Insurance

Three Skills You Can Use As Insurance Against The Possible Loss Of Employment In The Future





With issues such as rising unemployment and an uncertain financial future, there are many people who are looking for ways to earn an extra income. There are a number of skills that most people can gain, and which can rapidly increase their employment opportunities.

Statistics On Car Theft – The Worst States & Worst Cities For Stolen Vehicles

Let’s begin with some general car theft statistics to make everyone sweat.

Did you know…

  • A car is stolen every 43 seconds.
  • Car theft costs Americans a total of $4.3 billion each year.
  • Near 3/4 of a million cars are stolen every year.

Are you trying hard to remember if you locked your car or not? Go check, we will still be here when you come back.

The Top Cities For Car Theft

Take a sigh of relief east coast. Finally, the south doesn’t ranking highly for a negative statistic! The south may have a hold on obesity and poor education, but they certainly are not as badly ranked as California in regards to amount of car theft, holding 7 of the top 10 highest ranked cities.

Most cities that are ranked highly are thought to hold their positions because of access to shipping means and ability to conveniently move the vehicles across the Mexican border.

Worst Cities For Car Theft

  1. Fresno, California
  2. Modesto, California
  3. Bakersfield-Delano, California
  4. Spokane, Washington
  5. Vallejo-Fairfield, California
  6. Sacramento, California
  7. Stockton, California
  8. Visalia-Porterville, California
  9. San Francisco-Oakland, California
  10. Yakima, Washington

Everything changes when we look at states.

The Top States For Car Theft

The states listed are spread all across the country and we struggle to find a common link between the states and reasoning for the specific crime activity.

The study suggested the city’s car-buying habits and most commonly stolen cars were directly linked when studying the top states of vehicle theft. Examples of city car-buyer habits would include Detroit and Chicago cars stolen are typically American vehicles; pickups are popular in Albuquerque, Phoenix and Houston; and Japanese models lead the most commonly stolen list in Los Angeles.

Worst States For Car Theft

  1. California
  2. Texas
  3. Florida
  4. Georgia
  5. Illinois
  6. Michigan
  7. Washington
  8. Arizona
  9. Ohio
  10. New York

To share another interesting bit of knowledge, Vermont was ranked the state with least amount of car theft.

Good Tips To Protect Yourself From Car Theft

The most common mistakes leading to car theft are very easy to correct and just take the willingness to adopt some new habits. Our Georgia insurance company recommendations to protect yourself:

  • Be aware of times of highest risk – Fortunately our readers already know the two months with greatest amount of car theft.
  • Do not reveal any signs of valuables in your car. – Keep all of the following items out of sight – purses, GPS (Even the sticky residue left on the glass from a GPS can create suspicion it maybe in a glove box), and all other valuables in your car.
  • Park in well lit areas – Making it has hard as possible for car thieves by parking in areas of high traffic and that are well lit greatly prevent your risk of having your car stolen.

Southern States Insurance believes it is in your benefit to never preload your GPS with your home address, or at least to not label it “Home”. This gives the car theft direct access to your address and likely your garage door frequency and possibly house keys on your key rings. The simple effort of disguising your home with another name could prevent further loss.

Vehicle theft is down more than 3% in 2011 from the year before. Together we can continue to lower the amount of theft by adopting these habits and understanding what and where makes you most at risk to experience car theft.

Does Your Insurance Cover You Against Car Theft?

Your car insurance covers theft if you have comprehensive auto coverage. If you are not sure if you have the needed car insurance coverage, any of our insurance agents will gladly help you understand your policy and answer any of your questions. Our independent insurance agents can help you be sure you understand your coverage and provide professional insurance advice.

Contact Southern States Insurance for a free quote on your car insurance policy and discuss if your current auto insurance policy provides protection against theft or other risks you face.

The information comes from two sources – the National Insurance Crime Bureau (NICB) and the LoJack Corporation.

The Insurance Industry Puts Safety To The Test & Analyses Ways To Mitigate Risks!


To put it simply from the words of Jim Schubert, President of Southern States Insurance, “We work to help people when bad things happen and before bad things happen.” He was explaining his job to his son and of course children’s terms need to be much more simplistic than all that is involved of our jobs as insurance agents.

Let’s focus on the last part of his explanation though, “BEFORE” bad things happen.

Some insurers research labs have recently worked on numerous ways to minimize risks. Researchers pour out their efforts to better understand how to reduce risk exposure for everyday situations and high risk environments.

We could make a full post with descriptive imagery to paint a picture of their research or show you a really cool video that does it much better.

We choose to show you this cool video on risk research.



Although, we do not have the luxury to do such extensive research, we work hard at Southern States Insurance to provide informative insurance blogs on ways to save and minimize risks.

Many of these scientific experiments are entertaining to watch. The efforts expended at the labs have an unquestionably serious purpose: to develop innovative ways to prevent losses and save the money—and lives—of policyholders. Our Georgia insurance agency is thankful for all of the research at the insurance labs of Chubb, FM Global and Liberty Mutual and countless others. The efforts in research multiply in ways we can work to protect our lives and those we love. We will pass along everything we learn to keep you and your family safe.

Southern States Insurance Grants Scholarships To Clients’ Graduating Students


About Southern States Insurance Company

We are an independent insurance agency working to meet our communities’ insurance needs. We write business, home, car, and life insurance policies to help our clients succeed.

Southern States Insurance has offices spread across Georgia and into Florida to be able to provide the most personal and unique service to our clients. We believe in investing in the community and want to be a neighbor with our clients to understand their personal circumstances.

Our office in Ellijay recently had a unique opportunity that has become a tradition for our staff in the North Georgia branch.

A Story of Sacrifice To Help People Accomplish More

Our Ellijay office sacrificed in a unique way to help college-bound students succeed.

The Southern States Insurance Company staff decided to make a difference by granting scholarships to client’s graduating students. Our Georgia insurance company agreed to save each year by committing to clean our offices and save the money that would have been expensed by a professional cleaning service to donate to college-bound students.

Rooted in our company’s belief of “helping people succeed”, Southern States Insurance’s commitment to no longer pay for a professional cleaning service has helped send student’s to higher education now for 7 years. Every year providing a gift to hardworking deserving students. This year six high school graduating students received scholarship to put towards their college tuition.

The graduating High School seniors of Gilmer High School have worked hard over the past years and now dream of what they can be as they go off to their colleges and universities of choice.

The Gilmer Education Foundation

Our insurance agency contributes money to the Gilmer Education Foundation and allocates giving towards our client’s children who are bound for college.

The 2012 Gilmer Education Foundation awarded over $121,000 to graduating seniors from Gilmer High School on May 8th, 2012. The Gilmer Education Foundation has been administrating scholarships for Gilmer High School graduates for more than 20 years.

This year six clients children were rewarded with scholarships through Southern States Insurance’s sacrificial giving. Our Ellijay office branch manager Pam Fox is moved every year and commented on the night. “We were very proud as we presented four personal insurance client’s children and two commercial insurance clients’ children with financial aid to attend their colleges and universities of choice. We hugged all of their necks so tight!” said Fox.

The night is such a strong example of community. Our staff was thrilled to award students in an auditorium filled up to support the accomplished students.

Southern States Insurance believes in helping people succeed through trials and setbacks that occur. In the end it’s a night of “people helping people” and we strive to emulate the same mentality in our work as an insurance company. Our staff believes we truly represent an insurance agency which works to help our clients reach their goals.


Our Georgia Insurance Company’s Words of Advice

Southern States Insurance in Georgia has been in the business for 20 years and believes a great part of our success is due to our relationships with our clients. Our words of advice to the graduates would be simple, “Understand the value of relationships and work hard to succeed no matter what difficulties you may encounter.”

Thank you to everyone who also gave to the Gilmer Education Foundation to make the night as powerful and memorable as it was. There are contributions from teachers, businesses, and so many that we couldn’t begin to acknowledge all of them. We are blessed to play a role and push even some to greater success!

The 7 Most Influential Factors In Receiving The Cheapest Car Insurance Quote


Are you looking to save on your car insurance policy?

Even if you are currently satisfied with your insurance carrier, these factors will help you save money both now and in the future to insure your car for the cheapest price possible. We hope to provide enough insurance advice you bookmark this page! Let’s save some money!

Insurance Carriers Top Factors Used When Estimating Car Insurance Cost

1. Credit / Financial Stability

  • Better credit – Lower insurance Premium and deductible

Maintaining good credit can result in a lower insurance premium and insurance deductible. Building up credit proves your financial responsibility and trustworthiness to insurance carriers.

2. Prior Insurance Coverage

  • No lapses without coverage and signs of consistency – Lower car insurance premium

Insurance companies are looking to see if you have maintained insurance and there are no lapses without coverage. The same way maintaining a job for a number of years on a resume looks good, examples of consistency can bring down the price of your insurance rate.

3. Limits of Coverage

  • More than state minimum coverages – Greater chance of lower cost of car insurance

If you only are carrying the state minimum car insurance requirements rather than seeing the value insurance brings to you and your vehicle it is rewarded differently. Insurance companies can offer a cheaper insurance quote to clients that are more interested in full auto insurance coverage rather than just the legal obligations.

4. Insurance Claims History

  • Fewer numer of claims – cheaper auto insurance quote

Your claims history is an indication of how much of a risk you are to insure. Insurance claims are filed with the insurance company, whether it may be at fault, no fault, med pay or compensation claims, it is a testimony of how safe you are on the roads.

5. Driving History

  • Drive safely – lower insurance premiums for your car

Driving history is the MVR report, tickets that are issued against someone’s drivers license. The best possibility to reduce this cost is by attending defensive driving courses that can provide discount for 36 months.

6. Location

  • Live in low risk area – lower car insurance cost

Where you live and drive is important in understanding the risks you are exposed to and the cost of insuring your car. Although this is a variable often out of your control, it is still an influence that factors into your final rate.

7. Car Usage

How do you drive your vehicle? If your car is used to simply commute back and forth to work, if it is a company car, is it a car that generally stays parked in one place for a week, or is it a car for your personal use. Each situation faces unique risks and has different exposures.

Help With Your Car Insurance Costs From Our Georgia Insurance Agency

Every company offers different discounts, and an independent insurance agent can help you save and find the discounts that apply to your circumstances.

You need good insurance coverage over cheap insurance coverage, but managing these factors will ensure you have the proper coverages in place and help you work to receive coverage at the lowest cost.

Understanding what your car insurance policy price is based off of enables you to make changes to lower your premiums. Cheap car insurance is possible as you work to control each of these factors. Be careful as to not shop for the best car insurance only based on price, sometimes the cheapest car insurance can be a warning sign you don’t have the coverage you need.

Get Cheaper Auto Insurance Coverage With a Better Insurance Company

If you are looking for car insurance help, one of our insurance agents would be glad to take the time and provide you with good insurance advice. Whether you’re looking to get an estimate on car insurance, a professional opinion in car insurance coverage’s, or even general questions on car insurance claims our company is glad to help. Southern States Insurance wants to ultimately help you succeed.

How Dogs Can Make Your Homeowners Insurance Cost Really Bite


Depending on what breed of dog you own, your homeowners insurance could greatly be effected even as far as to being dropped!

A dog adds a great amount of liability for a homeowner and over the most recent years the number of dog bites and injuries caused by dogs has steadily increased.

Here are some facts:

  • There are a reported 4.5 million dog bite claims every year.
  • Dog-bite claims account for more than one-third of all homeowners insurance liability claims.
  • Dog-bite claims cost insurers about $413 million in 2010 (Higher than previous years and continuing to rise).

Here are some more dog bite statistics.

Frequently Blacklisted Breeds Of Dogs Due To Risk History

Certain breeds of dogs have built up a reputation for the wrong reasons. We initially recommend avoiding these breeds of dogs below. Particular breeds are blacklisted by some insurance companies, and even homeowners associations. Be sure to check with both before making any decision. Or something to discuss with both prior to shopping for home insurance coverage.

  • Pit bulls
  • Rottweilers
  • Chow chows
  • German shepherds
  • Doberman pinschers
  • Presa Canario bulldogs
  • Great Danes
  • Boxers

Every dog has a risk of biting and attacking someone, and the dogs listed above can certainly be trained to be the sweetest dogs and best pets! We know every situation is unique and believe the best thing you can do is be educated, and educate your dog.

The Best Way To Protect Yourself and Protect Others

  1. Dog Obedience Training Classes

The best thing you can do is make precautions to minimize risks. We recommend dog lessons, fences, and any other preventative measure to protect yourself and protect others.

Dog training classes will greatly reduce the likelihood of an attack and give you a greater amount of comfort in controlling your dog.

Did you know 50% of all dog bites occur on the homeowners property. Dogs are very territorial, and without proper training, your home can become a danger to others – invest in dog training classes.

The Numbers – Why Insurance Companies Increase Liability Costs For Homeowners With Dogs

If you are considering adding a dog as a member of your family, consider speaking to your insurance agent first to gain professional advice and insight on particular breeds and practices to effect your homeowners insurance cost less.

  • There were more than 16,292 dog bite insurance claims last year alone.
  • In 2011, the average claim paid to a victim of a bite was $29,400
  • Many states make dog owners legally liable for deaths or injuries caused by their dogs.

As a homeowner with a dog, you are 100% liable for all injuries cause by your canine friend. You may think your lovely pooch would never hurt anyone, but dog attacks occur shockingly often. The best thing you can do is to look into dog lessons.

Anything you can do to minimize the risk of your dog acting aggressively or causing harm to others is a worthwhile investment. Look into dog training classes, invisible fences, stationary leashes, and general dog education. Even spaying and neutering a dog can improve its disposition, especially with male dogs.

Ultimately Southern States Insurance wants to protect you from experiencing losses and help you protect others from experiencing any tragedy.

The Highest and Lowest Risk U.S. Cities To Live


The words “Home Sweet Home” can be said with a little more confidence in some cities. Aon Hewitt released the Peoples Risk Index ranking over 130 cities worldwide on their measurable risk exposure (A link to the entire list is at the bottom of this page).

Risk levels were measured by factors such as demographics, access to education, talent development, employment practices and government regulations. We sifted through the 130 cities and compiled the list of the highest and lowest risk cities in the United States.

The Top 5 Lowest Risk Cities In The U.S.

5. Philadelphia

4. Chicago

3. Boston

2. Los Angeles

1. New York

We would have never guessed New York to be the number one spot! Although, it is no surprise the ‘city of brotherly love’ made the list of lowest risk cities. Were you surprised by any city’s that made or didn’t make the list?

Our insurance agency in Atlanta (Atlanta ranked well as a low risk city to live in) thought the lowest risk cities were interesting, but we wanted the news on the highest risk cities!

Top 5 Highest Risk Cities In The U.S.

5. Denver

4. Phoenix

3. Seattle

2. Washington D.C.

1. Detroit

If you travel often, or have any relationship with these cities, we would love to know your opinion on how they rank! And if you think it is an accurate portrayal of risk?

To see the entire list of “131 Highest Risk Cities in the World” visit Aon Hewitts People Risk Ratings research page.

Understanding risk exposure is key to minimizing the amount of risks you face. With Southern States Insurance we work with you to mitigate your risks and pair you with insurance coverage that gives you protection for your unique needs. Be safe wherever you go.

Insurance Friday the 13th


Today is the ominous Friday the 13th.

Whether, you are superstitious or just a little-stitious, we all know accidents happen. This video “spins” a little out of control fast! Don’t let the unforeseen be a consequence that sets you back in life.

Foolishly, some people still choose to believe “it won’t happen to them,” and aren’t prepared when it does. When accidents happen, you need to be covered so we can help make you whole again. It isn’t an issue of “IF” something will go wrong it is a matter of “WHEN” it will.

Let Southern States Insurance insure you today to guarantee that when an accident happens you don’t have to ask yourself, “IF” your covered. You can rest assure that we will help you.

Here is our weekly contribution of people thinking nothing will go wrong, and of course it did.

 Our Georgia Insurance Agency is available to answer any of your questions and start an insurance policy with you today.

Home Insurance In Georgia Is Vulnerable To Fraudulent Contractors

The saying “as long as you’ve got a roof over your head,” may not be the whole truth, especially if your in the “peach state.”

Fraudulent claims involving roofing contractors are common across the Georgia area, because the lack of licensing requirements in the state. Georgia does not require roofing contractors to be licensed. Many people are posing as professionals and inflicting damage to roofs scamming insurance companies. Homeowners must be aware and as an Insurance Agency encountering fraud we want to help educate you.

You may not be able to predict when a natural disaster, which can likely inflict roof damage, but there are ways to look out and prevent roofing contractor scams.

  • Be extra aware following a storm; scammers are rampant in this time posing to fix possible damage
  • Ask for references, from the contractor and local friends
  • Immediately following a storm call your insurance agency to send out an adjuster
  • Be weary of  a contractor who doesn’t present clear plans
  • Don’t pay until the job is complete

There are various types of roofing scammers, some inflict damage and leave you with an insurance claim. Others will simply take your money and run. Some fraudulent contractors will do what they have agreed to, but by using cheap materials and poor quality. No matter what time their ultimate goal is to take advantage of you.

Help us in preventing insurance fraud and help us save you money by being aware of potential scammers.
There are efforts being made to change the licensing policy in Georgia, but don’t expect changes to come soon. Stay alert and stay safe when a storm does come. Our Insurance Agency offers affordable home insurance in Georgia, and we would be please to educate you and offer you a free quote.

Georgia Homeowners Insurance Price Increased

Homeowners insurance cost increaseGeorgia homeowners have likely noticed the cost of their Homeowners Insurance on the rise. Insurance premiums have increased over the past years. Often, supplemented by little explanation from the representative insurance company. It’s one thing if your premium increases with additional coverage, but another when the coverage remains the same and your paying more.

What is to blame? And, how can it be avoided?

As much as we would like to point the finger at the ‘mean old’ insurance company, this won’t solve any problems and actually is not the cause of the problem. Bummer, that would have been a good answer.

A significant amount of the price increase is due to the increasing numbers of natural disasters being felt in the Southeast. Unfortunately, the high increase in claims has put a great deal of stress on the insurance companies who are fearful of finding themselves again in similar messes. Thus, increased premiums.

In Georgia alone, insurers have seen rates increased as State Farm Fire and Casualty has gone up 7%, Allstate Fire and Casualty has jumped 23.9%, and Nationwide has bumped up 9.6%. In these stressing economic times, every expense is accounted for and any money saved is valuable. We understand that.

By seeking out an independent insurance agency, you can expect to find the best coverage to insure you in the worst of times at a price the best suits your needs. An independent insurance agency compares quotes from a number of companies represented to compare the best option for each client’s needs. If you’re experiencing increased rates in your homeowners premiums then explore contacting a local independent agency.

The advantage to a local agency is we are experiencing the natural disasters and weather conditions with you. It isn’t an issue of having to convince the agency of the severity or the value of your home. We know the street you’re off of and the worth and beauty of where you live and are going to be invested in getting you back to normal.

Don’t feel as though you are trapped into the prices you are told, but seek another opinion. We offer free quotes and can compare prices for you and we’ll be sure you are provided with coverage that will ensure your thriving success.