miércoles, 28 de diciembre de 2016

What is Car Insurance?

In GUARDIAN INSURANCE AGENCY we want to start, explaining you the definition of car insurance:

Car Insurance is an agreement between you and a company in which you pay them a set monthly amount and in return the company promises to pay for possible future damage, loss or injury. 

In auto insurance instead of you having to pay for the damages from a wreck or act of nature, your insurance company does. They take on your risk, your monthly payment goes into a big account with a lot of other premiums, and when a wreck happens and the money is needed, the company can then pull out to cover the request. 

Components of a Car Insurance Policy:

Liability Coverage

Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law, auto liability coverage is mandatory in most states. Liability coverage has two components:

-Bodily injury liability may help pay for costs related to another person's injuries if you cause an accident.

-Property damage liability may help pay for damage you cause to another person's property while driving.

Uninsured and Underinsured Motorist Coverage

If you're hit by a driver who doesn't have insurance, uninsured motorist coverage may help pay for your medical bills or, in some states, repairs to your vehicle. If you're hit by an underinsured driver, their liability limits aren't enough to cover your resulting medical bills. That's where underinsured motorist coverage may help. Uninsured and underinsured motorist coverage is required in some states and optional in other states.

Comprehensive Coverage

Comprehensive may help cover damage to your car from things like theft, fire, natural disasters or vandalism. If your car is damaged by a covered peril, comprehensive coverage may help pay to repair or replace your vehicle (up to the vehicle's market value). This coverage has a deductible, which is the amount you'll pay out of pocket before your insurer reimburses you for a covered claim. Comprehensive is typically an optional coverage, but your lender may require it if you're leasing or paying off your vehicle.

Collision Coverage

If you're involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage may help. This coverage may help pay to repair or replace your car (up to its market value) after you pay your deductible toward a covered claim. Collision coverage is typically optional. It may be required, however, by your vehicle's leaseholder or lender.

Medical Payments Coverage

If you, your passengers or family members who are driving the insured vehicle are injured in an accident, medical payments coverage may help pay for costs associated with the injuries. Coverage may help pay for hospital visits, surgery, X-rays and more. Medical payments coverage is required in some states and optional in others.

Personal Injury Protection

Personal injury protection, or PIP, is only available in some states. Like medical payments coverage, PIP may help pay for your medical expenses after an accident. In addition, PIP may also help cover other expenses incurred because of your injuries, for example, child care expenses or lost income. Personal injury protection is required in some states and optional in other states where it's available.

In GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross we have the best car insuranse for you!

For more Information contact us: (706) 884-5006 or (770) 969-5666

Please visit us: www.go-guardian.com

martes, 20 de diciembre de 2016

How to Save Money This Christmas

Want to learn how to save money on gifts this Christmas?

If you are going to buy gifts this year, the key to avoiding a holiday season that drains your bank account is to start planning early. GUARDIAN INSURANCE AGENCY give you the top 6 money saving tips for steering clear of holiday debt and starting the new year in better financial shape:

1. Plan it. Before you shop online or enter the chaos of the shopping mall, take ten minutes at home to create a spending plan that lists who you need to buy for and how much you will spend.

2. Use discounted gift cards. How would you like $100 worth of gifts for $80? You can purchase discounted gift cards for hundreds of online/offline retailers including the Apple Store, Radio Shack, Sears, Home Depot, and others. Discounts are usually 5%-30% off the face value of the card. Check out GiftCardRescue.com and GiftCards.com.

3. Use social media. Before you start shopping, start following your favorite retailers on Twitter and Facebook. Many companies offer discounts exclusively to their Twitter followers and Facebook friends. A quick search of their recent posts may reveal money-saving discount codes.

4. Barter via online chat. When you're shopping online, look for a "chat" or "live help" button. Tell the customer service rep you'd like to shop with them but you want a 15% discount. Ask them to check with their manager or you will abandon your shopping cart and click over to their competitor. This won't work all of the time, but when it does it will save you money.

5. Find discount codes. I never buy anything online without trying to find a discount code first. I've literally saved hundreds of dollars and it doesn't take more than a minute. Simply go to RetailMeNot.com, SecretPrices.com, and FreeShipping.org to pull up all of the available discounts for your store. Use the discount code during the checkout process to get free shipping or to save 20% or more.

6 Make a promise that you won't buy anything for yourself. When you're shopping for gifts, it's easy to be tempted to buy for yourself. Make this season about others, not you -- and remember that the items you want will likely be less expensive during the after-season sales.

If you follow these money saving tips, you will put more green and less red into holiday shopping this year.

In GUARDIAN INSURANCE AGENCY, located in Fairburn, Lagrange and Norcross we want to help you save money!

For more Information contact us: (706) 884-5006 or (770) 969-5666

Please visit us: www.go-guardian.com