Why Should You Maintain Full Coverage On An Older Vehicle?

Auto insurance is one of the best tools you can have to protect you from losses to your vehicle both on the road and when you are parked. Even if you have an older vehicle, you may still want to maintain your auto insurance coverage above the legally required level of liability. 

Maintaining Full Coverage

Although full coverage insurance may be tempting to drop on an older vehicle, there may be some instances where it is better to keep it. If your older vehicle is your main mode of transportation and you are not prepared to replace that vehicle out of pocket, you may want to keep your coverage to prevent having to replace it out of pocket. In addition, you’ll want to obtain specialty coverage for classic cars that have a higher value. Work with a trusted insurance agency to outline your needs and get the policy coverage that suits your situation.

Work With A Trusted Agency

Finding a good agency that has trusted, experienced agents is the first step towards obtaining the right level of coverage for your older vehicle. People who live near the Commerce, GA area can count on Hyman Brown Insurance Agency Inc. for their vehicle insurance needs. They are dedicated to helping their clients get the policy options they need to feel secure on the road. 

If you have questions about coverage for your older model vehicle and live in the Commerce, GA area, you should call or stop by Hyman Brown Insurance Agency Inc. to get the answers to your questions and discover which high-quality insurance products will work for your situation. 

Driving Drowsy-Signs You Need to Stop and Rest

It’s no secret that driving while intoxicated in Athens, GA is extremely dangerous, but did you know that driving drowsy is just as dangerous as driving while intoxicated? Although the effects of driving while drowsy vary from person to person, most fatigued drivers often experience short-term loss of memory and have slower reaction times while behind the wheel. Here are a few of the causes of drowsy driving and how to avoid driving while drowsy.

Common Causes of Drowsy Driving

Drowsy driving, also known as driver fatigue, occurs when someone is too fatigued to safely drive a motor vehicle, which in turn puts them, their passengers and others on the road in danger. Some of the most common causes of drowsy driving include:

  • Consuming drugs and/or alcohol
  • Using sleep aids or sedatives before driving
  • Lack of or interrupted sleep
  • Sleep disorders, such as narcolepsy or chronic insomnia
  • Working a schedule that affects your amount of sleep or the circadian rhythm
  • Driving for long periods without stopping for sufficient rest

Who’s at Risk for Drowsy Driving?

Although every driver is susceptible to driving drowsy, some groups are considered to be at a higher risk for drowsy driving, including:

  • Young drivers between the ages of 18-29
  • Commercial drivers
  • Late evening and overnight shift workers
  • Business travelers
  • People with sleep disorders

How to Prevent Drowsy Driving

There are several preventative measures you can take to reduce the likelihood of being involved in a collision resulting from driving drowsy, including:

  • Get plenty of sleep before getting behind the wheel
  • Travel with another driver
  • Use rest stops
  • Use of caffeine (will provide energy, but not a replacement for sleep)
  • Chew gum (stimulates senses)
  • Open the car windows to get fresh air
  • Listen to music
  • Drive during the day whenever possible
  • Don’t hesitate to stop for the night to sleep

Understanding your warning signs is critical in preventing a collision resulting from drowsy driving. For instance, if you are yawning, blinking frequently, or missing traffic signals, it is a sure sign that you need to stop and rest. Driving drowsy can result in a collision, and these types of collisions are often as serious as those that occur as a result of driving while intoxicated. If you are interested in learning more about the risks relating to drowsy driving, contact Hyman Brown Insurance Agency, Inc.

Residents of Athens, GA who want to learn more information about their current insurance policy or to upgrade your current policy, contact Hyman Brown Insurance Agency, Inc.

What are the Auto Insurance Requirements for Georgia?

When you are looking to get a new car, understanding your auto insurance needs is very important. There are several factors to consider when determining what your auto insurance requirements are for the new vehicle.

State Auto Insurance Requirements for Georgia

For those that are in the Commerce, GA area, the first factor that needs to be understood is what your requirements are per state law. In the state of Georgia, you will need to have the minimum level of liability coverage in place at all times. This means you will need to have property damage liability coverage of $25,000 plus bodily injury coverage of $25,000 for each injured person, with a $50,000 cap per incident.

Auto Loan or Lease

While there are some basic requirements that are set forth by the state for people in Commerce, GA, there are other factors to consider as well when you are looking at auto insurance policies. One of the most important factors to consider is whether you have insurance requirements in your loan or lease.

If you have a loan or lease, you will likely need to have additional collision and comprehensive coverage on your policy. This type of coverage will give you additional protection for a variety of items including protection against vandalism, theft, and being in an accident with someone that does not have coverage. Lenders and lessors will likely require you to have this coverage since the car is their collateral.

When you are trying to figure out what you need to get in terms of auto insurance, you should contact the Hyman Brown Insurance Agency, Inc. When you speak with Hyman Brown Insurance Agency, Inc., you will get a full understanding of your requirements and what the best level of coverage would be for your situation. Reach out to our agents for more information on how to get started.

How To Choose The Right Auto Insurance

Most drivers in Athens and Commerce, GA deal with some sort of stress about choosing the right auto insurance. The proper auto insurance is a combination of company, agent, and policy. The following are guidelines for the critical areas of these three major factors.

Policy

The state of Georgia requires that all drivers in Commerce, GA and throughout the state have a minimum coverage. The minimum bodily injury liability is $25,000 per person and $50,000 per incident. A minimum of $25,000 property damage liability is required. These limits are not negotiable and are set by the Georgia Department of Insurance.

There are additional types of auto insurance coverage that fit individual circumstances and automobiles. Liability does not cover all costs involved in an accident.

The additional coverage includes collision insurance that pays for damage to your car, comprehensive coverage that includes things like theft and natural disasters, medical insurance that covers medical bills that result from an automobile accident, and funeral insurance that covers the cost of a funeral that is made necessary by an accident.

Insurance that covers damage to your car from an uninsured driver is also available. You may need insurance that pays for a rental car while your car is being repaired.

Agent

An agent is a guide. Most people do not understand all of the terms involved with auto insurance. A good agent will take the time to explain the details of all types of coverage. A great agent knows when to let you decide what you need. Hyman Brown Insurance Agency, Inc. prides itself on having collected a group of great agents.

The Company

A company that represents all major brands of automobile insurance equally with no preference for any brand is what you want. Hyman Brown Insurance Agency, Inc. has been providing people with a choice in automobile insurance for 55 years. Experience always helps a client. 

If you are looking for a new auto insurance policy or want yours reviewed, please reach out to our offices to speak with an agent. Also, try our online rating tool for quotes on car insurance.

3 Tips for Buying Auto Insurance in Commerce, GA

With a population of just 6,544, Commerce, GA feels like a small town outside the big city of Atlanta. If you live in the Commerce area and just bought a new car or are looking to switch policies to try and save money, we have put together three tips to help you reach your goal – an inexpensive auto insurance policy that offers you the protection you want.  

Bundle

Insurance companies love it when you bundle all of your insurance policies with them. They love it so much, in fact, that they will typically offer a discount for customers who bundle their auto insurance, homeowner’s insurance, and other types of insurance altogether, including boat insurance, renter’s insurance, RV insurance, umbrella insurance, and more.  

Compare Quotes

The golden rule when it comes to saving money on auto insurance, or any type of insurance for that matter, is to compare quotes before making a decision. We also recommend going over the quotes with a reputable insurance agency such as us – just in case, there was something you missed.  

Choose a Reputable Insurance Agent

Using an experienced and trusted insurance agent is essential for making the right choice when buying auto insurance. Besides seeking out an insurance agent with outstanding credentials, work with someone whose personality clicks with yours. This can make the entire experience more enjoyable.  

To talk to a reputable insurance agent right now, contact Hyman Brown Insurance Agency, Inc. We have been in business since 1948 by helping customers with their insurance needs. You can reach an agent at Hyman Brown Insurance Agency, Inc. by calling us at 706-335-3900 or 888-264-5069.