Why Auto Insurance Premiums are Increasing

Allstate grabbed Georgia headlines last May with less than favorable news that one of their auto insurance programs would be raising premiums by an average of 25%.  This is much higher than what we are seeing within our markets, however, we are seeing increases by all carriers this year.  The most common or typical increase we are seeing is about 9 to 10%.  Given the significant premium changes, we wanted to share what is driving this trend through this infographic.  All of these factors may not be in our control, however, a few are such as the ever distracted driver.  How many drivers do you see every day talking or texting on their phone?  Be sure that you are not one of these drivers and be an example for your family and friends.  Whatever small part we can play to mitigate traffic fatalities and losses will help us all.

What can you do today to alleviate an increase you recently experienced?  Compare – Compare – Compare! With multiple markets at our disposal, we would love to help you find out just how much you may be able to save.  Contact us today!


Preparing Your Home for Emergencies

No matter where a person resides, emergencies happen. Residents in Marietta, GA and the surrounding region need to prepare in the event of a serious storm or other condition that may affect their homes. Although nothing is 100-percent effective at protecting a home, certain precautions will reduce damages to the home and inconveniences to the family.

1. Create an Emergency Kit
Residents don’t want to find themselves without adequate food and supplies if they find themselves trapped inside their homes for several days. It’s important to have a stock of bottled water, nonperishable food items, flashlights with batteries, extra food for pets, at least an extra week’s worth of medications, matches and a radio.
2. Storm-Proof Windows
When high winds happen and debris flies through the air, it puts a person at risk for the windows in the home shattering. It’s potentially hazardous for individuals and pets in the home. Not to mention, the price of replacing windows isn’t cheap, nor is it cheap to replace any damage done from water entering the home through the broken window or the damage the debris did. Homeowners should cover their windows with plywood or storm shutters. Residents should install straps onto the roof in order to secure the shingles. Reinforcing the garbage can protect the homeowner from paying the deductible in order to replace the door.

3. Get the Right Insurance
Whether a homeowner is living without homeowner’s insurance or doesn’t have adequate insurance, the devastation of an emergency can financially ruin a person. It’s possible that the individual may not even have a place to live for this reason. Instead of waiting for an incident to occur, a homeowner should plan in advance and get the right insurance.

To set up or adjust a policy or learn more about preparing for emergencies, homeowners should contact LG Insurance Group, serving Marietta and the surrounding, at 678-671-8480.

5 Helpful Fall Cleaning Checklist Tips

Fall is a magical time of year for a lot of people, as they bundle up for the dropping temperatures. Not everyone loves sweating as they walk from the car to their front door, and autumn provides relief for those who would prefer to be cool as a cucumber. Take these steps to make your home as ready for fall as you are. 

1. Insulate to Save 

Every year, people give their money away to energy companies for heat that they never end up using. Even tiny cracks can let a lot of air escape over the course of a season. Don’t let this happen to you when you can take a few precautions to save yourself the hassle. 

2. Dust and Mop 

And then, do it again. When you don’t have air coming in from the outside, it makes it far easier for the air inside to be stale. A very thorough fall cleaning can make you feel as though you’re ready to take on the winter in Marietta, GA. 

3. Store It Away 

Storage is a life saver for many during winter and summer, but sometimes homeowners don’t want to go through the effort of deciding what to store and what to keep. If you don’t think you’ll use an object for at least a month during the winter season, it might be time to put it away for a while. 

4. Clean the Gutters 

They won’t do well with the snow if they’re full of fall leaves. 

5. Check Your Insurance Policy 

LG Insurance Group serves Marietta, GA and knows what the snow can do to a home, so make sure your policy can protect you from the elements. Call us today to speak to agents who can help you navigate your policy.