Richard Ferguson is a local agent in Marietta GA .
Personalized insurance protection for your Auto, Home, Condo and Renters.
When you request an auto insurance quote online, there are three major factors when your rate is calculated:
Your Vehicle: The more expensive a car is to repair or replace, the more it costs to insure. Your vehicle's safety features can help lower your auto insurance quote, as can how often you drive the car and what type of driving it's used for (business or personal).
Your Address: Where you live and park your vehicle will affect your auto insurance quote.
Your Driving Record.
Having fewer incidents such as accidents, moving violations or claims in your driving record will help lower your rate.
Personal Articles Floater
Discount for insuring your Car and House together.
Do you currently have water back-up coverage?
It is not automatic coverage on most policies!
What are your current limits for mold coverage?
Please make sure you are getting the right coverage for the price.
You Need Home Insurance!
Homeowners need to purchase home insurance to protect their homes and personal property.
Those who rent need insurance to protect their furniture and other personal property. Everyone needs protection against liability for accidents that injure other people or damage their property.
Decide How Much Coverage You Need
The better your coverage, the less you will have to pay out of your own pocket if disaster strikes. In some cases, your lender decides how much coverage you need and may require you to buy a policy that covers at least the amount of the mortgage. It is important to note that the amount of coverage you buy for your house, contents and personal property will affect the price you pay.
The deductible is the amount you have to pay out of pocket on each claim and applies only to coverage on your house and personal property. Make sure when choosing a policy that you are comfortable paying the deductible if you make a claim. Higher deductibles may be available at a reduced price.