What You Need to Know When Buying Motorcycle Insurance

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Whether you ride every day or only occasionally, getting a motorcycle insurance policy is necessary when you live in Winder, GA. Protecting yourself and your bike from financial loss and injury is easier than you think. Although buying motorcycle insurance is easy, understanding it may not be. Ransom & Associates Insurance Agency can help you understand what motorcycle insurance policies are all about.

Your Ride’s Value Affects Premiums

All motorcycles aren’t created equal. Higher-end bikes with more bells and whistles require a higher level of insurance to protect your investment adequately. Along with your bike’s value, its power can also affect the premiums. So do several other factors. These include:

  • Where you live, as some areas have more recorded claims
  • Your previous driving record
  • The type of coverage you select
  • Other insured riders

Requirements and Options

Similar to auto insurance, you must meet minimum state requirements when buying a motorcycle insurance policy. But beyond that, you should also consider add-ins that adequately protect you and your bike. You can add options that make your coverage more valuable, such as:

  • Trip interruption
  • Roadside assistance
  • Custom accessories coverage

When seeking motorcycle insurance, you don’t automatically get these coverages. You’ll need to specify what is important to you. However, various motorcycle options are easily accessible. You’ll want to ensure enough coverage to protect your investment when considering your options. Look over your declarations page to ensure you have sufficient limits for collision, comprehensive medical payments, and personal injury protection (PIP). You can customize your motorcycle insurance policy in ways similar to what you would expect for auto insurance.

Contact Ransom & Associates Insurance Agency, serving Winder, GA, to find the perfect motorcycle insurance policy for your needs and budget. We will gladly recommend a policy for you.

Four Great Reasons to Insure Your PWC

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Spending time on the water creates lasting memories with family and friends. However, the cost of purchasing and maintaining your jet skis, kayaks, inflatables, and paddleboards can be significant. There are many compelling reasons to insure your personal watercraft (PWC). At Ransom & Associates Insurance Agency in Winder, GA, we’re here to help you protect your PWC from theft and damage.

Legal Requirements for Your PWC

While it’s not legally required to insure your jet skis and other water toys, it’s sensible to protect them from theft and damage. Did you know that PWC insurance may also cover the replacement of your craft, depending on the coverage you choose?

Why You Should Consider PWC Insurance

Add theft protection to your insurance plan to protect your valuable jet ski, Sea-Doo, dinghy, or canoe against theft. This will provide peace of mind if someone takes your PWC without permission.

Damage coverage handles repair costs resulting from a storm, collision, or other covered event beyond your control. You can’t plan for every peril, but you can rest easy knowing your insurance provider has you covered.

You probably invested a lot of time and energy in choosing your PWC, and we hope you get to enjoy it for many years. However, if your jet ski or rowboat capsizes and you cannot recover it, replacement cost coverage ensures you’re not left stranded for long.

Invest in liability and personal injury coverage to cover property damage and injury affecting you or your passengers. This can protect you against financial loss as you recover from unforeseen events.

Is PWC Insurance Right for You?

Contact the Ransom & Associates Insurance Agency team in Winder, GA to speak with a knowledgeable agent. We would love to set up an appointment to discuss more reasons for insuring your PWC.

Tips for Showing Your Classic Car at an Auto Show

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Many classic auto owners in Winder, GA, showcase their vehicles at auto shows, protected by classic auto insurance from Ransom & Associates Insurance Agency. Instead of discussing insurance details today, this blog offers safety and showmanship tips for displaying a classic vehicle at an auto show.

Safety Comes First

Before driving your classic automobile to the auto show, please give it a thorough check, similar to what you’d do for your everyday vehicle before a road trip. Classic cars spend most of the year in storage, and owners agree to drive the vehicle for about 1,000 miles per year when purchasing classic car insurance. Therefore, it’s essential to inspect the vehicle fully before driving it. You might need to top up fluids like oil or coolant, which can evaporate over time.

Detail Your Vehicle

Auto shows are essentially beauty pageants for vehicles, so treat your classic car to a spa day before the show. Have it detailed inside and out, and ensure the detailer cleans the inside of the wheel wells and tires. After driving the vehicle to the show, you’ll need to dust off the tires and wheel wells again. Polish the chrome and any hood ornaments because details matter in auto shows.

Prepare Your Presentation

If you’re showcasing a restored vehicle for the first time, you’ll need to create an interactive presentation about your car or truck. Consider creating a custom sign for your vehicle, providing a copy of the owner’s manual, and perhaps a brochure or fact sheet on the car. Your sign should at least contain essential information, including:

  • Vehicle make and model
  • Year of manufacture
  • Your name.

It’s also helpful to include the story of the car, your purchase, and its restoration journey. Before participating in an auto show, attend one and pay close attention to the signs at each classic vehicle. This will give you an idea of what information to provide about your vehicle.

Practice Your Vehicle Pattern

When you show a classic car, you also present yourself. Most auto shows expect the vehicle owner to stand with the vehicle during show hours. As people approach your vehicle, including the auto show judges, they’ll ask questions about it that you’ll need to answer.

Advantages of Commercial Property and General Liability Insurance for Winder, GA Employers

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As a business owner or entrepreneur in Winder, GA, safeguarding your financial investments and protecting against potential risks is critical for ongoing success, even in unpredictable times. With commercial property and general liability insurance, you receive comprehensive protection for your operations, assets, and business entities as a whole. At Ransom & Associates Insurance Agency, we work closely with business owners throughout Winder to ensure adequate protection for all commercial ventures.

Commercial Insurance for Protecting Your Assets

A proper commercial insurance policy protects your business investments, from your commercial property to your inventory, equipment, and tools. It can also protect against weather-related damage to your business during a storm. A suitable commercial insurance policy covers the cost of repairs and/or replacement of specific equipment that may have been damaged or lost.

Combining Commercial and General Liability Insurance

Employers and business owners in Winder, GA, can benefit from combining general liability and commercial insurance policies. Together, the policies protect your corporate structure and financial stability anytime you encounter operational risks, disruptions, or even lawsuits involving a third party. Working with the right agency can help build a sustainable insurance policy encompassing all the risks that matter to you most.

Protecting your business assets, investments, and properties is essential anytime you’re an entrepreneur or investing in new ventures. At Ransom & Associates Insurance Agency, we specialize in assisting clients throughout Winder, GA, in finding commercial and general liability insurance policies that are right for their needs. If you need commercial property and/or general liability insurance for your business or venture in Winder, GA, contact Ransom & Associates Insurance Agency to schedule your quote and consultation today.

Is It Time to Upgrade Your Home Insurance Policy?

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When you’re a homeowner, protecting your home and property is essential. To do so, you’ll need to buy a home insurance policy. If you live in the Winder, GA, area and have questions about home insurance, our team at Ransom & Associates Insurance Agency can discuss a range of options for your home insurance policy. Our team has been providing insurance services for clients in your area since 2010.

Does Your Insurance Need an Upgrade?

If you already have home insurance, there are times you should upgrade your home insurance policy. According to Quoram FCU, if you are increasing the square footage of your home, call your insurance company. If your policy limit doesn’t reflect the larger size of your home, a disaster could leave you without enough funds to replace the damage. The same rule applies when you do a renovation, as the renovation can increase the value of your home.

Art lovers should contact their home insurance company after getting a new piece of art. You may be interested in learning that some home improvements can reduce the cost of your insurance premiums. For example, according to Quoram FCU, adding a security system that includes deadlocks or installing a fire alarm system can demonstrate additional security measures, possibly leading to lower premiums.

Call Us Today for Your Appointment

Whether you want to update your policy or you’re interested in information about our other lines of insurance, Ransom & Associates Insurance Agency is ready to help you protect your assets. Most mortgage holders must have a home insurance policy, and we can help you explore which options you need. Winder, GA residents can feel confident trusting our agency to provide their insurance needs. Call us for an appointment today, and let’s talk about insurance.

Getting a New Car? It’s Time to Update Your Auto Insurance

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At Ransom & Associates Insurance Agency, we know how exciting it can be to get a new car. We also know that you need to protect that car by updating your auto insurance policy. If you’re in the Winder, GA area, we’re here to help you adjust your policy to reflect your new vehicle, so you have the best level of protection from the very first day you own it. Whether you want to update the policy you have or consider a different one, getting in touch with us is the right choice.

Our trusted agents understand that there’s a lot to think about when you choose a new vehicle, and insurance might not be at the front of your mind. That’s why we’re here to make the process of updating your policy or changing to a new one easier and more convenient. We can provide you with quotes from multiple insurers, which will help you decide if you want to update the policy you have or choose a different one that better fits your needs and new vehicle.

We’re here to answer your questions and provide you with guidance so you feel confident in the policy you choose. Especially if you haven’t updated your policy in a while, getting a new car is a great time to go over everything with your agent and ensure that all your information is still accurate. With the right information, we can see if a different policy might be a better fit for your vehicle or the way you use it.

Contact us today at Ransom & Associates Insurance Agency if you’re in the Winder, GA area and looking for auto insurance for your new car. Whether you’re updating a current policy or getting a new one, we’ve got you covered.

Coverage For Your Motorhome’s Renovation Essentials

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Considerations for Updating Motorhome Insurance Policy Following Renovations in Winder, GA

Motorhome renovations not only provide ideal transport and living conditions when you’re traveling but also may necessitate changes to your existing motorhome insurance policy. In Winder, GA, our insurance agents can guide you through the process of updating your policy following renovations. The following information will illuminate the factors worth considering.

Structural Improvements

Structural modifications to your motorhome could increase the value of your RV. New materials can enhance the thermal envelope of your RV and provide better protection against wind and rain. Tracking structural improvements will aid in determining the appropriate amount of insurance coverage for your RV.

Use Value Enhancements

Renovations could enhance the use value of your motorhome by accommodating additional furnishings and improving visuals. These improvements may render your motorhome more attractive to potential buyers, especially if you plan to sell your RV in the future.

Mechanical Upgrades

Mechanical upgrades could make your RV safer to operate, so they should be noted in your insurance policy. Your existing motorhome insurance policy can cover the mechanical components used in upgrades. The value of each mechanical part should be considered to ensure that the coverage amount is appropriate for each upgrade.

Get Motorhome Insurance in Winder, GA

Our agents at Ransom & Associates Insurance Agency can guide you in choosing the right insurance products to protect your motorhome. Reach out to one of our agents at a time that suits you. They can schedule an appointment to discuss the renovations you’ve undertaken for your motorhome.

How To Evaluate And Update RV Insurance Coverage

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Essential Aspects of RV Insurance Coverage in Winder, GA

All RV owners understand the significance of consistent insurance coverage. Any lapse in coverage can increase premiums. Let’s cover the basics of RV insurance, and remember, it’s always a good idea to consult with a professional insurance agent for individual advice.

Shared Ownership

Shared ownership is an economical choice for families that do not live consistently in their RVs throughout the year. In this arrangement, more than one person owns and operates the RV, with co-owners typically sharing the cost of repairs and upkeep. Before entering into a co-ownership agreement, obtaining approval from your insurance company is crucial.

RV Modifications

Any alteration to recreational vehicles potentially impacts your insurance premiums. Depending on the nature of the upgrade, you might want to consider additional coverage for any potential damage. Since there’s a wide range of possible modifications, it’s advisable to speak with an agent at Ransom & Associates Insurance Agency when you make changes to your RV. They will guide you on how these alterations will affect your insurance coverage.

Off-Season Coverage

Many families love to use their recreational vehicles for summer camping trips but store them away during the rest of the year, including the harsh winter months. Maintaining your insurance coverage during these off-season times is vital to avoid lapses. However, you can often adjust your coverage for less coverage and lower premiums during these periods.

Contact Ransom & Associates Insurance Agency

Various factors can affect your RV insurance coverage in Winder, GA. It is vital to update your coverage regularly to ensure adequate coverage when needed. Professional agents at Ransom & Associates Insurance Agency are available to assist you in finding coverage that meets your needs. Contact us today to learn more about the different levels of coverage.

Five Motorcycle Insurance Trends You Should Be Aware Of

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Motorcycle insurance provides riders in Winder, GA coverage from accidents, injuries, theft, vandalism, and other perils. Understanding the current trends in the industry and choosing the right policy to ensure you have adequate coverage for a trendy bike or upgrade is essential. Ransom & Associates Insurance Agency provides insights on five motorcycle trends and how they can affect insurance policies.

1. Rising Interest in Electric Motorcycles

With environmental sustainability growing in popularity, more and more riding enthusiasts are investing in eco-friendly electric motorcycles. These clean-burning bikes reduce carbon emissions and could potentially impact your premiums.

2. Technology Equals Connectivity

The Internet of Things (IoT) is rapidly revolutionizing the motorcycle industry. This tech comprises a network of connected devices and features that can exchange, collect, and analyze data. IoT enables motorcycles to be safer, smarter, and highly efficient. It facilitates opportunities for personalization, innovation, and connectivity.

3. Advanced Safety Features

Advanced riding safety features are becoming more commonplace and effective. Manufacturers are equipping motorcycles with more sophisticated systems such as stability control and anti-lock brake systems. This could translate into potential insurance discounts.

4. Self-Driving Motorcycles

Similar to self-driving cars, motorcycle brands are beginning to offer bikes that drive themselves. While this technology is still in the developmental stages, autonomous driving motorcycles are gradually becoming a part of the industry. However, there’s currently no data on how this could impact insurance premiums.

5. 80s Styling Is Making a Comeback

The motorcycle market is seeing a resurgence in models with throwback retro body styling. While the café racer bodies remain popular, more buyers are interested in the Grand Prix racer look from the 80s.

Learn More About Insuring Trendy Motorcycle Features

Currently, trends change swiftly. Understanding how these trends can alter your insurance policy is important before proceeding. Depending on various features, special edition bikes could positively or negatively affect your premium rates. Learn more from our Ransom & Associates Insurance Agency team in Winder, GA.

Do I need boat/watercraft insurance to operate a boat in my state?

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Watercraft insurance isn’t required in every state. However, there are situations and circumstances when you’re required to carry it. A licensed insurance agent from Ransom & Associates Insurance Agency can ask the right questions to help you determine if watercraft insurance is a wise investment for you. Even though Georgia laws don’t require watercraft owners to invest in watercraft insurance, it may be needed to dock at certain marinas or if you have a boat or watercraft loan. Winder, GA watercraft owners can ask questions to get the necessary information and coverage. 

What is watercraft insurance?

Watercraft insurance protects uninsured watercraft owners if their watercraft is damaged. It also provides coverage for any property damage you may cause while operating your watercraft and any injuries you may cause to others. You may also be required to carry watercraft insurance if you’re financing your watercraft. Most lenders require insurance coverage until your watercraft is paid for in full. Your unique situation will determine whether watercraft insurance is a wise investment meant for you. We can help you explore your options. 

Do I need boat/watercraft insurance to operate a boat in my state?

Although Georgia doesn’t require watercraft owners to carry insurance, people who have a loan are usually required to carry insurance. Also, marinas may require you to have insurance to dock your boat. State laws aren’t the only determining factors when it comes to whether or not you need watercraft insurance. If you have more questions regarding watercraft insurance, we are happy to answer them. Call us. We’re standing by. We can answer all of your questions and help you get the coverage you need.