Atlanta GA

Insurance Agencies in Atlanta Georgia

Spanish-speaking insurance agents & agencies

  • Atlanta Car & Truck Insurance

    Cheap Car Insurance Atlanta

    Car and truck Insurance is composed of many coverage options and it can be confusing trying to decide what will give you the best coverage for the cheapest price.

    There are many insurance agents in Atlanta (who speak Spanish if required) who can help you make sense of your policy and ensure you receive all the discounts available to you.

    While state law only requires a minimum of liability insurance; it is strongly advised you consider purchasing full coverage; which generally includes liability, collision and comprehensive coverage.

    Here are some car insurance coverage options to familiarize yourself with:

    Bodily injury and property damage liability

    This option applies to injury or damage to another person or property in an accident you are at-fault for. It can also include damage to telephone poles, fences and other structures.

    Collision coverage

    This option covers the cost of damages to your car as the result of an accident.

    Comprehensive coverage

    The option covers any loss to your car resulting from theft, flood, fire and an accident involving an animal.

    Underinsured motorist coverage

    This option will reimburse you if you are in an accident with another person who is not insured or who does not have enough insurance to cover the cost of damages caused to your vehicle.

    Ways to acquire cheaper car insurance

    Insurance companies give discounts for a variety of reasons. Here are some examples:


    How to find car insurance after a suspended license in Atlanta

    If you already had insurance prior to your license being suspended, it will be important that you maintain that coverage as it will probably be a requirement before getting your license back.

    DUI Insurance

    And since most car insurance companies will not issue new coverage for someone with a suspended license, finding new insurance will be difficult.

    While loss of driving privileges can occur because of non-driving issues, in most cases its due to risky driving:


    Reinstatement and SR-22 Certificates

    Depending on the severity of your suspension, some drivers are required to carry an SR-22 form for a period of 3 to 5 years. An SR-22 Certificate is sometimes referred to as “DUI Insurance”, and functions as proof that you carry liability coverage and is an important part of the license reinstatement process.

    SR22 coverage is not cheap. There are many independent and licensed insurance brokers who specialize in SR-22 certificates and can assist you with detailed information regarding this.

    Small Business Insurance Needs

    If you already own a small business, or are looking to start one, it is important that you understand which types of business insurance coverage is required in the state of Georgia and why.

    Business Owners Policy (BOP)

    This type of coverage combines business property and business liability insurance together to provide coverage for claims that are the result of environmental disasters, property damage, or bodily injury.

    Types of Business Insurance

    It is often recommended if your business has any of the following scenarios:


    General Liability Insurance (GL)

    Often referred to as business liability insurance, General Liability provides coverage for potential claims due to injury, property damage, and injury related to advertising. For example:


    Workers’ Compensation Insurance

    Any business, with three or more employees (full time, part time or seasonal), are required by law to have workers' compensation insurance. This insurance will cover an employees’ lost wages from missed work, medical treatment, therapy, medication, and more if the worker became sick or injured while working.

    For example:


    Commercial Auto Insurance

    Commercial Auto

    Did you know that your personal car insurance will not cover repairs or injuries in an accident that involves your work vehicle?

    Businesses that provide their employees with a company-owned automobile or have certain types of employee-operated machinery are required to purchase commercial auto insurance. The cost for this coverage will vary depending on the type of business, the number of authorized drivers, and the type of vehicle.

    Atlanta Construction Bonds

    A surety bond is often required for public work projects, and even many private construction projects, and act as a financial guarantor that the contractor who has been selected will work legally and ethically in accordance with the terms established by the bond.

    There are three main types of construction bonds:

    Bid Bond

    For most major, public, construction projects, there are many contractors actively competing for the job. Each contractor will be required to submit a bid bond, along with their bid, which guarantees they will perform the work if selected.

    Performance Bond

    Once a contractor has been selected, the bid bond is replaced with a performance bond. A performance bond protects the owner of the project from financial loss should the contractor’s results be sub-par or defective or not in compliance with the terms agreed upon in the contract.

    Payment Bond

    Also called a “labor and material payment bond”; it provides a guarantee that the chosen contractor will compensate all subcontractors, hired workers and material suppliers with payments according to the terms of the contract.

    Additional Insurance options for Small Businesses:


    Is Home Insurance Required by Law in Atlanta?

    Home Insurance

    No. While it’s not required by law, mortgage lenders will often require you to purchase a homeowners insurance policy to ensure your home is protected against financial loss due to environmental threats and other named perils.

    Homeowners insurance typically helps cover:

    Dwelling Coverage

    At the base of a home insurance policy is “dwelling coverage”, which covers the structure (foundation, walls, roof, etc) of your home.

    Other Structures Protection

    This protection applies to structures on your property, not attached to your home, like fencing, detached garages, swimming pools and sheds.

    Personal Property Protection

    This protection applies to the personal belongings inside your homes, such as laptops, smart TVs, art, antiques, furniture, jewelry, etc in the event of fire or theft.

    Liability Protection

    This protection will cover the medical expenses and potential lawsuit if someone, not living in your home, becomes injured while on your property.

    What does homeowners insurance cost in Atlanta?

    Homeowners can expect pay, on average, $2500 annually for $300,000 in dwelling coverage with a $1000 deductible and $300,000 for liability coverage.

    The cost of insurance is set by the insurance company and can vary from company to company. The rate you pay depends on a number of factors, including:


    If you are unsure of what kind of coverage your current home insurance policy offers, or if you are taking advantage of all available discounts; you can certainly contact a licensed insurance agent. He or she can evaluate your current insurance and give you free home insurance quotes and help save you money.

    Does home insurance cover flooding in Atlanta?

    No. A standard home insurance policy will not cover damage to your home caused by flooding or named storms. Residents of Fulton County can buy a supplemental flood insurance policy to ensure your home is fully protected.

    Health Insurance and Medicare Coverage

    Medical Insurance

    Access to health insurance has become a lot easier for Georgia residents through the HealthCare Exchange, however, there are many situations in which it benefits an individual to seek health insurance coverage through a private insurance broker.

    An independent insurance broker is licensed to sell health coverage through a private company for:



Get a Quote