Personal Insurance Options - Barnes and Howell Insurance, Inc.

You have options:

Many consumers are finding they can drive down the cost of car insurance and the time it takes to select the right policy by contacting Barnes and Howell Insurance, Inc. Because we represent many different insurance companies, we have the flexibility to review rates and coverage from competing carriers and get you the best deal. Plus, Barnes and Howell can offer affordable protection for your home, business and other assets. So rather than spending hours gathering quotes from various companies, you can get it done with one call (770) 718- 0202 or visit to our offices in Gainesville, Georgia.

Here are a few things to consider: What’s your lifestyle? Many factors determine auto insurance rates, not just vehicle year, make and model. Companies also look at information about you. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to us. You may be eligible to save money on your car insurance. Sweet 16 doesn’t have to be sour. Having a new teenage driver usually means the auto insurance bill will go up, but there are ways to save and we will find them for you. How old is your car? You don’t always need the same level of physical damage coverage on older cars as on newer ones. If you drive an older car, we can advise you on what level of coverage makes the most sense. If you want to keep your physical damage coverage, consider raising your deductible, that could save you money each year, too.

Four Questions To Get The Right Auto Insurance

Using the right tool and a trusted advisor is key to success in any profession and applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident. If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs and risks of a business vehicle operator.

Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy, courtesy of Barnes & Howell Insurance, Inc.:

Do you need more liability coverage than your personal auto policy provides? Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.
Do you need special coverage for situations associated with con-ducting business? Commercial auto policies also usually offer certain coverages—such as hired and non-owned auto coverage and coverage for towing a trailer for business use—that are not available with personal auto policies.
Do you need to list any employees as drivers? You can do this with a commercial auto insurance policy.
Do you use your vehicle for business purposes? If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.

Barnes & Howell is an independent insurance agency – trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company. To learn more about all an independent agency offers, visit Barnesandhowell.com or call us 770 718-0202.