The Importance of Auto Insurance for Seniors

Posted on February 27, 2026February 16, 2026 by admin

As you get older, you may spend less time on the road. Once you retire, those long commutes to work come to an end. While you still need auto insurance, the type and amount of coverage you require may change.

At Birdsong Agency Inc., our team can help you find the right auto insurance in Snellville, GA, tailored to your specific needs. Schedule a consultation with us today to discuss your options.

Types of Coverage You Need as a Senior

Senior auto insurance needs can differ from what you required in the past. Here are some important considerations to keep in mind before making decisions about your coverage:

Ensure your policy covers the value of your vehicle in the event of a total loss. If you’re not comfortable buying a new car, you’ll want coverage that matches the cost to replace your current vehicle.
Include uninsured and underinsured motorist coverage. Other drivers may cause significant damage but lack the insurance to cover your losses.
Maintain more than the minimum liability insurance. Minimum coverage often falls short of covering all financial responsibilities if you cause an accident.
Discuss your driving habits with your insurance provider. If you primarily drive locally and infrequently, a low-mileage auto insurance policy could save you money.
Consider bundling your insurance policies to reduce costs. Purchasing multiple insurance products from the same company often leads to discounts.

Additionally, maintaining good driving habits and taking a defensive driving course can help lower your insurance costs and protect your future.

Set Up a Consultation with Our Team

Get a quote for auto insurance in Snellville, GA, by working with the team at Birdsong Agency Inc. We’re here to help protect you, no matter your age.

When To Increase the Liability Coverage on Your Boat Insurance

Posted on January 30, 2026January 14, 2026 by admin

Every boat/watercraft insurance policy includes liability coverage. For many owners, this coverage will be sufficient, but some situations require higher limits to protect your investment. Birdsong Agency Inc., serving Snellville, GA, can help you find an appropriate liability level for your needs.

Assessing Your Boat Liability Coverage Needs

In general, upgrading your watercraft will trigger a need for higher liability coverage. Faster, more powerful boats can cause more significant damage in an accident, requiring higher limits. Larger vessels, including small yachts, also require higher liability limits.

If you operate your boat in a crowded or high-risk area, you also have a greater potential for accidents. Some marinas even require higher liability limits.

If you frequently carry or entertain passengers, consider adding liability protection. The presence of more people increases the possibility of mishaps. Increasing your liability limits will help protect your investment, as people may press lawsuits against you, even when you are not at fault.

Determining How Much Liability Coverage Is Enough

Many boaters carry $100,000 to $300,000 of liability protection for their boat/watercraft. But that may not be enough, depending on your situation. Calculating your net worth, including your home, savings, and investments, is a good starting point. A good rule is to have enough liability coverage to protect your net worth. If the figure exceeds what a standard policy provides, you can add umbrella coverage for maximum protection. Review your liability risk annually to ensure your limit is high enough.

Finding the right liability limit can be confusing, but Birdsong Agency Inc. is here to help. Contact us to learn how to protect your investment with a boat/watercraft insurance policy. We’re currently serving Snellville, GA.

Does Classic Car Insurance Cover Transport?

Posted on December 31, 2025December 11, 2025 by admin

Classic car owners in Snellville, GA who showcase their vehicles at classic car shows will want to ensure their valuable cars have the right type of coverage. The good news is that classic car insurance typically covers the cost of transporting a car to and from a show; however, there are several coverage options, and it’s good to know which type of transport is covered in advance of an important event. Learn more from the professionals at the Birdsong Agency, Inc.

Open Transport

Open transport is the most affordable transport option, which means coverage for this type of transport will often cost less than coverage for other transport options. As the name implies, using open transport means that the car is exposed to the elements while it’s being transported from the owner’s garage to the event. Thus, it’s at risk of damage from weather, the elements, or a traffic incident.

Enclosed Transport

If you want to ensure your vehicle has proper protection during transportation to and from car shows, it may be wise to ask your insurer about coverage for enclosed transport. The vehicle won’t be exposed to the elements and will have some protection in the event of an accident.

Specialized Transport

For unique or very valuable classic cars, regular transport isn’t enough. You’ll want to make sure your classic car insurance policy covers specialized transport. Specialized transport is purpose-built for classic cars and has amenities designed to protect cars as they’re moved from one place to another.

Contact the Birdsong Agency, Inc for More Information

The Birdsong Agency, Inc, serving Snellville, GA, offers a huge range of vehicle insurance policy options. Call us if you’re looking for a classic car insurance policy, and we’ll help you review your options and pick coverage that meets your needs.

Does Georgia Require All Motorcycle Riders To Have Insurance?

Posted on November 28, 2025November 11, 2025 by admin

There is nothing quite like the feeling of freedom you get when taking to the highways of Snellville, GA, on a motorcycle. Whether it’s for business or pleasure, it is a pleasurable experience. At Birdsong Agency Inc, our agents are available to answer any questions you have about motorcycle coverage.

Do You Need Motorcycle Insurance?

Unlike some states that do not require insurance for motorcycles, Georgia does require owners to have limited liability insurance. The coverage is for bodily injury per person and per accident, as well as property damage.

Motorcycle owners cannot register their bikes without proof of insurance. If you ride your motorcycle without insurance, you can face a suspended license, fines, or a misdemeanor charge. You can even have your bike impounded. If your bike becomes uninsured, your initial registration can also be suspended.

As the operator of the motorcycle, you must have proof of insurance in your possession whenever you are operating your motorcycle.

Are There Any Exceptions To Having Motorcycle Insurance?

There are a couple of exceptions when insurance is not required for your motorcycle. An insurance policy is for motorcycles that access public roads.

Dirt bikes used for off-road riding typically do not require insurance. If your dirt bike is leased or financed, the lender may require that you have full insurance coverage, including collision and comprehensive.

Mopeds that are under 50cc and do not go more than 30 mph are also exempt from insurance. If you have a moped over 50cc and/or that can exceed 30 mph, then it is considered a motorcycle and must have the required insurance.

Contact Us

Birdsong Agency Inc can help ensure that anytime you are riding your motorcycle in Snellville, GA, you are in compliance with Georgia law. Call us today and be ready to roll tomorrow.

Is It Possible To Combine Boat/Watercraft Insurance With an Existing Policy in Snellville, GA?

Posted on October 31, 2025October 16, 2025 by admin

Investing in boat/watercraft insurance is essential if you enjoy seasonal or recreational time on the water. Residents in the area of Snellville, GA, who are considering boat or watercraft insurance for liability, collision, or theft protection may want to combine existing insurance policies for cost savings. At Birdsong Agency Inc., we assist clients, ensuring optimal protection year-round.

Many insurers provide policy bundles that help reduce insurance rates and policy costs, and are much more convenient to manage. Bundling eligibility may depend on the type of watercraft you own, such as a sailboat or a Jet Ski. Working with an insurance agency is a way to determine whether a combined policy is ideal.

Opting to bundle your boat and watercraft insurance through multipolicy solutions typically results in discounts while providing the coverage you are seeking. Additionally, when you choose to bundle your boat and/or watercraft insurance policy with an existing policy, it is much easier to manage your coverage. Simplified policy management helps streamline the process of paying for what you need without sacrificing convenience.

Additionally, combining boat and watercraft insurance policies with existing insurance policies can result in improved coverage alignment, preventing you from overlaps or gaps in coverage. Working with the right agent can make all the difference. Understanding your options while combining insurance policies provides peace of mind and long-term coverage, whether you’re a seasonal or recreational boat and/or watercraft owner.

Anytime you are considering boat/watercraft insurance, it’s essential to consider your options. Combining your boat and watercraft insurance with an existing policy can significantly reduce your insurance rates while providing maximum protection and coverage. To learn more about your boat and watercraft insurance options in or near Snellville, GA, contact Birdsong Agency Inc.

Why Suburban Atlanta Homeowners Need Flood Insurance

Posted on September 30, 2025September 19, 2025 by admin

Did you know that having home insurance doesn’t always mean you are covered for floods? Many Atlanta homeowners mistakenly assume their home insurance automatically covers property damage or loss caused by natural disasters and floods.

The best way to ensure your home and family are fully protected from a variety of risks, including flooding, is to review your current home insurance policy with a licensed local professional like the experts at Birdsong Agency Inc. in Snellville, GA.

Why Suburban Atlanta Homeowners Need Flood Insurance

Increasing Weather Risks

Living in the tranquil, tree-lined streets of suburban Atlanta neighborhoods offers many benefits, but it also comes with risks. Homeowners often overlook the increasing number of severe weather-related events that can cause extensive flooding when structuring their home insurance policies.

The good news is that you can get coverage for flooding caused by severe storms, local infrastructure damage, and coastal flooding by investing in a comprehensive flood insurance policy.

Your Homeowners Insurance Probably Won’t Cover It

Standard homeowners’ insurance does not typically cover flood-related costs caused by torrential rains, downpours, overflow from nearby rivers and streams, or rapid urban development that increases water runoff.

Extensive flood damage can affect your home’s foundation, render electrical systems inoperable, wash out appliances, and ruin interior and exterior furniture.

Get Flood Insurance in Atlanta Suburbs

The benefits of having flood insurance include financial protection that can cover structural damage to your home’s exterior, interior damage, personal property, and provide a quick recovery for families affected by floods.

With the influx of heavy rainstorms, tornadoes, and local flooding, suburban Atlanta homeowners must safeguard their families, personal property, and home interiors.

Contact the local professionals at Birdsong Agency Inc. in Snellville, GA, to ensure you have adequate flood insurance protection for your home and family today!

When is it Recommended to Get Life Insurance?

Posted on August 29, 2025August 20, 2025 by admin

It’s never too early or too late for residents of Snellville, GA, to consider life insurance. Younger individuals may not see it as a priority and wonder why it’s needed, while older adults may start thinking about it as they plan for their family and future retirement. Senior citizens often question the benefits of life insurance at their age. No matter your stage in life, at Birdsong Agency Inc., we’re here to answer your questions, discuss the pros and cons of when to buy, and provide recommendations tailored to your needs.

Reasons to Buy Life Insurance

Younger

As a young person in good health, premiums are typically lower, and getting approved for a policy is usually straightforward. For young adults who have started a family or plan to in the future, a permanent policy is a step toward long-term financial security. Additionally, a life insurance policy offers protection in case the policyholder experiences a serious illness.

Older

As you age, financial responsibilities often increase. A policy with affordable premiums can help manage these obligations and provide financial security in the event of sudden death, ensuring your family isn’t left without income. It can also cover final expenses.

Seniors

Premiums for senior citizens are generally higher, but life insurance can serve multiple purposes. It can provide financial support for a spouse, help pay off existing debts, offer access to withdraw money from the policy for supplemental income, and cover final expenses.

Contact Us

If you live in Snellville, GA, are moving to the area, or planning to retire here, and are wondering if life insurance is important, contact our team at Birdsong Agency Inc. We’ll discuss the benefits of various life insurance policies, including term, whole, and universal options, so you can make an informed decision about when coverage is right for you.

How Georgia Summers Can Impact Your Vehicle (and What to Do About It)

Posted on July 31, 2025July 21, 2025 by admin

Traversing the Georgia roads during the summer comes with its own set of challenges. The intense summer heat can affect your vehicle in ways you might not expect, making it crucial to prepare in advance. Below, we’ll explore how Georgia summers can impact your vehicle and what steps you can take to mitigate these risks. When you’re ready to find the coverage you need to maintain peace of mind and keep your vehicle protected, trust Birdsong Agency Inc. in Snellville, GA to help you secure the right policy.

Navigating Summers in Georgia: Essential Car Safety Tips

One of the primary concerns for car owners in Georgia is the heat. High temperatures can put significant stress on your vehicle. If your car isn’t driven frequently, your tires may develop dry rot. Overinflating your tires during hot weather can lead to blowouts on the road. Additionally, extreme heat can affect your vehicle’s battery, potentially causing it to malfunction. To prevent these issues, keep your car covered and cool, regularly inspect your tires for signs of dry rot, and avoid overinflating them when adding air.

Another concern is flash flooding. Tropical storms can lead to sudden road flooding, creating hazardous driving conditions. Stay informed about weather forecasts and be prepared for wet roads or severe flooding in your area.

Protect Your Vehicle with Birdsong Agency Inc.

While regular maintenance is essential for staying safe during Georgia summers, car insurance provides an added layer of protection in the event of accidents or emergencies, such as floods. At Birdsong Agency Inc. in Snellville, GA, we’re here to help you find the right policy to keep you safe on the road. Compare quotes with us today!

SeaDoos and Safety

Posted on June 30, 2025June 17, 2025 by admin

Legally, a personal watercraft (PWC) refers to a vehicle commonly known by brand names such as Sea-Doo, WaveRunner, or Jet Ski. These names are examples of generic trademarks. While PWCs are often seen as fun recreational vehicles, it’s important to remember that they can be dangerous if proper precautions are not taken. By law, you are required to wear a life jacket, use an emergency engine cutoff lanyard, and have a Coast Guard-approved B-1 fire extinguisher on board. Additional legal safety requirements include carrying a signaling device, such as a whistle or horn, and ensuring your PWC has a functioning backfire flame arrestor with a passive ventilation system. You must also display your registration numbers, letters, and validation decals, and be prepared to present your vessel registration upon request.

Safety Tips for PWC Users

In addition to the legal requirements, it’s wise to carry a VHF radio or cell phone for emergencies. A first aid kit can be invaluable, and a bilge pump is helpful if your PWC becomes waterlogged. Always stay alert to boat traffic, as other vessels may not anticipate your PWC’s quick response or short turning radius. Maintain a safe distance from others, and always check both ways and behind you before turning. Avoid attempting to spray others with your PWC, as this is not only rude but also unsafe. If you’re falling off the craft, let go and move away to avoid injury. If your PWC overturns, follow the instructions on the stern to right it. Avoid operating in shallow water, bad weather, or low-visibility conditions.

Contact Birdsong Agency Inc. in Snellville, GA

If you’re in the Snellville, GA area, contact Birdsong Agency Inc. for boat and watercraft insurance to ensure you’re adequately covered.

Can You Obtain Classic Car Insurance Seasonally in Georgia?

Posted on May 30, 2025May 25, 2025 by admin

If you own a classic car that you use seasonally, particularly between spring and fall, you might be considering a seasonal insurance plan that protects your vehicle only when it’s in use. If you’re located in Snellville, GA, switching to "lay-up" or "storage-only" coverage may be possible for your specific classic car make and model. At Birdsong Agency Inc., we’ll guide you through the process to determine if you qualify and to find find a suitable policyr needs.

How Seasonal Classic Car Policies Work

Seasonal classic car insurance in Georgia provides the following coverage:

Comprehensive: Protects against fire, vandalism, falling trees, and even theft.
Agreed-Value Payout: Locks in your collectible’s value without depreciation risks.
Spare-Parts Coverage: Covers hard-to-find parts, such as trim and NOS parts.

What to Remember

When using seasonal insurance in Georgia, here’s what you should remember:

No Collision/Liability Protection: This protection is removed with seasonal policies while the vehicle is off public roads. However, this can reduce premiums by up to 50%.
Liability is Required: You’ll still require liability insurance as soon as you decide to take your classic vehicle out of storage and onto the open road.
Title/Registration: Georgia provides an antique plate for those interested in seasonal policies.

Comparing your classic car insurance policies with standard insurance policies is a way to determine which route is best for you. If you only use your classic car during road shows and at certain times of the year in Snellville, GA, we can help you find a policy that’s just right. For more information about classic car insurance near you and which policies you qualify for, contact Birdsong Agency Inc. today.

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Types of Coverage You Need as a Senior

Set Up a Consultation with Our Team

Assessing Your Boat Liability Coverage Needs

Determining How Much Liability Coverage Is Enough

Open Transport

Enclosed Transport

Specialized Transport

Contact the Birdsong Agency, Inc for More Information

Do You Need Motorcycle Insurance?

Are There Any Exceptions To Having Motorcycle Insurance?

Contact Us

Why Suburban Atlanta Homeowners Need Flood Insurance

Increasing Weather Risks

Your Homeowners Insurance Probably Won’t Cover It

Get Flood Insurance in Atlanta Suburbs

Reasons to Buy Life Insurance

Younger

Older

Seniors

Contact Us

Navigating Summers in Georgia: Essential Car Safety Tips

Protect Your Vehicle with Birdsong Agency Inc.

Safety Tips for PWC Users

Contact Birdsong Agency Inc. in Snellville, GA

How Seasonal Classic Car Policies Work

What to Remember

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