While developing long term relationships built on trust, integrity, and service, I strive to provide excellent insurance, financial advice, and great customer service. I help individuals and business owners build a comprehensive plan that helps enable them to protect their wealth over their lifetime.
We have 3 professional, fully licensed agents who want to help individuals and families with all of their insurance needs. We are local and do not believe in 1-800 numbers. All of our clients are able to reach Brian at any time of the day as our office phone messages roll right to his cell phone.
If you would like to visit in person and have a cup of coffee, we are located in Buford Village. We are proud to support our local community and sponsor several athletic teams and community groups.
Licenses / Credentials:
• Property & Casualty License Life
• Health License Series 6
• Seris 63
• Notary
Buford Auto Insurance: Staying Insured in Tough Times
In these tough economic times, everyone's looking for ways to cutback. Many of us can find ways to save a few dollars here and there, but cutting out auto insurance shouldn’t even be considered. Cutting back on auto insurance may seem like a quick solution, but it's really just a short term gain that could end up costing you big time. What if you're in an accident and have no coverage for medical expenses? Never cancel your policy or let it lapse without contacting your Buford auto insurance agent first.
Your auto insurance policy is there to protect you in the case of an accident. It helps to cover your expenses, should you be injured or need repairs on your vehicle after an accident. Your insurance can provide protection in the case of a lawsuit, if you are found liable for a vehicle accident. Clearly cutting back on your auto insurance, even if it means a short term savings, is not an option. If you drive, auto insurance is a necessity. More importantly, it’s the law. Contact your auto insurance company to discuss practical ways to save money on your insurance rates.
Buford Auto Insurance: How Much Coverage Do You Need?
Maybe it’s time to go over your policy with a reputable Buford auto insurance company if a tight budget has you rethinking your expenses. There are a few things you can do to make sure you and your family are adequately covered and still get reasonable rates on your auto coverage. Keep in mind that every person’s circumstances are different, and what might be right for someone else’s coverage might not work for you. You can weigh your options, and maybe find some savings, if you take the time to go over your policy with your Buford auto insurance carrier.
The first thing you need to do is determine how much auto coverage you actually need. The law requires you to carry specific minimums. You must maintain bodily injury and property damage coverage, but the required minimums on these are not enough to offer real protection. If you are found to be at fault for an accident and the other party’s damages or injuries exceeds your coverage, a potential lawsuit could put your home and personal possessions at risk. The Buford auto insurance agent can advise you on exactly how much coverage you need.
Buford Auto Insurance: Finding the Savings
Once you and your Buford auto insurance agent have determined what coverage you should carry, you can then look at some of the optional things you may not need. Do you have car rental coverage? If your policy coverage includes the cost of a rental car, it can add to the cost of your insurance. Again, this will depend on your particular needs. If you can do without a rental vehicle, you could save on the cost of your premiums by eliminating it. Ask your Buford auto insurance agent what things you can drop from your coverage and still be adequately insured.
What kind of car do you drive? You might be able to drop your collision coverage if you have an older vehicle. If your car is only worth a few hundred dollars, it could be costing you more in yearly insurance rates than the total value of your car. Plus, older vehicles are usually less expensive to repair. Keep in mind this is only for the collision portion of your policy. No matter the year of your vehicle, you still need to have the basic required coverage. A qualified Buford auto insurance company can help you crunch the numbers on the age and value of your particular vehicle to see if you can save some money.
Talk with your Buford auto insurance carrier about the possibility of a high deductible. The deductible is the part of the repair expenses that you will have to pay up front before your insurance carrier will cover the remainder of the damages. Probably the easiest way to save on your auto insurance is to take a higher deductible. Increasing your deductible can save you quite a bit of money every year. But you will need to make certain you’ll be able to afford the higher deductible if you should ever need to make a claim.
Your Buford Auto Insurance Agent: Helping to Keep You Insured
Another possible way to find some substantial savings on auto insurance is to find out if there are any discounts available from your Buford auto insurance carrier. Ask about a discount if you purchase more than one type of insurance from the same company. Why not get all your policies from one place and save some money while you’re doing it? A good example of this is buying your homeowners’ or renters’ insurance from the same company that handles your auto insurance. Ask your Buford auto insurance agent about this option.
There are a number of other discounts that may be available from your Buford auto insurance company. Are you an infrequent driver? Ask about discounts if you’re a low-mileage driver. Less time on the road means there's less risk of an accident. Are you over 55 years old? Ask about senior driver discounts. Older drivers are usually considered to be safer drivers. Sign up for a driving safety course. These refresher courses not only help improve your driving skills. but can save you some money as well. Talk with your Buford auto insurance carrier about the discounts they may offer.
Don’t let financial difficulties make you do without the necessities. If you drive, you need auto insurance. The risk of driving without it can greatly overshadow any money you think you might be saving. Discuss your situation with a qualified Buford auto insurance agent. He’s there to help you find affordable solutions. Remember that every driver’s circumstances are different, but there are things you can do. If you’re feeling the pinch of these hard economic times, talk with your Buford auto insurance carrier. It’s possible he or she can help you improve your auto insurance coverage and save a little cash in the process.