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2154 North Rd SW
Snellville, GA 30078

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Exploring Auto Insurance for Beginners: A Step-By-Step Guide

If you’re a first-time car owner or simply in need of a refresher on auto insurance, you’ve come to the right place. At Toney Insurance Services in Snellville, GA, our team of expert agents is dedicated to helping drivers like you understand the ins and outs of auto insurance.

Auto Insurance for Beginners

Auto insurance is a type of coverage that protects you in the event of an accident or other unexpected events. The coverage typically includes liability insurance, which covers the cost of damage or injury that you may cause to others, and can also include coverage for your own vehicle, such as collision coverage or comprehensive coverage.

When exploring auto insurance options, it’s important to consider a few key factors. First, it’s important to determine the level of coverage that you need based on your budget and specific driving habits. For example, if you’re an infrequent driver, you may not need as much coverage as someone who drives frequently or long distances.

In addition, it’s a good idea to compare quotes from multiple insurance companies to ensure that you’re getting the best possible rate. You may also want to consider factors such as customer service, claims to handle, and the overall reputation of the insurance company when making your decision.

At Toney Insurance Services in Snellville, GA, our knowledgeable agents are always here to help you navigate the world of auto insurance. We’ll work with you to understand your specific needs and help you find a policy that provides the right coverage at an affordable price.

Another important step in exploring auto insurance options is to regularly review your policy to ensure that you have the right coverage for your needs. This is particularly important if you’ve recently made any changes to your vehicle, such as purchasing a new car or adding a new driver to your policy.

Give Us A Call

At Toney Insurance Services, we’re committed to helping our clients understand and make the most of their auto insurance coverage. Whether you’re a beginner or a seasoned driver, our team is here to answer your questions and provide you with the support you need. So if you’re looking for a comprehensive, step-by-step guide to auto insurance, get in touch with us today!

Four of the most important things you need to know about umbrella insurance

Umbrella insurance is an important type of coverage that residents of Snellville, GA might want to purchase. Toney Insurance Services offers umbrella insurance policies.

The following are four of the most important things you need to know about umbrella insurance coverage:

Umbrella insurance premiums are comparatively low.

One of the best things to know about umbrella insurance policies is that they tend to offer relatively low premiums compared to auto and home insurance policies. You may be able to purchase a policy for as little as $150 per year. 

Umbrella insurance covers liability expenses. 

Consumers need to realize that umbrella insurance won’t cover them for property damage. Umbrella insurance provides coverage in liability situations. This means that umbrella insurance coverage covers legal costs and other expenses resulting from a lawsuit against the policyholder. 

Umbrella insurance complements coverage from other insurance policies.

Consumers typically need to have already purchased other insurance coverage in order to qualify for umbrella insurance coverage. If you want to take advantage of umbrella insurance, you probably will need to have auto insurance and home insurance. Your umbrella insurance will cover you for expenses above the policy limits of these policies. 

Umbrella insurance coverage protects the assets of the policyholder.

Consumers should invest in umbrella insurance if the value of their assets exceeds the value of the maximum policy limits of their home and auto insurance policies. Without coverage that’s worth as much as one’s assets, a consumer’s assets are at risk of being lost in a lawsuit. 

Give Us A Call

At Toney Insurance Services, we’re here to answer any questions you have about umbrella insurance. Contact us today if you want to get a quote on an umbrella insurance policy in Snellville, GA. 

Four misconceptions about home insurance

Consumers who own a home in Snellville, GA need to fully understand home insurance. Toney Insurance Services can provide answers to questions area homeowners have about this important coverage.

The following are four common misconceptions consumers must be aware of regarding home insurance:

Home insurance offers complete coverage for personal belongings within the home

While home insurance policies typically include some coverage for the policyholder’s personal belongings with the home, there will be a limit on how much coverage this includes. That’s why homeowners with especially valuable items in their homes such as collectibles or high-end electronics might want to increase their personal property coverage limits. 

Home insurance always provides coverage for water damage

Home insurance policies cover some types of water damage such as water damage resulting from a burst pipe. However, standard home insurance will typically not provide coverage for flood damage or certain other causes of water damage. 

Home insurance provides coverage for landslide damage

Standard home insurance does not usually cover landslide damage. If you live in an area with a risk of landslide damage, you may need to add specialty coverage for landslide damage. 

Homeowners don’t have to purchase home insurance

While homeowners are not typically required by law to carry home insurance, they are typically required to carry home insurance by their mortgage lender. If you are still paying off the mortgage on your home, you will need to buy insurance coverage. 

Contact Us Today

Get in touch with us at Toney Insurance Services to get a quote on a home insurance policy for your property in Snellville, GA. We’ll be happy to answer your questions and provide you with the coverage you need!

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