Beeler Insurance
144 N Main St, Cedartown, GA 30125
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144 N Main St, Cedartown, GA 30125
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11 Beeler Rd, Cedartown, GA 30125
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510 N Main St, Cedartown, GA 30125
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114 West Avenue, Suite B, Cedartown, GA 30125
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144 N Main St, Cedartown, GA 30125
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Cedartown residents.
Complete insurance guide for Cedartown, Georgia residents. Compare auto and home coverage options, find local agents, and save on premiums in Polk County.
Home InsuranceCedartown home insurance guide: tornado risk coverage, historic home protection, costs averaging $2,258/year. Get the right policy for your Polk County home.
Car InsuranceComplete guide to auto insurance in Cedartown, Georgia. Learn about GA's at-fault system, 25/50/25 minimums, average rates, and how to save money.
Georgia requires liability coverage of $25,000 per person for bodily injury, $50,000 per accident for total bodily injuries, and $25,000 per accident for property damage. While this meets legal requirements, many drivers choose higher limits since medical bills and repair costs often exceed these minimums. Your insurance company automatically reports your coverage to the state database for vehicle registration.
Yes, standard homeowners insurance policies in Georgia cover tornado and wind damage, which is important given the increasing frequency of severe weather in the region. However, flood damage is not covered by standard policies. If torrential rain causes water to enter your home from outside, you would need a separate flood insurance policy through the National Flood Insurance Program to be protected.
Cedartown residents pay about $54 per month for minimum liability coverage and around $140 for full coverage, which is below the Georgia state average. Your actual rate depends on your driving record, age, vehicle type, coverage limits, and credit score. Shopping with local agents who represent multiple carriers can help you find the most competitive rates for your situation.
While Cedartown doesn't face coastal hurricane surge, severe thunderstorms can produce flash flooding that damages homes. Whether you need flood insurance depends on your property's specific elevation and proximity to water sources. Talk to a local agent familiar with Polk County's flood risk areas to determine if your home is vulnerable and whether the relatively affordable NFIP premiums make sense for your situation.
Bundling your auto and home insurance with the same carrier typically saves 10-25% on both policies. Other common discounts include safe driver discounts, home security system credits, multi-vehicle discounts, and usage-based insurance programs that reward safe driving habits. Raising your deductible can also lower premiums, though make sure you can afford the higher out-of-pocket cost if you need to file a claim.
While Georgia doesn't require uninsured motorist coverage, every insurance company must offer it, and you typically must decline it in writing. This coverage protects you if you're hit by a driver with no insurance or insufficient coverage to pay for your injuries. Given that many Georgia drivers carry only minimum liability limits, adding uninsured motorist protection is a smart investment for peace of mind.
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