In 1830 Georgia businessman Roswell King passed by the land that is now Roswell, Georgia, and saw the potential for building a cotton mill close to the nearby cotton fields. Acting on that potential, King returned a few years later to begin a settlement that has now grown into one of the largest cities in the state. If you're looking for potential--the possibility of substantial savings on your homeowner's and automobile insurance premiums--try shopping around for Roswell insurance quotes.
Roswell Insurance Quotes: Understanding the Coverages
Before you can compare insurance policies and premiums you need to know exactly what coverages are offered and what is excluded.
Georgia law now requires insurance companies to provide uninsured motorists coverage on their automobile policies unless a vehicle owner specifically rejects the coverage in writing. This insurance will pay for medical treatment for injuries or property damage if you're in an accident with another driver who's not insured or who doesn't have enough insurance coverage.
The amount of premium you'll pay for your Roswell insurance for your automobile varies with the make and model of your car and the number of miles that you travel each year, and especially with your age, sex, and driving record. Comparison rates gathered by the Georgia Department of Insurance show that for similar coverages, a 40-year old married male with a good driving record who puts 12,000 miles on his car might expect to pay anywhere from $860 to $3,100 in premiums. That means a driver could save more than $180 a month by doing some comparison shopping.
Premiums for Roswell insurance for homeowner's also cover a wide range. For H0-3 (broad peril) coverage on a $250,000 frame home, a Fulton County resident could expect to pay anywhere from $493 to $2,900 in yearly premiums for a policy with a $250 deductible. Raise that deductible to $1,000, however, and the rates drop to a range of $355 to $2,300.
Those homeowner's policies do not cover water damage (from floods or sewer backups, for example) or damages from earth movement (such as sinkholes or earthquakes). If you want those additional coverages, be prepared to pay more.
Shopping around for Roswell Insurance Quotes
Comparing insurance policies and premiums used to have the potential of causing big headaches. How else can you describe driving all over town to agents' offices, filling out the same forms over and over again and waiting for all the companies to get back to you? Fortunately, today you can turn to NetQuote for the easy way to obtain your Roswell insurance quotes. Fill out one form online, submit it and you're on your way to receiving quotes from at least five of the leading insurers in the area. It's fast, efficient and easy--and you have the potential of gaining hours of free time to spend as you choose.