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Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
- Bundle auto and property insurance: Average savings vary
- Distant student discount: Average savings vary
- Continuous insurance: Average savings vary
- Good student discount: Average savings: 10%
- Multi-car: Average savings: 12%
- Paperless: Average savings vary
- Automatic payment: Average savings vary
- Pay in full: Average savings vary
More ways to save on car insurance
- Avoid tickets and accidents: safe driving = extra savings. If you've had no tickets or accidents in the past three years, your policy price could average 34% less than customers who have accidents or violations.
Generally, the younger you are, the lower your rate will be, so getting life insurance in your 20s often gets you the best rate. But healthy people often qualify for affordable policies even when they're older. Learn more about the ideal time to get life insurance.
There are two main life insurance categories: term and index universal. A term life policy is more affordable because it has an end date, with term lengths usually ranging from 10 to 30 years. Permanent life insurance lasts for your entire lifetime, no matter when you buy it. If you're considering permanent life insurance, you have several options: whole life policy, index universal, and final expenses policy
Explore the different types of life insurance to see which fits your unique needs.
If you have comprehensive and collision coverage, certain cars are often cheaper to insure because they would cost less to repair or replace if they were damaged in an accident. They may also be cheaper to insure because they tend to cause less costly damage to other drivers.
Because they're worth less, some older cars are often to cheaper to insure with comprehensive and collision than brand new vehicles, especially if the older car has higher safety ratings. In general, though, manufacturers are adding safety technologies in new cars that make them safer to drive, and potentially cheaper to insure with liability coverage, than older cars.
However, your car's make and model is only one of the many factors that determine your car insurance rate. Your premium will also be determined by your location, age, discounts, driving history, and more.
The least expensive cars to insure are typically those with fewer and less costly claims. The cheapest midsize sedan, SUV, or small truck to insure might include the Subaru Legacy, Subaru Ascent, and Toyota Tacoma xtra cab. These cars are included on IIHS-HLDI's bodily injury claim frequency data for 2019-2021 models, meaning they may be less risky and therefore less expensive to insure. That said, car insurance rates can vary by model based on a variety of factors, including safety features, the cost to repair the vehicle, and the cost of the vehicle itself. Your insurance rate is also determined by your age, driving history, coverage selections, and other factors besides the type of vehicle you own.
A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.
When speaking with your agent to set up your policy, any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage.
Homeowners, condo, and renters insurance may cover damage from fire to your home and belongings, up to the limits of your policy and minus any deductible. Note that fire damage to your car and other motor vehicles is covered under comprehensive coverage on your motor vehicle policy.
Homeowners, renters, and condo policies generally cover theft, vandalism, and weather-related damage to your belongings while you're moving. The same coverage typically applies to personal property that you keep in a storage unit. However, whether you hire movers or move on your own, your policy normally won't cover damage to items from other mishaps while packing or in transit, such as dropping a lamp or damaging a television while carrying it down a stairwell. Your moving company will offer some liability protection at no cost and additional coverage for an added cost in certain states.
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Fill out the form with any questions you have about finding the coverage that's right for you. We do not share, sell, or rent personal information with any third parties/affiliates.
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PAZ INSURANCE AGENCY
Hours
Monday - Friday: 9am - 6pm
Saturday: 10am - 2pm
Sunday: Closed
Privacy Policy
Paz Insurance Agency Privacy Policy
Paz Insurance Agency is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it. We may collect and process the following types of information:
- Personal Identification Information: Name, address, email address, phone number, date of birth, social security number, and other identifying information.
- Financial Information: Bank account details, payment card information, and other financial data necessary for processing transactions.
- Health Information: Relevant medical history and current health status, where applicable, to provide appropriate insurance services.
- Technical Data: IP address, browser type, operating system, and other technical details when you visit our website.
- Usage Data: Information about how you use our website and services.
We collect information in the following ways:
- Direct Interactions: When you fill out forms, contact us, or use our services.
- Automated Technologies: Through cookies and similar tracking technologies when you interact with our website.
- Third Parties: From other insurance companies, medical professionals, and other entities involved in the insurance process.
We use the information we collect for the following purposes:
- Provision of Services: To provide, manage, and improve our insurance services.
- Customer Support: To respond to your inquiries and provide customer support.
- Processing Transactions: To process payments and manage billing.
- Marketing: To send you promotional materials and updates about our services, where you have consented to receive such information.
- Compliance: To comply with legal obligations and protect our legal rights.
We implement a variety of security measures to ensure the safety of your personal information:
- Encryption: Data transmitted over the internet is encrypted using SSL technology.
- Access Controls: Only authorized personnel have access to your personal information.
- Data Storage: Personal data is stored in secure environments protected from unauthorized access, use, or disclosure.
We may share your information in the following circumstances:
- Service Providers: With third-party service providers who assist us in operating our business and providing our services.
- Legal Requirements: If required by law or to respond to legal processes.
- Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets.
You have certain rights regarding your personal data, including:
- Access: The right to request a copy of the personal data we hold about you.
- Correction: The right to request correction of inaccurate or incomplete data.
- Deletion: The right to request the deletion of your personal data, subject to certain exceptions.
- Objection: The right to object to the processing of your data for certain purposes.
- Data Portability: The right to request the transfer of your data to another service provider.
"SMS Consent or phone numbers are not shared for the purpose of SMS with third parties or affiliates."
To exercise these rights, please contact us using the information provided below. If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Paz Insurance Agency
4988 W BROAD ST SUITE 106 SUGAR HILL, GA 30518
Claybette@pazinsurance.com
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