Name: Birdsong Agency Inc
Address: 1379 Scenic Highway, Snellville, GA, 30078
Telephone: 470-268-7886

Why basic auto insurance may not be the right choice for you

Posted on December 23, 2024December 19, 2024 by admin

In Georgia, the minimum requirement for auto insurance is basic liability coverage of 25/50/25. This includes $25,000 for injuries to the first person injured in an accident, $50,000 for all injuries, and $25,000 for property damage. At Birdsong Agency Inc. in Snellville, GA, we work closely with our customers to ensure they have the best coverage for their needs.

Additional Coverage for Loans or Leases

If you have an auto loan or lease, you’ll be required to carry additional coverage to protect the vehicle. This includes comprehensive and collision coverage.

Why Basic Liability May Not Be Enough

Basic liability coverage may not provide adequate protection if you have substantial assets. Given the high cost of medical treatment, you could be left with a large medical bill to pay out of pocket. If you have significant assets, consider getting an umbrella policy.

The Need for Collision and Comprehensive Coverage

Collision and comprehensive coverage protect your vehicle if it’s damaged in an accident for which you’re responsible or from various non-collision events. Basic insurance may suffice if you can afford to replace your vehicle or manage without it. However, if you rely on your vehicle for daily activities and don’t have a large cash reserve, insurance to repair or replace your vehicle can make a significant difference. Remember, you’ll need to pay a deductible, which you choose when you take out your policy.

Contact Birdsong Agency Inc. in Snellville, GA, to discuss your auto insurance needs with one of our independent insurance agents.

Boat Insurance Coverage for Navigational Equipment

Posted on November 25, 2024November 21, 2024 by admin

Navigational equipment is susceptible to theft and damage, particularly if it’s visible or uncovered when your boat is unattended. It’s advisable to seek insurance protection to cover the cost of repairing or replacing the essential equipment.

Usage of Navigational Equipment

The navigational equipment you use is crucial in ensuring your safety while operating your boat and guiding you during each boating excursion.

Consider how frequently you use the equipment and how challenging it would be to operate your boat without it.

If losing one or more navigational devices would hinder your ability to use your boat as usual, consider adding the navigational equipment to your existing boat insurance policy.

Storage for the Equipment

Do you have a secure place to store navigational equipment when not used? If not, you might want to devise a storage plan to protect the equipment.

If any of the equipment is installed on your boat, covering it when not in use can reduce the risk of damage or theft.

When you’re ready to add the navigational equipment to your insurance policy, be prepared to provide information about how you plan to use and store it.

Also, have the model number for each piece of equipment ready. This information could influence how your boat insurance policy is prepared.

Contact an Insurance Agent in Snellville, GA

Contact one of our agents from Birdsong Agency Inc. for assistance with insuring the navigational equipment you own and plan to use during upcoming boat outings.

Everything You Need to Know About Classic Car Insurance

Posted on October 21, 2024October 18, 2024 by admin

A classic vehicle needs to be insured like any other car, except for specialized coverage. Classic car insurance is designed for vehicles that fall under the vintage or antique scope. Classic policies often cover more than standard car insurance but have higher premiums. If you’re unsure if classic car insurance suits you, contact an agent at our Birdsong Agency Inc. in Snellville, GA.

What Classic Car Insurance Covers

One would want classic car insurance for their vintage vehicle because the coverage is determined by an agreed value between you and an insurance agency. The coverage will ensure that vehicle owners will get adequate coverage if there is any damage or accidents to the vehicle.

In addition, they include premiums for replacement parts for that specific vehicle. By changing vehicle parts to the same replacement quality, the car doesn’t lose any value, which can be extremely important when protecting the value of classic cars.

Lastly, classic car insurance will include emergency roadside assistance and transportation expense reimbursement. While the standard car insurance has this feature in some policies, this coverage is designed to be more careful when transporting your vehicle.

Are Premiums Higher for Classic Cars?

Premiums are often higher for classic car insurance due to the payout of accidents or replacing spare parts. In addition, some classic cars may not be accepted onto plans or have high premiums due to exceeding certain mileage limits. Before getting classic insurance for your vehicle, you’ll want to discuss coverage in detail with an agent.

How to Get the Right Coverage

A professional at our Birdsong Agency Inc. in Snellville, GA can help talk to you through specific coverage. We can help research and compare the best options for your vehicle. In addition, we can also help you determine what type of added coverage you may need. That said, all you will need to do is call.

How to Protect Your Motorcycle Accessories

Posted on September 30, 2024September 26, 2024 by admin

Choosing Classic Car Insurance: Understanding What’s at Stake

You’ve finally purchased the custom motorcycle you’ve always dreamed of, complete with stylish accessories that add to its appeal. Unfortunately, while these adornments may make your motorcycle more attractive to you, they may also make it more appealing to thieves in Snellville, GA. Plus, what happens if your prized motorcycle is involved in an accident? Birdsong Agency Inc. is here to guide you on protecting your motorcycle accessories from various risks.

The Importance of Physical Deterrents

If your motorcycle boasts expensive, visually appealing accessories, it’s crucial to implement physical security measures. You can take multiple steps to make it more challenging for thieves to steal your motorcycle or its accessories, such as a disc lock, ground anchor, lock and chain, cover, and tracker installation. While these mitigation strategies can deter potential thieves, they don’t cushion you against accidental damage.

Incorporating Accessory Coverage into Your Insurance Policy

Although comprehensive and collision coverage can cover the cost of some modifications to your motorcycle, they may be subject to limits. Adding optional accessory coverage can help pay to repair or replace your motorcycle’s enhancements due to covered risks. Despite having a deductible for damage to your motorcycle or its parts, you could enjoy expanded coverage worth thousands of dollars. Examples of items and accessories that you could include in an add-on policy are:

Custom wheels, seats, and handlebars
Chrome pieces
Custom paint
Saddlebags and windshield
Electronics

Some insurance policies even permit the inclusion of items like helmets and other protective gear. If your motorcycle is a continuous investment, it’s worth considering this coverage.

Birdsong Agency Inc., catering to residents of Snellville, GA, and nearby communities, can help you tailor a motorcycle insurance policy to protect your custom accessories. Get in touch with us today to start your journey toward better coverage.

Is it a good idea to get a boat/watercraft insurance plan?

Posted on August 30, 2024August 22, 2024 by admin

You may want to own a boat when you live in the Snellville, GA, area. If you are going to purchase a boat when you are here, it will allow you to enjoy the nice weather and access to many lakes and fun boating areas. When looking for a boat, you also need to consider insurance. For various reasons, getting a full boat or watercraft insurance plan here is a good idea.

Ensure the Boat is Covered

A top reason to get a boat insurance plan is to ensure your boat is covered and protected. When you buy a boat, it will quickly become costly to purchase and care for. If you are fully insured, you will have the support you need to replace or repair it in the future.

Protect Against Liability Risks

It is also a good idea to get boat insurance to protect against your liability risks. If you operate a boat, there will always be a chance that you cause an accident and damage. When this occurs, you will need to pay for any remediations. Fortunately, if you are insured with boat coverage, you will have protection against this risk.

Boat or watercraft insurance is always a good idea when looking for coverage in the Snellville, GA, area. If you are shopping for a new insurance plan in this area, you can call our team at Birdsong Agency Inc. to discuss your needs. Our professionals with the Birdsong Agency Inc. are familiar with the needs of boat owners when it comes to insurance. This helps to ensure you are able to build a plan that will properly cover your business.

Preparing for Hurricane Season: Mitigating Flood Risks

Posted on July 30, 2024July 25, 2024 by admin

At Birdsong Agency Inc. in Snellville, GA, we encourage homeowners to take steps in preparation for hurricane season. Hurricanes can result in flooding and extensive damage. Here are some ways to minimize your risks of water damage and be ready during and after a storm.

Know Your Risks

Risks will vary depending on your regional location and hurricane’ frequency. Near the coast, storm surges are a major risk, while inland properties face heavy winds and rain. Knowing which conditions are most likely to impact your property will help you prepare adequately.

Obtain Flood Insurance

Standard home policies don’t cover storm surge or flood damage. Review your policy, talk to your agent or the National Flood Insurance Program for details, and invest in water and flood coverage.

Get the Property Prepared

Drains and gutters should be cleared before the storm to let water flow freely rather than impeding on your property. Sandbags can be used to divert water. Unplug electronics and elevate furniture using blocks to keep them out of the water.

Create a Safety Kit

Prepare an emergency kit with food and water for a few days. Add toiletries, medication, flashlights, a radio, batteries, a phone charger, and first-aid products. Essential documents, including birth certificates, wills, and insurance papers, should be placed in an airtight bag that can be stored in a watertight space like a washing machine or dishwasher.

Be Prepared for Hurricane and Tropical Storm Flooding

Being ready is only half the battle when storms strike, even with mitigation plans. Should a storm cause flood damage, your National Flood Insurance agent can guide you about how to start processing a claim to get repairs underway. Our team at Birdsong Agency Inc. in Snellville, GA can assist you with getting coverage in place.

When Should You Update Your Life Insurance Policy?

Posted on June 28, 2024June 27, 2024 by admin

Updating insurance policies is something everyone should do when they have changes in their lives. If you haven’t updated your life insurance policy in a while and you’re in the Snellville, GA area, Birdsong Agency Inc. is here to help. We know it can be easy to forget to make policy updates or sometimes to realize that you need to. Our agents want to help you stay adequately protected and up-to-date with all your coverage, including the life policy that helps protect your family.

If you don’t have any changes to your circumstances, reviewing your policy with an agent at least once every year is still a good idea. That helps ensure you have the best coverage for your situation and can also increase your peace of mind. Additionally, you’ll want to contact an agent for an update anytime you have a change that could affect your policy.

That includes anything that might mean a change to your beneficiary, such as a marriage or divorce, along with any reasons you might want to change the limits on your coverage. If you have more children, for example, you might want to increase how much coverage you have. That could also be true if you change careers or move into a field where your opportunities to provide for your family are much higher.

Get in touch with us at Birdsong Agency Inc. today if you’re in the Snellville, GA area and need to update your life insurance policy or get one started. Our dedicated agents will help you feel confident that you have the right type and level of coverage to focus on enjoying your time with friends and family. You’ll always know your loved ones are protected when you keep your policy updated.

Seasonal Auto Insurance Advice for Snellville Residents

Posted on May 30, 2024May 30, 2024 by admin

As the seasons change in Snellville, GA, so too can the conditions that affect your driving and, by extension, your auto insurance needs. At Birdsong Agency Inc., we recognize the importance of adapting your coverage to match the seasonal challenges that arise on the roads of Snellville.

During the colder months, the risk of icy roads and decreased visibility make it essential to ensure that your auto insurance policy is robust and comprehensive. Ensuring you have appropriate coverage for potential accidents in these harsh conditions can provide peace of mind during winter drives.

Spring in Snellville brings its own set of challenges, including wet driving conditions and the resurgence of wildlife on the roads, which can increase the likelihood of vehicle damage. Spring is an ideal time to review your policy with us at Birdsong Agency Inc. We can help ensure that your insurance coverage applies to the unique risks of the season.

The warmer months typically see an increase in traffic as tourists visit and residents enjoy the beautiful weather. More vehicles on the road can lead to a higher chance of accidents. Summer is crucial to assess whether your insurance policy provides sufficient protection against collisions and other driving-related incidents.

As your local insurance provider, Birdsong Agency Inc. is here to assist the residents of Snellville, GA, throughout the year with all their auto insurance needs. Whether adjusting your policy to meet seasonal demands or simply answering your insurance-related questions, we are here to help.

We encourage you to contact us to discuss how we can better serve you. Visit our website or contact us directly; let Birdsong Agency Inc. help you ensure that your auto insurance is ready for any season in Snellville, GA.

Does Boat Insurance Cover Towing?

Posted on April 29, 2024April 29, 2024 by admin

You probably know that boat insurance covers your vessel in most on-water accidents, but what about when it needs to be towed to a marina? And is it covered while you’re towing it behind a car or truck? The answers depend on your coverage types and the features of your specific boat insurance policy.

On-Water Towing

Many insurers cover necessary on-water towing. However, this coverage may be included or optional. It can come in handy if your boat runs aground, becomes involved in an accident, or suffers engine failure on a lake in Snellville, GA. Some policies also provide roadside assistance for boat trailers and the vehicles pulling them.

Towing on Land

Don’t forget that an accident could occur while you tow a vessel on the road. When this happens, boat insurance covers damage to the watercraft. You may need extra insurance if you want coverage to extend to your trailer. Some carriers add this coverage to boat policies, while others add it to auto insurance. Either way, a deductible often applies to claims.

If the vessel harms someone else’s property while you tow it on land, boat insurance probably won’t cover the damage. Instead, liability is usually handled by car insurance. An umbrella policy can provide additional liability protection if needed. Home or renters insurance includes some limited coverage of low-value boats but usually doesn’t cover liability. In most cases, these policies also exclude personal watercraft (like Jet Skis).

Birdsong Agency Inc. offers boat insurance and auto, home, renters, and umbrella coverage. Snellville, GA, residents benefit from our ability to help customers select policies that truly provide the coverage they need. We take the time to compare different options and explain what they cover. For more information, please call the Birdsong Agency Inc. office at 470-268-7886.

Can I Cancel My Classic Car Insurance if I Store it for the Winter?

Posted on March 29, 2024March 25, 2024 by admin

Understanding Winter Coverage for Classic Cars

A classic car owner might be tempted to cancel all or some parts of their classic car insurance during the winter. However, this might not be the best decision. Accidents can still occur even when your classic car is in storage throughout the winter. The Birdsong Agency Inc. team, located in and around Snellville, GA, is ready and available to assist you with questions about your classic car insurance or any other coverage.

The Dilemma of Classic Car Insurance during Winter

Classic car insurance policies differ from everyday driver insurance policies. Classic car insurance usually comes at a significantly lower cost than for regular vehicles, given that classic cars have mileage restrictions. However, when these timeless beauties are stored away during winter or taken out for maintenance, owners often consider canceling some or all of their insurance.

Say you chose to cancel your comprehensive insurance. This would imply that your vehicle is not insured against theft, vandalism, or fire during that period. As an owner, it’s important to consider the storage facilities and the potential for such accidents before canceling. Moreover, homeowners’ coverage typically doesn’t cover vehicles meant for road use, even when stored in your garage.

On the other hand, if you cancel your collision coverage, your car is unprotected from accidents that could occur while moving it inside the garage, if it falls off a lift, or if something falls onto it.

Aiding Your Classic Car Insurance Needs with Birdsong Agency Inc.

Accidents are unpredictable, and classic car insurance provides coverage only when the vehicle is active. The Birdsong Agency Inc. team is committed to offering classic car insurance tailored to your needs. If you live in or near Snellville, GA, call us today at 470-268-7886 or visit us. Let us help with all your insurance needs.

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