power steering, radiator coolant, and windshield wiper fluids.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>4. Fill your tank:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Before a hurricane hits, be sure to fill your gas tank and any reserve canisters to their full capacity. An important part of disaster preparedness is having a plan to get help after dangerous weather subsides. With a full tank of gas, you’ll be more likely to get to where you need to go without having to make a stop for fuel.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Hurricanes can affect incoming supply routes, making gasoline a very important item. To avoid long lines at the gas station and frustration, you should make sure that you have enough fuel for your vehicle.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>5. Prepare an emergency kit for your vehicle:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">You should have the following essential items: an automotive toolkit, a pocket knife, extra fuses, road flares, emergency tire sealant, extra quarts of motor oil, power steering fluid and antifreeze, a tire jack, jumper cables, a flashlight, extra batteries, a battery-powered radio, pen and paper, a blanket, a can opener, a first aid kit, and extra reserves of water and food.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>6. Park Safely:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Parking your car safely before a hurricane or a tropical storm typically involves protecting it from high winds and water. Be sure to keep your vehicle parked on higher ground, away from any tall or loose structures (such as light poles, stop lights, road signs, or trees) that may fall and cause costly damage. Also remember to apply your emergency brake, if applicable. Park your car in a garage if possible. If you don’t have a garage, consider parking your car close to a building, which can offer at least partial protection from high winds.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/" style="color: #888888; text-decoration-line: none;">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, <g class="gr_ gr_52 gr-alert gr_gramm gr_inline_cards gr_run_anim Punctuation only-ins replaceWithoutSep" data-gr-id="52" id="52" style="animation: gr__appear_critical 0.4s ease forwards; background-image: url("data:image/svg+xml; background-position: -1px calc(100% + 3px); background-repeat: no-repeat; background-size: calc(100% + 1px) 100%; border-bottom: 2px solid transparent; http: //www.w3.org/2000/svg' width='100%' height='100%'%3E%3Cline opacity='0.75' x1='4' y1='100%' x2='100%' y2='100%' transform='translate(-1.5, -2.5)' stroke-width='3' stroke-linecap='round' stroke='%23fc5454'/%3E%3C/svg%3E");">Lagrange</g> and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="color: #888888; font-family: verdana, sans-serif; text-decoration-line: none;">www.go-guardian.com</a></div>
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-83959007034963289572017-05-29T17:00:00.003-07:002017-05-29T17:02:53.232-07:003 Factors that can increase your car insurance rates<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQ2fB7IAt2aFiY2ysfqQzJvnmer7BW06uk089wlFYG5ddbsYFMLI4hVff33l_iHM2MoET4jCHww0shQmG_4qvx0bW9B4QYTWEApd2wWjZ6cGTTgQ6xCCQZIKqW0ZE7FZ3vl36duPaleDqo/s1600/increase-car-+policy.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="178" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQ2fB7IAt2aFiY2ysfqQzJvnmer7BW06uk089wlFYG5ddbsYFMLI4hVff33l_iHM2MoET4jCHww0shQmG_4qvx0bW9B4QYTWEApd2wWjZ6cGTTgQ6xCCQZIKqW0ZE7FZ3vl36duPaleDqo/s320/increase-car-+policy.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">At some point, you may have noticed that your car insurance rate could rise if your insurance agent finds more information about your driving history or after an at-fault car accident.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At <b style="text-align: justify;"><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in Fairburn, Lagrange and Norcross, we give you some reasons why rates could increase after obtaining a quote, after buying your policy or when your policy is renewed.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">1. During the time of the car insurance quote:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">The car insurance quote is an insurer's estimate of your final premium that is based primarily on the information you provide. Generally, there are 2 causes by which the final rate can increase: missing and newly discovered information (like unreported accidents or moving violations).</span></div>
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<span style="font-family: "verdana" , sans-serif;">To determine your actual car insurance rate, insurance companies generally access your MVR (Motor Vehicle Report) and CLUE (Comprehensive Loss Underwriting Exchange) reports, among other things. These reports contain information about your driving history and claim history. If the information in these reports is different from what you reported when you received your quote, it could lead to a premium adjustment.</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">2. After you buy your car insurance policy:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">Generally, your rate may increase in the first month or 2 after you buy your policy if you don't submit any required forms or if your insurer finds an undisclosed accident or incident on your MVR.</span></div>
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<span style="font-family: "verdana" , sans-serif;">In some cases, you may be asked to provide proof of prior insurance to certify that you have had continuous coverage for the time you indicated.</span></div>
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<span style="font-family: "verdana" , sans-serif;">In other cases, your state may require you to submit proof of health insurance in order to maintain lower medical coverage limits. </span></div>
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<b><span style="font-family: "verdana" , sans-serif;">3. Your premium may increase on renewal:</span></b></div>
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<span style="font-family: "verdana" , sans-serif;">There are several factors that can lead to a higher premium in your next policy term.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- State rate plans:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Your insurer and your state's department of insurance have agreed on a new rate plan for all drivers in the state.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- New ZIP Code:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Where you live influences your rate, so if you move to an area with a higher theft or accident risk, your renewal premium could reflect this change.</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Accidents:</span></div>
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<span style="font-family: "verdana" , sans-serif;">If you filed an accident claim that warrants a re-rate, your rate is recalculated based on the recent claim.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Violations:</span></div>
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<span style="font-family: "verdana" , sans-serif;">If you were convicted of a moving violation, this can cause your rate to be recalculated.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span></span><br />
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<span style="color: black; font-family: "verdana" , sans-serif; font-style: normal; font-weight: normal; letter-spacing: normal; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a></span><br />
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<br />alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-69865895373228214132017-05-22T13:42:00.000-07:002017-05-22T13:45:46.051-07:00What to do after a Car accident<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: "verdana" , sans-serif;">Car accidents are stressful and difficult to handle situations that when happen can leave you many questions at once: Should I call the police? Should I move my car? When should I file a claim?</span><br />
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<span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we give you some tips that can help guide you through the most important decisions you should make if you have been in an accident:</span></div>
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<span style="font-family: "verdana" , sans-serif;">1. Check yourself for injuries: If you're injured, call 911 or ask someone else to do so. If you're seriously injured, try not to move, and wait for emergency personnel.</span></div>
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<span style="font-family: "verdana" , sans-serif;">2. If you're not too hurt to move, check on the well-being of your passengers: If anyone's injured, get on the phone with emergency services or ask a bystander to call for help.</span></div>
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<span style="font-family: "verdana" , sans-serif;">3. Get to safety if you're able to, either on the side of the road or on a sidewalk: If your car is safe to drive and is causing a hazard where it is, pull it to the side of the road. Otherwise, leave it where it is and get yourself to safety.</span></div>
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<span style="font-family: "verdana" , sans-serif;">4. Wait for help: Turn off your engine, turn on your hazard lights and use road flares to warn other vehicles to slow down.</span></div>
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<span style="font-family: "verdana" , sans-serif;">5. Call the police: Whether an accident is considered a minor fender-bender or a major collision, calling the police is important and in some states, it's legally required.</span></div>
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<span style="font-family: "verdana" , sans-serif;">6. Notify your insurer: You may also want to call your insurance agent while you're at the scene. That way, they can tell you exactly what they will need to process your claim.</span></div>
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<span style="font-family: "verdana" , sans-serif;">7. Exchange contact and insurance information with the other driver before you leave:</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Full name and contact information</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Insurance company and policy number</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Driver's license and license plate number</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Type, color and model of vehicle</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span></span><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-67913232584737286802017-05-15T12:59:00.006-07:002017-05-15T13:14:08.124-07:00What you should consider before buying your first Car Insurance <div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGppYTFePUO2sxVTbex2ZH_FHHJlmLfaXpJ4AecLijL1woWGiM-U399-JDIS-62coeNr9vvkq2qcx-ZdAeg-O5absEomZ74092ccHC-nXVKao-4pGFzLTXOD0aRPUDLXUcx-9mGIQVGKT6/s1600/firts-insurance.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGppYTFePUO2sxVTbex2ZH_FHHJlmLfaXpJ4AecLijL1woWGiM-U399-JDIS-62coeNr9vvkq2qcx-ZdAeg-O5absEomZ74092ccHC-nXVKao-4pGFzLTXOD0aRPUDLXUcx-9mGIQVGKT6/s320/firts-insurance.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">When you buy your first car, you feel it is an important moment since the independence that comes from having your own auto is a great privilege. At the same time, being a car owner means you have an important decision to make: What coverages do you need in your first car insurance policy?</span></div>
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<span style="font-family: "verdana" , sans-serif;">Usually the first thing you think is to ask your insurance agent for the least expensive policy. However, once you clearly understand what each part of your car policy covers, you may decide that cheaper is not necessarily better. Keep in mind that if your car was totaled in an accident, or you seriously injured someone, a few extra dollars of insurance coverage per month could be money well spent.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="text-align: justify;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="text-align: justify;">Fairburn, Lagrange and Norcross,</span> we give you the most important coverages to consider for your Car Insurance Policy:</span><br />
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<span style="font-family: "verdana" , sans-serif;"><b>1. Coverage that helps pay for damages you caused:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">There are two types of liability coverage. Both are required by law in most states.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Bodily Injury Liability: If someone is injured as a result of a car accident you caused, this coverage could help pay for your legal fees, as well as the person's medical bills and lost wages. This coverage often includes two separate limits: one that applies to each injured person and a second that applies to each accident.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Property Damage Liability: If you damage another person's property with your vehicle, this coverage can help protect you. Property damage coverage can help reimburse the other party for their losses, so you do not have to pay for them out of your own pocket.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. Coverage that helps protect you if you are injured:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">- Personal Injury Protection (PIP): If you are injured in an automobile accident, this coverage can help pay your health insurance deductible, as well as medical costs that exceed your health insurance limits. This coverage can also help pay for your lost wages and "loss of services" (such as picking up your children from school, while you recover).</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Medical Payments: Like PIP, this coverage can help pay for your medical bills related to a car accident. However, this coverage also extends to your passengers and a family member who was driving the car when the accident occurred. In addition, if you or a family member are injured in another car or as a pedestrian, this coverage can help pay for medical expenses.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>3. Coverage that helps protect you from uninsured drivers:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">- Uninsured or Underinsured Motorist: This coverage may help protect you if you are hit by a driver who does not have car insurance or whose policy limits are too low to cover the total costs of the accident. It can help pay for your medical bills and depending on your state's insurance laws, possibly for damage to your vehicle.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>4. Coverage that helps protect your vehicle:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">- Collision: If you need to repair or replace your vehicle after a collision with another car or object, this coverage can help cover the costs.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Comprehensive: This coverage can help pay for damages to your car that is not related to an auto accident. (Theft, damage by animals, fire or falling objects)</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Guaranteed Asset Protection (GAP): If your vehicle is totaled in an accident or stolen, the insurance company normally will pay you fair market value for the car. However, if you still owe a financial institution more than the car is worth, the GAP coverage can help reimburse you for the cost difference.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span></span><br />
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<span style="color: black; font-family: "verdana" , sans-serif; font-style: normal; font-weight: normal; letter-spacing: normal; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a></span><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-61459690432499234532017-05-08T14:38:00.002-07:002017-05-12T08:02:35.724-07:00Common mistakes that can raise your Insurance premiums<span style="font-family: "verdana" , sans-serif;"></span><br />
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<span style="font-family: "verdana" , sans-serif;">Insurers consider a large number of factors in determining premiums, so it's often challenging for consumers to understand why they are paying higher rates than their neighbors or co-workers. All you can do is ask questions when you buy your insurance, get comparison quotes and expect to receive a fair charge.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At<span style="text-align: justify;"> <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="text-align: justify;">Fairburn, Lagrange and Norcross,</span> we show you the most important mistakes that can affect your insurance premiums:</span><br />
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<span style="font-family: "verdana" , sans-serif;">1. Not Researching Discounts:</span><br />
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<span style="font-family: "verdana" , sans-serif;">Evaluating insurance discounts is essential to finding the best auto insurance rates. There are a lot of car insurance discounts offered for all sorts of things, from the safety grade of your vehicle to how your medical history is. You may not qualify for all of them, but you probably qualify for a least one discount. If you have a family member in the military, there is a discount for that. The same goes for owning a home, completing a defensive driving course, or buying a hybrid car. All discounts vary by company, so it is important to investigate which company has the type of discounts that will benefit you most before deciding where to buy your next policy. And don’t stop thinking about discounts always: If you add a new anti-theft feature, your commute to work shortens, or some other significant change happens to your vehicle or driving behavior, call your insurance agent and see if you qualify for additional savings.</span><br />
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<span style="font-family: "verdana" , sans-serif;">2. Purchasing Bare-Minimum Coverage:</span><br />
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<span style="font-family: "verdana" , sans-serif;">No one wants to spend more than they need, and car insurance is no different. Though buying insurance may not be the most exciting purchase of the year, it could be one of the most rewarding. When purchasing insurance, here are some things to consider: What will you be liable if you are involved in an accident with a luxury vehicle such as a Mercedes S-Class or Tesla Model S? If someone is seriously injured, are you prepared to cover your possible medical care? How will your finances be affected if you are hit by an uninsured driver? What if strong winds knock a branch off the roof of your car? Make sure you have considered these scenarios and the additional coverage options to protect against them before choosing the cheapest option. Your wallet will thank you.</span><br />
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<span style="font-family: "verdana" , sans-serif;">3. Automatically Renewing Your Existing Policy:</span><br />
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<span style="font-family: "verdana" , sans-serif;">This is an easy mistake to make, and one that often happens before you even realize it. The longer you have been with an insurer, the greater your savings if you decide to change insurance company. This is because older policies are likely to have gained more annual premium increases and are more likely to be raised due to price optimization. Even if you don’t want to switch carriers, getting lower quotes from competitors can provide an incentive for your current insurer to offer a reduction in price. We advise that when your renewal time nears, you should compare a number of competitive quotes to ensure the best offer.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span></span><br />
<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span></span><br />
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<span style="color: black; font-family: "verdana" , sans-serif; font-style: normal; font-weight: normal; letter-spacing: normal; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a></span><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-64958554930743134392017-05-01T12:29:00.000-07:002017-05-01T12:36:22.830-07:00Important things you should do after buying a used car<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNndYtleyiMjwfhNhXxVjGG5dQjCZ1BLrddqMXQhjX98iskWVb_yJ0rrZ6sM1W0LjwMLBwBZSoqP9GXM8KXA2-67tkzEzvSo3IGDxjnJgxF3IZGAGi_HyZyNZ0i7Ifap8m3X_Ggd96ScsQ/s1600/clean+car.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="208" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNndYtleyiMjwfhNhXxVjGG5dQjCZ1BLrddqMXQhjX98iskWVb_yJ0rrZ6sM1W0LjwMLBwBZSoqP9GXM8KXA2-67tkzEzvSo3IGDxjnJgxF3IZGAGi_HyZyNZ0i7Ifap8m3X_Ggd96ScsQ/s320/clean+car.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">When you finally have found a new car, you have negotiated a grat deal, and you're ready to drive it for the next few years, you may think that's all, but it is not quite that simple. There are a couple more things that you need to do before it is legal to drive your car on the highway. Fortunately, they are fairly easy, and there is a lot of information available to help you through the processes.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b> located in </span><span style="color: black; text-align: justify;">Fairburn, Lagrange</span><span style="color: black; text-align: justify;"> and Norcross, </span>we give you some important tips to do after buying a used car:</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1. Registration:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Until your car is properly registered, you will not be able to legally drive on public roads, but if you buy a new or used car at a dealership, they will usually help you with the paperwork so that you have at least a temporary registration before leaving the dealer. But keep in mind that the service is not free and they will usually charge you a documentation fee, or doc fee, for the time that they spend on the paperwork.</span></div>
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<span style="font-family: "verdana" , sans-serif;">If you buy the car from a private seller, you will almost certainly have to go to DMV to finalize the title transfer and register the car. You can also leave this process to specialized agents in these topics and save time. You should be prepared to pay several hundred dollars for registration, depending on the state.</span></div>
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<span style="font-family: "verdana" , sans-serif;">We advise you to always keep your registration information in the car but never keep the title of your vehicle in the car.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. Insurance:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">We advise that if it is your first car, find an insurer before buying your car, as most dealers will not allow you to drive without showing proof of insurance.</span></div>
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<span style="font-family: "verdana" , sans-serif;">There are several components to an auto insurance policy, and the costs for each vary according to the type of car you buy, its value, your age, your credit score, your driving record, the length of your trip, how much is the deductible and the area in which you live.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Buying insurance to cover your car and its contents in case of an accident or theft is optional if you own the car but it is necessary if you have a loan on the car. State laws require that you purchase liability insurance to protect other drivers and their property from your actions.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>3. Repairs and Maintenance:</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">- Change All Filters: Air, Fuel, Transmission, Oil, Most likely you should replace all these filters and even if they are ok, it is still a good idea to replace them anyway.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Read the Owner's Manual: Although it is a difficult task you should do it to learn the intervals of service of your new car, or how to configure the systems and others.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Clean thoroughly inside and outside: It is important to make sure your new car is nice and bright on the outside, but certainly more important than detailing the interior thoroughly. The previous owner could have left inside unpleasant things that need to be removed as soon as possible.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Change all fluids: Change all the fluids of your car is obvious, but absolutely necessary. Your car will work much better than it did with all the dirty fluid that had ever been changed.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Check the brakes: Brakes are one of the most vital safety components of a car, so you need to check and replace if necessary before you start using your car.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Check/change the tires: Tires are the only thing that connects a car to the road, so its importance can not be overstated. Make sure they have good depth of tread and that all four match, otherwise change them.</span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a>,</b></span><span style="font-family: "verdana" , sans-serif;"> </span><span style="font-family: "verdana" , sans-serif;">we can help you whit all the paperwork for your new car. </span></span></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;"><span style="background-color: white; color: #1d2129; text-align: left;">If you need a Car Insurance, Car Registration, Car Title, Vehicle License Plate or Car Tag</span></span><span style="background-color: white; color: #1d2129; text-align: left;"> in the <span style="color: black; text-align: justify;">Fairburn, </span>Lagrange<span style="color: black; text-align: justify;"> and Norcross</span> areas, please Call <span style="color: black; text-align: justify;">us: (706) 884-5006 or (770) 969-5666 or </span></span><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a><span style="font-family: "verdana" , sans-serif;"> </span></span><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-15385101665309659242017-04-25T07:15:00.004-07:002017-04-25T07:18:49.814-07:00What is comprehensive auto insurance?<div style="text-align: justify;">
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<span style="font-family: "verdana" , sans-serif;">When you buy a new car, you should think about buying car insurance and have to consider a number of factors, including coverage, cost and more. Usually, when people hear the word "comprehensive" they might think "It includes everything", but in terms of car insurance, the word has a different meaning.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At <span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span>we want to give you all the information that you need to know about comprehensive auto insurance:</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Comprehensive insurance is an optional auto insurance coverage that can help protect your car against damages that are not related to a collision as well as theft. It covers a wide range of events that can damage your car, including vandalism, fires, and rockslides on twisting mountain roads.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Although car insurance provides extremely valuable protections, towing, rental and personal property coverages are not among them, but just because comprehensive does not cover everything outside of collisions does not mean comprehensive insurance is not valuable.</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Comprehensive insurance can help you pay for the repair of your car, or even help replace it completely in the event of a total loss, due to any of the following:</span></div>
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<span style="font-family: "verdana" , sans-serif;">1. Damage not resulting from a collision, including:</span></div>
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<span style="font-family: "verdana" , sans-serif;">*Falling objects</span></div>
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<span style="font-family: "verdana" , sans-serif;">*Fire</span></div>
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<span style="font-family: "verdana" , sans-serif;">*Certain natural disasters</span></div>
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<span style="font-family: "verdana" , sans-serif;">*Vandalism</span></div>
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<span style="font-family: "verdana" , sans-serif;">2.Theft</span></div>
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<span style="font-family: "verdana" , sans-serif;">3.Glass damage</span></div>
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<span style="font-family: "verdana" , sans-serif;">4.Damage from hitting an animal</span></div>
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<span style="font-family: Verdana, sans-serif;">- What you must pay for comprehensive insurance coverage is determined differently than for basic coverages like property damage and personal injury liability. With these coverages, the amount of protection you buy dictates the cost. The cost of comprehensive insurance coverage varies depending on the deductible you select. The higher the deductible, the less you will spend on your premium, but the more you will spend out of pocket if you file a claim.</span></div>
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<span style="font-family: Verdana, sans-serif;">- No state requires comprehensive coverage, but people who finance or lease their car will probably find that their lender or lessee requires it. Lenders and lessees are the official owners of the vehicle, so they want to make sure they are adequately protected in case of an incident. For the same reasons, you will rarely be able to purchase comprehensive insurance without also buying bodily injury liability and collision coverage. </span><br />
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<span style="font-family: Verdana, sans-serif;"><span style="font-family: "verdana" , sans-serif;">Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, </span><span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we can help you choose the coverage that's right for your needs.</span></span><br />
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<span style="font-family: Verdana, sans-serif;"><span style="font-family: "verdana" , sans-serif;">For more Infor</span><span style="font-family: "verdana" , sans-serif;">mation contact us: (706) 884-5006 or (770) 969-5666</span></span><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-77700054703672422512017-04-17T16:17:00.003-07:002017-04-17T16:19:17.146-07:00What is a Tax Extension?<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4Yb6IN-j5DVpjhQwMj-2FZYm1tJ6cYPtbY3vKWuQSpyOjy-t2n4tvCH41YsHcExa8gs2EP5t0Gkv7w3drQrp6_9CRo0avr95Z_OSGbVBLiENx-_TPq7Wg9dNRlJc7k1bzamfcQl3ATurH/s1600/tax+extension.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4Yb6IN-j5DVpjhQwMj-2FZYm1tJ6cYPtbY3vKWuQSpyOjy-t2n4tvCH41YsHcExa8gs2EP5t0Gkv7w3drQrp6_9CRo0avr95Z_OSGbVBLiENx-_TPq7Wg9dNRlJc7k1bzamfcQl3ATurH/s320/tax+extension.jpg" width="320" /></a><span style="font-family: "verdana" , sans-serif;">An extension is your way of asking the Internal Revenue Service for additional time to file your tax return. A Tax Extension is a prorogation to file the return, not an extension to pay the taxes due. The Internal Revenue Service allows taxpayers to file for a six-month extension if they need more time to prepare their tax return. You can obtain a tax extension for any reason; the IRS grants them automatically as long as you complete the proper form on time. </span></div>
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<span style="font-family: "verdana" , sans-serif;">At <span style="font-family: "verdana" , sans-serif;"><b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross,</span> we give you a few important things you should know about tax extensions before relying on one to postpone your filing obligations:</span></div>
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<span style="font-family: "verdana" , sans-serif;">1. What do you need to do to get a tax extension?:</span></div>
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<span style="font-family: "verdana" , sans-serif;">If you think that you may need an extension to file or could have difficulty paying the amount owed in April, it's best to act early, seek the advice of a professional or contact the IRS.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Once you have decided that you want to request a tax extension, you will need to choose a method for requesting an extension.</span></div>
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<span style="font-family: "verdana" , sans-serif;">There are 3 ways you can get a tax extension:</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Electronically file (e-file) Tax Form 4868 online</span></div>
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<span style="font-family: "verdana" , sans-serif;">- File a paper Tax Form 4868 by mail</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Pay all or part of your income tax due (what you expect to owe) with your credit card or debit card using the Electronic Federal Tax Payment System (EFTPS)</span></div>
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<span style="font-family: "verdana" , sans-serif;">2. What are the benefits of filing an extension?:</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Six extra months to finish up your tax return: Having extra time to finish your return is often necessary, especially if you are still waiting for tax documents to arrive in the mail or you need additional time to organize your tax deductions. </span><br />
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<span style="font-family: "verdana" , sans-serif;">- Helps reduce late penalties: There are two basic penalties the IRS typically imposes: a late filing penalty of 5% per month on any tax due plus a late payment penalty of half a percent per month. If you file an extension and then file by the extended deadline of October 16th, you'll avoid the 5% per month late filing penalty. If you file after October 16th, the late filing penalty will begin from October 16th, which creates a deferral on this penalty.</span><br />
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<span style="font-family: "verdana" , sans-serif;">- Can preserve your tax refunds if you file after the extended deadline: With an extension, the refund statute of limitations is also extended by six months, which can preserve the ability of taxpayers to receive their federal tax refund even if they get behind in submitting their tax return.</span></div>
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<span style="font-family: "verdana" , sans-serif;">3. Why not to file an extension?:</span></div>
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<span style="font-family: "verdana" , sans-serif;">- Many people file for an extension because they owe taxes and are unable to pay them, but an extra time to file doesn't mean extra time to pay. An extension will give you extra time to file your return, but any tax is still due by the original deadline.</span><br />
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<span style="font-family: "verdana" , sans-serif;">- Some people aren't eligible for extensions. Taxpayers who were approved for an offer in compromise must file by the April deadline during their five-year probationary period. If you don't file by the April deadline, the IRS can revoke your offer-in-compromise and re-instate the original amount you owed.</span><br />
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<span style="font-family: "verdana" , sans-serif;">- An extension won't give you extra time to fund an IRA. Contributions to a Traditional IRA and/or Roth IRA are due by the original April deadline.</span><br />
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<span style="font-family: "verdana" , sans-serif;">The 2017 tax season is next to finish and a</span><span style="font-family: "verdana" , sans-serif;">t <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross we help you with all about the Tax Filing Season.</span><br />
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<span style="font-family: verdana, sans-serif;">For more Information contact us: (706)884-5006 or (770)969-5666</span><br />
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<span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-18078184381726755332017-04-10T15:27:00.002-07:002017-04-10T15:27:59.944-07:00Information on Tax Deadlines for the 2017<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhERE4KolWjRfRHt33YfFv2jFJByBlPBimYehp7BGJpzi9UF8KZJ83yehO_jUh1v-O4ZWLw1qV8qLIrBB4W1tEaZTc4Hq3oF4RtE5xlmpKrdT4s5kxJrNz5pkG9sACHEhiLb7ixyQfJghRA/s1600/tax+day.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhERE4KolWjRfRHt33YfFv2jFJByBlPBimYehp7BGJpzi9UF8KZJ83yehO_jUh1v-O4ZWLw1qV8qLIrBB4W1tEaZTc4Hq3oF4RtE5xlmpKrdT4s5kxJrNz5pkG9sACHEhiLb7ixyQfJghRA/s320/tax+day.jpg" width="320" /></a></div>
<span style="font-family: "verdana" , sans-serif;">At some moment in every spring, Americans remember that it's tax season and many begin worrying, trying to figure out what forms they must file and when.</span></div>
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<span style="font-family: "verdana" , sans-serif;">The official deadline to file your federal income tax return each year may change. It's supposed to be April 15th, unless it falls on a holiday.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Under a special rule, whenever a tax deadline falls on a Saturday, a Sunday or a legal holiday, it's moved to the next business day. That's April 18 in 2017. You have until October 16, 2017 if you file a request for an extension on or before that date.</span></div>
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<span style="font-family: "verdana" , sans-serif;">At <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a></b> </span><span style="font-family: "verdana" , sans-serif;">located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross, </span><span style="font-family: "verdana" , sans-serif;">we give you some other important deadlines to keep in mind:</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">Tax Deadlines in Calendar Year 2017 for 2016 Returns:</span></b></div>
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<u><span style="font-family: "verdana" , sans-serif;">Estimated tax payments (IRS Form 1040ES)</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-April 17, 2017</span></div>
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<span style="font-family: "verdana" , sans-serif;">-June 15, 2017</span></div>
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<span style="font-family: "verdana" , sans-serif;">-September 15, 2017</span></div>
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<span style="font-family: "verdana" , sans-serif;">-January 16, 2018</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">Partnership returns (IRS Form 1065)</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-March 15, 2017 </span></div>
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<span style="font-family: "verdana" , sans-serif;">-Extended deadline is September 15, 2017</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">Trust and estate income tax returns (IRS Form 1041)</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-April 17, 2017</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Extended deadline is October 2, 2017. </span></div>
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<u><span style="font-family: "verdana" , sans-serif;">C-Corporation income tax returns (IRS Forms 1120) </span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-April 17, 2017 for C-corporations on a calendar year</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Extended deadline is October 16, 2017 </span></div>
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<span style="font-family: "verdana" , sans-serif;">-The deadline for C-corp returns is the 15th day of the fourth month following the end of the corporation's fiscal year if the corporation is on a fiscal rather than a calendar year. The exception is corporations with a fiscal year from July 1 to June 30. In this case, the first deadline remains Sept. 15, the 15th day of the third month following the end of the fiscal year. The extended deadline remains Feb. 15, or five months after the first deadline, through fiscal years ending June 30, 2026.</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">S-Corporation returns (IRS Form 1120-S)</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-March 15, 2017 for corporations on a calendar year </span></div>
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<span style="font-family: "verdana" , sans-serif;">-Extended deadline is September 15, 2017</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">Foreign bank account reports (IRS FinCen Form 114)</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-April 18, 2017</span></div>
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<b><span style="font-family: "verdana" , sans-serif;">Deadlines Organized By Date </span></b></div>
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<u><span style="font-family: "verdana" , sans-serif;">January 16, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline to pay the fourth quarter estimated tax payment for the year 2016</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">January 23, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-The Internal Revenue Service will begin processing tax returns, both those that are electronically filed and paper-filed returns</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">February 1, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline for employers to mail out Forms W-2 to their employees and for businesses to furnish Forms 1099 statements reporting, among other things, non-employee compensation, bank interest, dividends and distributions from a retirement plan. For more details, see How to Prepare and Distribute Form 1099-MISC and General Instructions for Certain Information Returns. </span></div>
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<u><span style="font-family: "verdana" , sans-serif;">February 15, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline for financial institutions to mail out Form 1099-B relating to sales of stock, bonds or mutual funds through a brokerage account, Form 1099-S relating to real estate transactions; and Form 1099-MISC if the sender is reporting payments in boxes 8 or 14. </span></div>
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<u><span style="font-family: "verdana" , sans-serif;">February 28, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline for businesses to mail Forms 1099 and 1096 to the IRS if filing on paper. If filing these forms electronically, the deadline is March 31. For more details, see the General Instructions for Certain Information Returns.</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">March 15, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline for corporate tax returns (Forms 1120, 1120A, and 1120S) for the year 2016, or to request automatic 6-month extension of time to file (Form 7004) for corporations who use the calendar year as their tax year</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Final deadline to file an amended corporate tax return (Form 1120X) for tax year 2013 and still claim a tax refund. Refunds expire three years from the original due date of the return</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline to file partnership tax returns (Form 1065) or to request an automatic 5-month extension of time to file (Form 7004)</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">April 18, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline to file individual tax returns (Form 1040, 1040A, or 1040EZ) for the year 2016 or to request an automatic extension (Form 4868). An extension provides an extra six months to file your return. Payment of the tax is still due by April 18. You can submit payment for tax along with the extension form</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Last day to make a contribution to traditional IRA, Roth IRA, Health Savings Account, SEP-IRA or solo 401(k) for the 2016 tax year. You have until Oct. 17 to fund a SEP-IRA or solo 401(k) if you get an extension</span></div>
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<span style="font-family: "verdana" , sans-serif;">-1st quarter estimated tax payments due for the 2016 tax year</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Final deadline to file an original tax return (Form 1040) for tax year 2013 and still claim a tax refund, as refunds expire three years from the original due date of the tax return</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Final deadline to file amended tax return (Form 1040X) for tax year 2013 and still claim a tax refund. (Be sure to mail the amended return well before April 15th to make sure your tax refund will be processed in a timely manner. And be sure to obtain proof of mailing, such as a certified mail with return receipt).</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline to file estate income tax or trust income tax returns (Form 1041) or to request an automatic 5-month extension of time to file (Form 7004)</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Final deadline for estates, trusts, or partnerships to file an amended tax return and still claim a tax refund for the year 2013. Refunds expire three years from the original due date of the tax return.</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">May 31, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline for financial institutions to send out Form 5498 to report balances in an individual retirement account for the year 2016</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">June 15, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-2nd quarter estimated tax payments due for the 2016 tax year</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">June 30, 2017 </span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline to file Foreign Bank Account Report for the year 2016. This report is required if you have over $10,000 (in aggregate) held in foreign bank accounts. Foreign Bank Account Reports must be filed electronically. Extensions of time are available starting in 2017.</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">September 15, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-3rd quarter estimated tax payments due for the 2016 tax year</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Final deadline to file corporate tax returns for the year 2016 if an extension was requested. (Forms 1120, 1120A, 1120S)</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">October 1, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Deadline for self-employed persons or small employers to establish a SIMPLE-IRA for the year 2016</span></div>
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<u><span style="font-family: "verdana" , sans-serif;">October 16, 2017</span></u></div>
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<span style="font-family: "verdana" , sans-serif;">-Final deadline to file individual tax returns for the year 2016. (Forms 1040, 1040A, 1040EZ)</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Last day the IRS will accept an electronically filed tax return for the year 2016. If filing after October 15, you'll have to mail in your tax return for processing.</span></div>
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<span style="font-family: "verdana" , sans-serif;">-Final deadline to fund a SEP-IRA or solo 401(k) for tax year 2016 if you requested an automatic extension of time to file.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">The 2017 tax season is next to finish and a</span><span style="font-family: "verdana" , sans-serif;">t <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross we help you with all about the Tax Filing Season.</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">For more Information contact us: (706)884-5006 or (770)969-5666</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a><br />
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alexandra.socialmedia.seohttp://www.blogger.com/profile/13424252861762259093noreply@blogger.com0tag:blogger.com,1999:blog-6677365137497911252.post-40956745429812619702017-04-03T10:54:00.001-07:002017-04-03T11:26:04.224-07:00Consequences of not filing your taxes<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2ZDHKws7hGJChlb5dqp_pNymQ869NW6AhI_TVBTv0GbCs1ZRNIZZSfha8wh9dYpQBzWGDzPRDto-cRZtqcmh8LEnxzyzB6qaxN87TNpC97Tk2sFOHu4D7pswfflmGk8J4IQl4svvqndvS/s1600/Foto+4-3-17+1+43+22+PM.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2ZDHKws7hGJChlb5dqp_pNymQ869NW6AhI_TVBTv0GbCs1ZRNIZZSfha8wh9dYpQBzWGDzPRDto-cRZtqcmh8LEnxzyzB6qaxN87TNpC97Tk2sFOHu4D7pswfflmGk8J4IQl4svvqndvS/s320/Foto+4-3-17+1+43+22+PM.jpg" width="242" /></a><span style="font-family: "verdana" , sans-serif;">If you file your taxes late, you'll receive a 5 percent penalty on the amount you owe for every month you delay. If you fail to file completely, the consequences become much worse. </span></div>
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<span style="font-family: "verdana" , sans-serif;">Everyone makes mistakes, especially when under the stress of collecting documentation, crunching numbers and lowering tax liabilities as much as legally possible. However, avoiding your annual tax return obligations can result in costly consequences that extend beyond your bank account. </span><span style="font-family: "verdana" , sans-serif;">In order to prevent the consequences of not filing your taxes in time, in </span><span style="font-family: "verdana" , sans-serif;"><b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross</span><span style="font-family: "verdana" , sans-serif;">, we inform you what happens if you do not pay your Taxes:</span></div>
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<span style="font-family: "verdana" , sans-serif;">1. Late penalties:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Considering the importance of filing your tax return, it's fair to expect some degree of penalty for failing to file your taxes. If you are expecting an income tax refund, chances are you won't get the same level of scolding from the Internal Revenue Service that others who owe money can expect to receive.</span></div>
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<span style="font-family: "verdana" , sans-serif;">However, if you are owing money to the government, it's time to get your tax return in as soon as possible.</span></div>
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<span style="font-family: "verdana" , sans-serif;">The penalty for filing late takes effect immediately following the April 18 deadline and will typically equal 5 percent of the unpaid taxes you owe for every month you delay filing your return, up to a 25 percent cap.</span></div>
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<span style="font-family: "verdana" , sans-serif;">A less hefty penalty of 0.5 to 1 percent of your unpaid taxes per month applies to taxpayers who file by the deadline, but owe taxes and don't pay up. Even if you can't afford your taxes now, it's best to at the very least file your tax return on time.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Those who both file late and fail to pay the taxes they owe are charged a maximum penalty of 5 percent of their unpaid taxes for every month the bill is late.</span></div>
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<span style="font-family: "verdana" , sans-serif;">2. Delayed refund:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Those who wait until the last minute to file taxes and claim their refunds may not only get a late-filing penalty, but holding up refunds does an equal disservice.</span></div>
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<span style="font-family: "verdana" , sans-serif;">If you are expecting to receive a refund on your taxes or a refund for the taxes you have paid, you will not be able to receive it or you may receive less money because of the penalties you have incurred.</span></div>
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<span style="font-family: "verdana" , sans-serif;">By failing to file your taxes, you’re giving up the ability to save or invest that money at a higher return.</span></div>
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<span style="font-family: "verdana" , sans-serif;">3. Forfeiture of tax refund:</span></div>
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<span style="font-family: "verdana" , sans-serif;">Just because you don't owe the IRS money doesn't mean you can keep your refund on hold indefinitely. When you're owed a reimbursement from the government, its in no rush to pay you back. In fact, IRS will give you three long years after the tax year for which you filed to claim your back tax refund.</span></div>
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<span style="font-family: "verdana" , sans-serif;">After this time, however, the IRS will consider your unclaimed refund a generous "donation," and you'll be out of your rightful cash.</span></div>
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<span style="font-family: "verdana" , sans-serif;">4. Legal consequences:</span></div>
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<span style="font-family: "verdana" , sans-serif;">The consequences for ignoring an IRS bill can be a lot more dire than warning letters. After sending multiple correspondences regarding an unpaid tax bill, the IRS will send a representative to your residence or business to collect payment, generally, if you owe $25,000 or more.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Continuing to avoid this responsibility can result in automatic wage garnishments, asset seizures like your car and may even lead to arrest and jail time for tax evasion.</span><br />
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<span style="font-family: "verdana" , sans-serif;">The 2017 tax season is next to finish and a</span><span style="font-family: "verdana" , sans-serif;">t <b><a href="http://www.go-guardian.com/">GUARDIAN INSURANCE AGENCY</a> </b>located in </span><span style="font-family: "verdana" , sans-serif;">Fairburn, Lagrange and Norcross we help you with all about the Tax Filing Season.</span></div>
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<span style="font-family: "verdana" , sans-serif; text-align: justify;">For more Information contact us: (706)884-5006 or (770)969-5666</span><br />
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "verdana" , sans-serif;">Please visit us: </span><a href="http://www.go-guardian.com/" style="font-family: verdana, sans-serif;">www.go-guardian.com</a></span><br />
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