Ed Williams Insurance
"Your Online Georgia Insurance Source!" Call 770.461.1355
Frequently Asked Questions!
Q. When I choose a quote I am taken to another website... why?
A. We operate "specialty" sites. These sites are dedicated to the line of coverage that you need to quote. They also offer detailed explaination and help topics that would be very difficult to completely include on our agency website here. Our websites are www.GaInsuranceDirect.com & www.GaLifeQuotes.com as well as this site www.GeorgiaInsuranceCenter.com. All quote request are equally protected and quoted by our staff in our Fayetteville, GA office.
Q. Why should I choose Ed Williams Insurance?
A. Our agency gives you advantages that other online , and traditional insurance services can't. We are a local Georgia agency licensed to sale life, auto, home, & business insurance products since 1972. We offer a pressure-free way to buy custom life insurance from competing insurance companies by phone or online, helping customers save hundreds of dollars on their policies.
Personalized quotes. Thanks to our years of experience and our personal attention to each quote request, you'll get an accurate quote from our insurance companies right from the start. No surprises.
Expertise. Our licensed agents know how to cut through insurance company red tape, saving you time and money.
Excellent Service. The difference is the ability to work with us. We only operate and specialize in Georgia and can be contacted by phone, fax, email, or online. You will work with our local office for any questions or needs for the entire time of your policy! You can even visit our agents face to face!
Q. What companies does do you represent?
A. Click here to learn about the highly-rated companies we represent. We are always adding top major insurers to our network!
Q. What states is Ed Williams Insurance licensed in?
A. We specialize in Georgia only! We want to be accessible to you, so we only stay local to offer the best service.
Q. How confidential is my information?
A. Completely. No one has access to your information but our agency, and, once you've chosen one of our highly rated companies, the insurer you decide to use. We never sell your name, address, or personal information.
Q. Do you just give price quotes?
A. No. We handle every step of the buying process, and does it all at your convenience. Unlike some online insurance services, which simply generate leads and sell your contact information to the highest-bidding agents, we are a full-service agency that helps you throughout the process with personal local service.
Q. How does the agency get paid?
A. Our agency in Fayetteville, Georgia receives a commission from an insurance company each time a policy goes in force. The compensation we receive may differ depending the product and the insurer. Our licensed agents find the best priced policies matching the individual underwriting characteristics and coverage needs of our clients from the insurance companies that we represent. We do not rank or present our insurance companies or their products based on compensation. Our in house agent's recommendations will never be influenced by any differences in commissions or other compensation offered by the different insurers we represent.
Q. How do you pick the companies you represent?
A. Ed Williams Insurance regularly monitors the products, prices and service of highly rated insurance companies that actively compete for your busines. Different insurance companies have different standards for their underwriting classifications. Each company can be more or less competitive depending upon certain factors. We establish agency relationships with a select group of insurers to have highly competitive products for a broad range of underwriting factors and to establish strong personal relationships with insurance companies' underwriting and administrative staffs to facilitate prompt and responsive service. Our agency uses the following consumer factors to select the insurance companies it represents:
* Competitive Pricing
* Financial stability
* Varied underwriting specializations
* Excellent claim-paying record
* Efficient operations
* Experienced personnel
Q. How do I apply for a policy?
A. After the quote is given to you by email or phone it's very simple to proceed.
* Step One: Get your application started. You can call your personal in house agent at 770-461-1355 and complete the process in a matter of
minutes, or we can do online application with some of our companies. We can even mail your application to you, or you may visit our office if
needed.
* Step Two: Your personal agent from our office will verify your information, fax an application for signatures, and take payment.
* Step Three: We can fax, email, or mail your information to you such as insurance cards, reciept, and proof of coverage. With life insurance we
will set up a free medical exam if required on your schedule. After the results return the company issues your policy if the findings are favorable.
Q. How Do I get the right price on the best policy for me?
A. It's easy. Simply answer all of the questions honestly, and promptly return any forms required by the insurance company. We'll take care of everything else.
Q. How long does it take to get a policy?
A. Auto, Home, Motorcycle, & Commercial can usually be done the same day. Life insurance can take up to 4 weeks.
Q. Do I have to take a medical exam for life insurance?
A. Not always. It really depends on the type and amount of your policy. But almost all of our companies require applicants to take a brief paramedic exam, which includes blood and urine samples. In some cases, you may also be required to have additional tests at the request of the insurance company. The exam is at no cost to you and takes place at your home or office when it's convenient for you. It usually takes less than 20 minutes.
Q. How does a monthly payment plan work?
A. You can choose to pay a variety of flexible payment plans. Most companies offer monthly, 2 pay, or a discounted paid in full on auto, home, and business. Life Insurance offers full pay, EFT monthly, 2 pay, quarterly and semi-annual.
Q. Do I have any coverage while I'm waiting for my policy?
A. Very often you do. Once your application, signatures and down payment have been collected by our agency you will be given, mailed, emailed or faxed a reciept, ID cards, and proof of coverage. Life Insurance does not cover until the policy is issued by the companies in most cases. However, always ask the agent in our office you are dealing with and they will be happy to go over all details!
