Amy Gardner Insurance

Dear Customers, We are closely monitoring how COVID-19 is impacting daily lives. Our office is still operating under normal conditions. However, we do ask that if you have a fever or cough that you consider calling our office number for assistance. Many of our companies also offer online payment options. If you have questions about making an online payment contact us or the company.... Thank you to all our customers for your continued support. We are praying for your health and safety. Amy Gardner Insurance 43 N. Oak Street Baxley, Georgia 31513 912-367-3932

Amy Gardner Insurance represents some of the top-rated companies in the insurance industry in order to give our customers the very best coverage at great rates. See Amy today for a free quote.

Happy New Year! Amy Gardner Insurance will be closed on Wednesday, January 1, 2020 for the holiday. We will reopen on Thursday, January 2, 2020 at 8:30 a.m. We hope you have a safe and happy New Year!

We hope everyone has a Happy Thanksgiving!We hope everyone has a Happy Thanksgiving!

REDUCE DISTRACTIONS BEHIND THE WHEEL Despite the fact that automobiles are now designed with more safety features than ever before, the rate of traffic accidents and fatalities continue to rise. The National Safety Council says safety improvement like crash-avoidance technology hasn't reduced accidents, and driver error is still to blame for many crashes - with distractions behind the wheel and impaired driving leading the way. The National Highway Traffic Safety Administrati...on says distracted driving claimed 3,450 lives in 2016 alone. Distracted driving is defined as any activity that diverts drivers' attention from the road. This can include everything from talking to passengers to eating to fiddling with the car radio. However, distractions from technology have become especially alarming, particularly texting or reading phones while driving. During daylight hours, approximately 481,000 drivers typically use cell phones while driving. The NHTSA says that removing one's eyes from the road for a mere 5 seconds when traveling at 55 miles per hour is like driving the length of a football field with your eyes closed. Reducing distractions should be a priority for all drivers. Here are some suggestions, courtesy of Amy Gardner Insurance: Store loose gear and other items that can roll around away from the driver's seat so you are not tempted to reach for them. Adjust mirrors, GPS maps, climate controls, music, and more before you put the car in drive. Do not use your cell phone. Georgia's Hands-Free Law took effect July 1, 2018. Drivers cannot have a phone in their hand or touching any part of their body while talking on their phone while driving. Limit the number of passengers you allow inside your car. The more passengers, the more distractions. This is especially true for young drivers. Eat food before getting in the car. Snacking while driving makes you less attentive to the road around you. Secure children and pets accordingly. Both should wear harnesses and not be given free reign to roam around the car. Try to focus only on driving while in the car. Leave the multitasking to when you're not behind the wheel. Amy Gardner Insurance adds that studies have shown people are limited in the amount of information they can process at any one time. Driving requires focus and an ability to react to a host of potential circumstances. Distractions compromise drivers' ability to focus. Reducing distractions can considerably cut down on the number of motor vehicle accidents each year. Do you have the correct automobile coverage? Are your limits too low? Contact Amy Gardner Insurance today for a no cost review of your coverage.

Glory to God in the highest, and on earth peace, good will toward men. - Luke 2:14 We wish you joy, peace and love this Christmas. Our office will close on Christmas eve at 12:00 p.m. and be closed December 25 & 26. We will reopen Thursday, Dec. 27 at 8:30 a.m.

THANKSGIVING: A TIME TO SHARE OUR GRATITUDE... As we welcome another Thanksgiving,we welcome the opportunity to thank our customers and good friends for your support and trust in us. We hope you have a safe and happy Thanksgiving. Amy Gardner Insurance will be closed on Thursday and Friday, November 22nd and 23rd for the Thanksgiving holiday. We will reopen Monday, November 26th at 8:30 a.m.

WHY BUY LIFE INSURANCE? Facing one's mortality and the prospect of leaving family members behind is not always easy. Death, financial security and planning for the future are all difficult subjects, but planning ahead can make matters much easier in the long run. Life insurance needs frequently come up when making plans, and many people find that purchasing a life insurance policy is a worthwhile investment. Life insurance holds an important place in overall financial plannin...g. One of the most apparent benefits of life insurance is that it will provide a considerable sum of cash upon the insured's death, which can be put toward the cost of funeral arrangements, housing and dependent care. Beyond end-of-life bills and care, life insurance can offer other advantages. Life insurance can provide a family with a financial safety net. When a beneficiary is named, life insurance can serve as an inheritance for that person or people. Heirs may face estate taxes after a loved one dies, and life insurance benefits may help offset all or a portion of the costs. There may be benefits to life insurance while a person is living as well. Depending on the policy, life insurance can be borrowed against to pay off debt, buy a house or live off of dividends from the life insurance investment. This can provide a source of supplemental retirement income. Business owners also can use life insurance policies to their advantage. Including life insurance with the list of other benefits offered to prospective employees can entice top-notch candidates. Sole proprietors may use life insurance as a business continuation plan so that insurance proceeds can keep the business in the black until it is sold or a replacement owner is found. Shopping for life insurance requires careful research and an understanding of the products available. Consumers should have a thorough understanding of term and whole life policies, what premiums will cost, what the death benefit will pay, and if there are any living benefits. For example, living benefits may cover some costs for chronically or terminally ill people. Working with an experienced life insurance advisor, like Amy Gardner, can help people navigate the types of policies available to them. Is your family protected? Call or stop by and see Amy Gardner for a free life insurance quote. AMY GARDNER INSURANCE 43 NORTH OAK STREET BAXLEY, GEORGIA 31513 912-367-3932

THE BENEFITS OF UMBRELLA INSURANCE Umbrella insurance offers an excess of liability coverage in the event of lawsuits. Insurance policies come in various forms. There is a type of insurance to cover everything from motor vehicles to personal health to apartment dwellings. While the majority of people understand the importance of insuring their homes and cars, many may not explore the benefits of a different type of insurance: umbrella coverage.... Unlike other types of insurance that only offer one specific coverage, umbrella insurance is a single policy that covers various aspects of a person's life. An umbrella policy can fill in the gaps where liability limits come into play with other insurance policies, keeping a person protected regardless of deductibles and other assets. Umbrella insurance is a type of liability insurance. Its main purpose is to protect policy holders in the event of lawsuits. The umbrella policy will provide additional coverage against bodily injury liability claims and property damage liability claims. These policies also provide broader forms of coverage and can help cover some legal fees, if necessary. Trusted agents, like Amy Gardner Insurance, believe umbrella insurance is important because it can prevent financial ruin in the case of an accident. The amount of umbrella coverage a person may need depends on how much that person is worth. Prospective policy holders can calculate their total assets and then take out policies in that amount or more to protect their net worth. Depending on the insurance company, umbrella policies range anywhere from $1 to $10 million. Coverage typically starts in the range of $150 to $200 for a $1 million policy. What's more, some insurance companies will not issue an umbrella policy unless the insured already has an automotive or home policy with them - and one that maintains the standard amount of liability in those other policies. When reviewing umbrella policies, it's also wise to think ahead to future income and how one's assets may grow. Adjust policies to account for inferred earnings or other expected assets. Learn more about umbrella policies that can offer above-and-beyond protection by speaking with Amy Gardner Insurance today.