Your Independent Agents For A Lifetime

Family-owned and operated and serving metro Atlanta since 1953!

  Home Auto Life  
  Business Health  

Use our SECURE site to get a quote on coverage for your home, health, auto & life.  We will NEVER sell or misuse your information.

How can I be sure that my information is secure when I submit a request for a quote through your website?

The SiteLock emblem you see on the pages used to submit your information for a quote means that your information is transmitted via SSL (Secure Socket Layer).  Technically speaking, it’s a method for securely transferring data via the Internet between two parties.

How does SSL work?

SSL establishes an encrypted connection between our website and your browser. It’s like a locked brief case that you use to send your personal information. Once you hit “submit” at the bottom of the form, the data travels in the locked case, to the server where our website is stored. The case can’t be unlocked while on the way, and can only be unlocked with a private key on our web server. Thus, the case with your data arrives safely at the other end!

How do I get the best rate on my auto insurance?

All auto insurance carriers are different in how they assess their auto rates.  Below are some general suggestions on how to make sure you get the most from your auto insurance at the best rates possible.


Shop around.  This is certainly intuitive, but many people don't take the time to call around to check on pricing.  If looking for a new policy, try at least three different carriers, preferably more.  Remember, you do not have to wait until your renewal to shop for insurance, and you can usually cancel your policy at any time during the term with written notice to your carrier.

2. Take advantage of all available discounts.
Make sure to tell us if you are retired.

If you are elderly, consider taking a safe driving course such as offered by AARP.

Young drivers may be eligible for discounts for good grades or defensive driving courses.

Safety discounts vary by state, but certain safety features in your car, such as anti-theft devices or automatic seat-belts may save you money.

Increase your deductible.  The more risk you assume, the lower your rates.


Check your credit.  Insurance companies use something called an "insurance score" to evaluate your credit worthiness.  Similar to your credit score, your insurance score puts more emphasis on your payment history than your overall debt.  Make sure you review your credit score regularly and correct any mistakes.  You can also access your "insurance score" at for a $12.95 fee.


Drive safely.  Ok, everyone knows this. Accidents and tickets may impact your rate.  Moving violations are considered more serious than parking violations.  An at fault accident, even if you did not receive a ticket, will still result in "points" on your insurance record.  Pass a school bus? Expect your rates to increase substantially.  Driving under the influence?  Expect your rates to increase exponentially, and you may also risk cancellation.  Some companies offer "accident forgiveness" which means they may charge you a bit higher rate from the beginning, but will not increase your rates after one accident.  Others offer accident free discounts, which will start your premium at a lower rate and then increase if you have an accident.


Pay your insurance premium in full.  This can be a substantial discount with some companies.  If you cannot pay in full, late payments will impact your rates.  Never let your coverage lapse.

My neighbor's tree fell in my yard and I have to pay? What's with that?

So your neighbor's tree fell into your yard.  Their insurance should pay to remove the tree and repair any damage to your home or auto, right?  Not so fast.  Unless their tree was dead or dying, presented an imminent visible hazard, and you notified them of such, then they are most likely not liable for any damage to your property or removal of the tree.

If you notice a dead or dying tree in your neighbor's yard, then your best bet is to notify them in writing of the potential hazard.  If they ignore your warning, then this circumstance could be proof of negligence and your damage may be covered by their homeowners insurance.  In order to expedite repairs to your damaged property, you may file a claim with your insurance company and they can collect for damages from your neighbor’s carrier.

What if I have hail damage?

Roofers knocking on your door claiming that you have hail damage and can get a new roof at absolutely no cost to you?  Are they telling you that your insurance will not increase because it was an act of nature?  Are they correct?  Possibly, but not always.  Some points to consider:


Hail damage will often be covered by your homeowners insurance but your rates may be impacted. If you have been loss free in your home, then you will often be receiving a claim free discount.  Once you file a claim you will lose this discount, often between 5-10%.


If your area has been impacted heavily by storm damage, then the insurance companies will ask for and often receive an overall increase in rates which will impact not only those with hail damage, but everyone in the area with homeowners insurance.


If your roof was old and leaking in the first place, the insurance adjuster may inspect your home and inform you that you must replace the entire roof at your expense within a certain time period because per your policy, you are required to maintain your home.

There are hundreds of legitimate roofers, some may not be.  Don't let the idea of a free roof guide you to make an unwise decision.  Call your insurance company first and have an adjuster look at your roof and verify the damage and how much they will pay.  Then, check your roofers’ credentials and client recommendations before proceeding.  Please do not proceed / pay for your new roof before you have checked with your insurance company first.

©King & Brim Insurance, Inc. 2010 Website designed & maintained by