CHERYL'S TAX SHACK & INSURANCE ... Call: (706) 778-6847

Low Cost Auto Insurance in Clarkesville, GA

Auto Insurance to fit your budget and needs

​Our agency is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.

Car insurance exclusions are provisions written in the insurance contract. They exclude coverage for a particular driver or event. You should carefully check the Exclusions section in your policy.
The most common car insurance exclusions include:

• Excluding a certain driver. The insurer may exclude a high-risk driver in the client's household. This will save the policyholder some money. Once excluded, that person should not drive the covered car. Otherwise, if the excluded driver causes an accident while uninsured, the policyholder may face several penalties, including fines, the chance of being dropped by the insurer and denial of all claims.
• Damaging the car on purpose. Intentionally damaging the car is another typical exclusion. Companies will investigate the cause of the damage before resolving any claim. If the damage was caused on purpose, the claim will be rejected and the policyholder can be even accused of fraud attempt.
• Using a personal car for commercial purposes. Many insurance companies will not cover an accident if the vehicle was used to deliver goods or materials at the moment of the accident. For any commercial use, the policyholder must purchase commercial car insurance.
• Custom equipment. In order to cover custom parts and equipment, the client must purchase an endorsement. Furthermore, some companies may not agree with customizing a car beyond certain limits and will drop coverage. Make sure to talk to one of our insurance representatives about covering your custom equipment.

​Don’t exchange personal information following an auto accident?
You generally only need give the other driver your name and information (name & phone number of your insurance company).

• Would you give a stranger your driver’s license number?
• Would you let a stranger photograph your driver’s license?
• Would you give a stranger your home address?
• Would you give a stranger your home phone number?
• Did you know that some accidents are staged just to steal your personal information?

Take steps to protect yourself, your property and your identity
National Association of Insurance Commissioners (NAIC) has developed a mobile application – “Wreck-Check” to help you take the guesswork out of what information to share. It’s free and available for both iPhone & Android smartphones. 
WreckCheck App for Smartphones
In the course of your lifetime, an auto accident is bound to happen. When it does, take some of the guesswork out of a tense situation with the NAIC's WreckCheck™. This free mobile app for iPhone® and Android® smartphones outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report.
Don't have a smartphone? Download a printable accident checklist and other tips for staying calm, safe and smart on the road.

​We love helping Uninsured Drivers get legal.
Has your auto insurance been cancelled for non-payment?
Have you had too many tickets or accidents?
We love helping Uninsured Drivers get legal.
Our companies do not penalize you for not having insurance.
We have companies that specialize in offering affordable auto insurance for any vehicle, any driver, any age.
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
Call us at your convenience and let us see how much money we can save you on your insurance.

You Fell Asleep Behind the Wheel – Will Auto Insurance Cover Your Losses?
Falling asleep behind the wheel of a car is a very serious risk. In some situations, it can lead to wrecks, significant damage or even the death of another person. Most often, your auto insurance covers the damage you cause to other people. Yet, there are some limits. Why you fell asleep could be a key factor in determining if the policy pays out.
Why Did You Fall Asleep?
Was it just a long day at work and you dozed off? Were you drinking and driving? Or, perhaps you have a medical condition such as narcolepsy that causes you to fall asleep often. In all situations, your insurer wants to know why you fell asleep at the wheel.
In most situations, the policy’s liability insurance covers losses to another person’s belongings. For example, it may cover damage to another driver’s car if you hit that driver after falling asleep. It may also pay for your damage if the incident was accidental, and you could not avoid it.
Talk to our Agency About Your Health
When you obtain auto insurance, your agent asks you about any reasons that you may be a high-risk driver. If you have a medical condition that may cause you to fall asleep behind the wheel, be sure to tell the agent. In some cases, your car insurance policy is void if you fail to disclose this type of information. Insurance companies need to know if you have any condition that makes you a high-risk driver. This may include narcolepsy but also conditions like sleep apnea.
It Was Just an Accident
In some situations, an incident like this occurs as a result of an accident. You just did not sleep well. You worked long hours. You just doze off. When this occurs, your policy is still likely to provide coverage to you. However, if you were driving under the influence, your insurance likely won't cover the damage. If you received a ticket for reckless driving, your insurance company may not pay out. In other words, you could have prevented this accident had you acted responsibly.
The key is to be sure you have the right amount of auto insurance in place. And, let our agency know about any risk factors that apply to you. This can help ensure your car insurance remains in place even if you do have an incident like this.

​Do You Car Pool?
Liability Insurance Exclusion
Drivers involved in car pools and other group arrangements may wonder if the situation is covered under their auto policy. This concern is valid as many auto policies have restrictions.
Typically, liability coverage under personal automobile policies does not apply to "…liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance." (A public conveyance is a vehicle used indiscriminately in transporting the public without being limited to certain persons or occasions. A livery vehicle is one that is offered for rental).
There is slight variation in language among policies issued by various insurers, but the intent is the same: to exclude the use of a personal auto for transporting people or property for income. However, this exclusion does not affect coverage for car pool, driver group, and share-the-ride arrangements.
​Feel free to call our office today. Most transactions such as quotes, binding and payments can be handled from the comfort of your home.

​​Advertisements for cheap car insurance seem to be everywhere. Is this good enough for you?
​It is a misconception that all auto insurance policies are the same. For some people, the least expensive policy is good enough. However, it is best to customize the policy to meet the specific needs of your vehicle and your lifestyle. How do you know what is too cheap and what is just right for you then?
What Your Policy Needs to Do for You
When choosing car insurance, there are a few key things to look for to determine if it is the right one for your needs. Put price aside for a moment. Only after you consider coverage, then you can compare providers to determine which offers the best price for that amount of protection. Here are a few things to consider.
Do You Have a Loan or Are You Leasing the Car?
Those who have a lease or loan on their vehicle may have a requirement from the title holder to carry full coverage. This generally includes:

• Comprehensive coverage
• Collision insurance
• Liability insurance
• Underinsured and uninsured coverage

These policies protect the value of the car. This is the value the title holder cares about. They don't want to lose their investment in your vehicle, after all.
Does the Vehicle Have Value?
​If you do not have a loan or lease, consider the value of the car. If the car was not possible to repair in an accident, could you easily replace it? If it would cause financial hardship for you to lose the car like this, it may be worth considering collision insurance and comprehensive coverage. Collision insurance covers damage to your car if you hit something. Comprehensive covers the vehicle from losses such as fire and theft.
How Much Liability Insurance Do You Need?
​One of the ways some companies offer very low-cost auto insurance is by providing you with just the state minimum requirement. However, this is a big risk. A simple accident can cause significantly more damage than this basic policy can cover. In an accident, the lowest car insurance may not cover all of the losses you need it to. This means you may have to pay out of pocket for it.
​
Is cheap car insurance a good thing? It can be if you do not have a lot of value in the vehicle. However, a customized auto insurance policy is best. Work with one of our agents to obtain one.

​How do I know that I’m getting a great deal on insurance?
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you. Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
Is it better to keep my auto insurance with the same company as my homeowners policy?
Some companies offer discounts when you have automobile and homeowner's with them. The company may cover house, auto, boat, etc., under one policy. However, there may be situations where you can save money by spreading your coverage among several companies. It is your choice. Our agency will shop carefully for all of your insurance needs.
Other than my driving record and type of car, what other factors do insurance companies use to determine my premiums? Do all insurance companies look at the same things?
Most insurance companies look at driving records, type of car, use of vehicle, location of vehicle, and age of driver.
What happens if I am in an accident with someone who doesn't have coverage, and the other driver is at fault?
To protect yourself in the event you have an accident with one of these illegal motorists, you can purchase uninsured motorists coverage. You will be paid for damages just as if the other driver was covered.