Auto Insurance

Securing Your Motorcycle When Commuting to Work

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Taking your motorcycle to work lets you become one with the road and save money on gas. It’s pretty efficient and becoming popular in the Pooler, GA area. If you’re commuting to work on your bike regularly, consider these tips to keep your bike safe and secure. 

1. Invest in a Lock

While many bikers already have a lock on their bike while working, some who park in a gated area or parking garage may not need one. Having that lock on your bike is always good practice, even if you think the area is secure. 

2. Add a Cover to Your Bike

Adding a cover and removing it may seem labor-intensive and unnecessary, but it will help deter your bike from being stolen while at work. When your bike has a cover on it, it takes a few minutes to get it off efficiently and get going. This can deter thieves from stealing your bike and moving on to another target. 

3. Add an Alarm

Not all bikes have an alarm, but you can add one that will alert you by sound and even by app notification if someone attempts to start your bike while it’s locked. This alarm will cause others to notice around the area and scare off someone attempting to take the bike. Bikes with alarms aren’t usually worth the trouble since they are looking to steal bikes that are easy to get and can be taken discreetly. 

4. Be Aware of Where You Park

If your employer has a gated lot or parking garage, park your bike in those areas. It keeps them out of sight and in areas that are harder to get. While it isn’t always 100 percent, it will discourage most thieves from attempting to steal the bike. 

If you need motorcycle insurance, contact our agents at TruePoint Insurance today for a personal quote. 

Collision insurance on an auto policy

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It is crucial for drivers to understand that mandatory liability insurance policies cover only the costs of damage they inflict on other vehicles and any resulting injuries. To cover their own repair costs following a collision, drivers must ensure their insurance policy includes collision coverage. TruePoint Insurance provides collision policies to local drivers in Pooler, GA. Here’s a brief overview of collision coverage and its significance.

Typical Damage to Vehicles from Car Accidents

Vehicles are prone to specific types of damage post-accident. Elements such as bumpers, tires, windows, and light fixtures often necessitate replacements. Drivers in Pooler, GA, should note that the costs for such repairs can fluctuate, but they are frequently quite steep, particularly if a car suffers significant damage in an accident. Collision policies primarily protect drivers from the abrupt financial burden of damage and essential repairs of this nature.

Collision Policies and Deductibles

Most collision policies require the policyholder to contribute towards their repair costs through a deductible. The insurance company covers the remaining costs once the deductible has been fulfilled. However, this sum differs for each driver in Pooler, GA. Essentially, it represents the figure that each driver has to pay out of pocket. An insurance agent can explain more comprehensively how deductibles function within any policy.

Understanding More About Collision Coverage

Our agents at TruePoint Insurance can help you establish a policy and examine coverage options. Contact us today to further your understanding and start your journey with auto insurance coverage.

Tips on Buying Motorcycle Insurance For Your Classic Bike

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Investing in a motorcycle can be exciting, and purchasing a vintage model can be even more exhilarating. Classic motorcycles offer unique features and value that modern bikes may not have. As such, it is important to secure the correct amount and type of motorcycle insurance to protect your investment.

At TruePoint Insurance, we offer clients in the Savannah, GA, area access to quality motorcycle insurance to suit their needs.

Choosing the Right Classic Motorcycle Insurance

Several considerations come to the fore when purchasing motorcycle insurance for your vintage bike. First, understand its value comprehensively; older bikes in good condition are often valued higher than others. Note that the bike’s value is based on the appraised amount, not necessarily what you paid for it.

Next, decide if you should opt for replacement or actual value coverage. Replacement value coverage pays for replacing your bike with a similar one, while actual value coverage merely provides the bike’s current worth. Please choose based on your bike’s type and value progression over time.

Also, consider the cost of replacement parts. A motorcycle accident could force you into extensive repairs, and finding classic parts to restore the bike properly can be both challenging and expensive, thereby increasing the cost.

Assistance in Securing Quality Insurance

When investing in motorcycle insurance in Savannah, GA, remember that you can rely on the team at TruePoint Insurance. You can procure the best insurance type that offers comprehensive coverage for your motorcycle, reducing your risks every time you hit the road for your next adventure.

What Does Auto Insurance Cover?

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Are you wondering what auto insurance covers? If so, our agents at TruePoint Insurance, serving the Savannah, GA area, can help you.

Auto Insurance Coverage Options

There are many different auto insurance coverage options, but only one is required by Georgia. That is auto liability insurance. This type of coverage will help pay for the medical bills and any property damage you may cause in an accident. It is illegal to drive in Georgia without auto liability insurance, and you can even lose your license or be jailed if you are caught driving without it.

Comprehensive Insurance Coverage

Comprehensive insurance is imperative to have, especially if you still owe money on your vehicle. This is because your vehicle can become damaged or destroyed at any time by some natural disaster or a fire. It can even be vandalized or stolen, and you will need help to recover from that financially. This type of policy will repair or replace your vehicle if any of these scenarios happen to you.

Collision Insurance Coverage

Collision insurance is just as important as comprehensive since it will help you out if you collide with another vehicle or some stationary object. This type of policy will help you get your car fixed quickly and back on the road.

Underinsured/Uninsured Motorist Coverage

Underinsured/uninsured motorist coverage will come in handy if a driver causes an accident and damages your vehicle or causes injuries to you or your passengers but does not have the proper amount of insurance to cover all the bills.

Contact TruePoint Insurance

Contact our agents at TruePoint Insurance, serving the Savannah, GA area, today to create a reliable auto insurance policy for you and your beloved vehicle.

Four inaccurate assumptions that are frequently made about auto insurance

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Consumers are sometimes misinformed about certain aspects of auto insurance. If you need auto insurance for your vehicle in Savannah, GA, we can ensure you’re accurately informed at TruePoint Insurance. 

The following are four inaccurate assumptions to be aware of that are frequently made about auto insurance. 

You enjoy coverage for everything if you buy comprehensive coverage.

Comprehensive coverage is a certain type of coverage. This type of coverage will compensate you for damages caused by events like theft and vandalism. However, comprehensive coverage doesn’t cover you for accident damage or liability expenses. 

You only need minimum coverage.

While minimum coverage might be all you need legally, investing in added coverage is always best. Otherwise, you could experience significant financial loss if you are held liable for an accident that involves extensive damage. 

You can use a personal auto insurance policy for business activities.

Don’t use your vehicle for business activity if you only have personal auto insurance coverage on it. You must buy a commercial auto insurance policy if you use your vehicle for commercial activities. 

Your auto insurance will cover anyone who drives your vehicle.

You cannot assume that your auto insurance will cover any accidents that occur while someone other than you is driving your vehicle. If you want to be sure that your auto insurance will cover other motorists driving your car, you will have to get these other motorists added to your auto insurance policy. 

Let us insure your vehicle in Savannah, GA. We’re here to help you meet all your auto insurance needs at TruePoint Insurance. Call us now to get a policy quote!

Why Are Motorcycles So Dangerous?

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Motorcycle ownership can be a great vehicle option for many people. To get the most out of your motorcycle, though, it is important to be aware of the increased dangers that bikes present. At TruePoint Insurance, serving Savannah, GA and the surrounding areas, we make it our job to help clients stay safe on the roads. Keep reading to learn more about why motorcycles can be dangerous.

Less Protection 

A motorcycle provides a great sense of freedom on the road, which is partly due to the fact that there is nothing surrounding the driver. Although this can be thrilling, it also increases the driver’s risk factors. With nothing protecting you from impact, you should be aware that driving safety is even more important than in a regular vehicle. 

Smaller Size 

Smaller vehicles are always at greater risk for damage, and drivers are at greater risk for injuries. This is because a larger vehicle can damage you and your bike more. Because you are a smaller vehicle, it will be important for you to take responsibility for extra safety precautions. 

Higher Speeds

Due to the bike’s smaller size and design, motorcycles can reach higher speeds than some other types of vehicles. The temptation to speed can be strong when driving a motorcycle. It is your responsibility, as a biker, to always keep a safe speed. This helps to protect you as well as other drivers on the road. 

To learn more about motorcycle insurance, please get in touch with us at TruePoint Insurance, serving Savannah, GA, and the surrounding areas. 

Protect Yourself with Car Insurance

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Did you know it is against the law in 48 states to drive without car insurance? Let the professionals at TruePoint Insurance, who serve the Savannah, GA area, provide you with the coverage you need for your car or truck.

Why is car insurance necessary? If you are like most drivers, you think it is not needed. But having car insurance is necessary for any driver.

The three main reasons to have car insurance are to comply with the laws of your state, satisfy lender requirements, and protect your assets. All states require you to take financial responsibility for damage you cause if an accident is your fault.

Auto insurance is required because it provides drivers with payment for damage to their vehicle caused by an accident or other covered perils, such as theft, fire, vandalism, falling objects, or other accidents.

It doesn’t matter what type of vehicle you drive; there is always the chance of a traffic mishap. Accidents frequently happen for several reasons and varying extents, but they always cost money. They can cause severe injury or death. If you are without car insurance, serious trouble can result. Not only will it cost thousands of dollars for medical bills and the damage incurred, but your driver’s license could be revoked, and you could be faced with a hefty fine.

Liability insurance is required by law. It is usually the most expensive, so your insurance provider will be responsible for any damage you cause.

Other coverage is collision, comprehensive, gap coverage, uninsured/underinsured motorist coverage, rental reimbursement, and roadside assistance. These coverages can provide a lot of protection for a small price increase.

Let the insurance professionals at TruePoint Insurance provide you with the coverage you need to protect your vehicle and driving privileges. Contact them today.

Why Add Collision and Comprehensive to Your Policy?

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When you purchase the required auto insurance to fulfill Georgia law, you might consider buying a policy that provides the minimum coverage. In most cases, though, you should insure your vehicle fully through TruePoint Insurance.

Full coverage of your vehicle ensures that your insurance policy protects your vehicle and the other vehicles of the other drivers on the road. The state minimum insurance you obtain to legally drive in Savannah, GA and the rest of the state only protects the other drivers’ vehicles. If you cause an accident, the bodily injury liability component covers the other drivers’ hospital and medical costs, plus that of their passengers. Your property damage component protects the vehicles of the other drivers.’

You only protect your own vehicle by adding collision and comprehensive coverage. This means that your policy covers all the repairs even if you cause a one-vehicle accident, as in, you damage your car, truck, or SUV. That means you’ll only need to pay a small deductible out of pocket for complete repairs instead of shelling out for all the repairs yourself.

Full coverage also protects you from damage caused by animals, such as deer, running out in front of your vehicle and acts of nature. If hail damages your vehicle, your full coverage policy protects your vehicle by paying for repairs. Whether you hit a fence, a wall, or a tree limb falls on your car, comprehensive and collision cover you. It even covers theft.

Contact TruePoint Insurance

Contact TruePoint Insurance serving Savannah, GA, to expand our auto policy to full coverage. Let us help you protect your vehicle and finances. Full coverage auto insurance protects you against all losses.

Auto Insurance and Teen Drivers: What You Need to Know

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There are many questions that arise for Savannah, GA parents who have teenagers about to start driving. If this sounds like you, then you are in the right place. TruePoint Insurance has put together several commonly asked questions to help you as you navigate this new and exciting chapter of your life.

Why Do Your Auto Insurance Premiums Increase?

New and teenage drivers are responsible for a significant portion of serious automobile crashes, and insurance companies are very well aware of this information. Because of this, they must figure out a way to balance out the risk and reward. They do this by increasing auto insurance premiums for younger and less experienced drivers.

Is It a Good Idea to Get Teens Their Own Insurance Policies?

Many parents believe they should simply get their teen their own individual auto insurance policy. However, as a general rule, when it comes down to it, adding your new teen driver to your current auto insurance policy will be less expensive than purchasing a separate policy solely for your teen driver. However, there may be instances when a standalone policy is ideal, and our team can speak to you about your individual situation and determine which option is most cost-effective for your family.

Is There Any Possible Way to Reduce Premiums?

Because your insurance premiums go up when you add your teen driver, you may want to figure out a way to save money if you can. From multivehicle discounts, if you add another vehicle for your teenager to discounts for good grades, the good news is that there are plenty of discounts available through most insurance companies.

If you have any further questions about insuring your teen driver in Savannah, GA, or if you are ready to add your teenager to your insurance policy, reach out to our team at TruePoint Insurance.

Is Motorcycle Insurance Required in Georgia

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With the wind in your hair and access to some of the best adventures in Georgia and nationwide, it is easy to see why owning a motorcycle is becoming increasingly popular. Just as you are required to have insurance for your personal automobile in Georgia, the same logic applies to a motorcycle with the state mandating separate insurance. At a minimum, motorcyclists must carry the following coverage:

  • $25,000 in liability insurance per person for injuries or death
  • $50,000 in insurance per accident for injuries or death
  • $25,000 in property damage liability per accident

Keep in mind that these figures are just the minimum coverage required to be in compliance with Georgia law and that many motorcyclists purchase additional coverage to better protect their assets, loved ones, and themselves. Failure to carry insurance while operating a motorcycle in Georgia carries hefty penalties including fines and revocation/suspension of registration. When shopping for insurance, bear in mind that liability insurance does not protect the rider and instead offers compensation and support for any victims of an accident caused by the motorcyclist. Given that motorcycle injuries are generally severe, additional coverage that should be considered includes collision insurance to pay for repairs or replacement of the motorcycle, comprehensive insurance to cover damages caused by theft, vandalism, hail, and more, and uninsured motorist coverage. 

In addition to insurance requirements, Georgia motorcyclists must also have a valid Class M License or Class M Instructional Permit which can be obtained through the completion of an accredited Motorcycle Safety Program Course or passing a vision test, written exam, and riding test administered by the Georgia Department of Driver Services. 

At TruePoint Insurance in Savannah, GA our friendly and dedicated team of insurance professionals is ready and willing to answer all your questions so give us a call today to learn more.