Three Things You Should Know When Purchasing Boat Insurance

Purchasing an insurance policy for a boat isn’t always as easy as obtaining insurance for an automobile. Many insurers will not underwrite policies for boats. Other insurers want to charge an exorbitant premium for very little coverage. If you are looking for an insurance policy to cover your boat, keep the following three tips in mind as you comparison shop for the right policy at a price you can afford.

Minimum Coverage Isn’t Always Enough

Many states have laws on minimum coverage amounts; these amounts may not always be enough if an accident happens. Look at your overall financial picture and determine how much coverage you need to protect yourself in the event that an accident happens with injuries to other people and damage to property. Then select your coverage amounts and deductibles accordingly.

Types of Coverage Needed

Your boat is not the only thing that needs insurance coverage. You should purchase a policy that includes coverage for damage to property other than your boat, including other watercraft. You should also obtain coverage for injuries to yourself and others involved in an accident.

Cheapest Isn’t Always Best

Many people will select a boat or automobile insurance policy based on which policy has the cheapest premium amounts. This can involve exorbitant deductibles that can cause a hardship in the event of an accident. Select your policy based on coverage amounts and overall costs in the event of an accident. Don’t let the upfront premiums be your deciding factor.

If you are in the Marietta, GA area and you have a boat that needs insurance coverage, LG Insurance Group can help. Visit online to get a boating insurance policy with more than the state minimum coverage at a price you can afford. Then go out and enjoy your boat with the peace of mind that comes from having all your affairs in order.

Buying a Used Car for the Family? Here are a few Tips

You’ve decided to invest in a new vehicle for your family, but you already know going to the lot and buying a brand new one is not an option. Good news is that you can easily go to the lot and buy a used car for much cheaper, and they often feature the exact same technology used in today’s latest cars.  Not only will buying used help lower your insurance premiums, but it will also lead to a lower monthly car payment than you would have if you purchased new.

The first thing you’ll want to think about when buying a car for the family is the amount of seating it has. After all, if you have four or more kiddos, your vehicle options will include vans, trucks, and SUVs.  After you have decided how many seats you want the car to have, you can then move on to taking into account the safety features.  Some of the best are:

  • Adaptive headlights
  • Adaptive cruising
  • Air bags

You will also find it helpful to conduct a bit of online research before you head out car shopping.  Asking friends, family, and co-workers for their recommendations on buying a car can also be valuable to the buying process. The more information and reviews you read about the cars you’re thinking about buying, the better.

If you have any questions about buying new or used, including inquiries about insurance, please don’t hesitate to reach out to LG Insurance Group in Marietta, GA today. With a qualified agent on the other end of the phone, you can take comfort in knowing you’re being provided sound advice.