When shopping for insurance in Kennesaw, Marietta, or Metro Atlanta, it’s normal to have questions. At Hembree Insurance Agency, we’re here to simplify the process and help you find the right coverage at the right price. Below, we’ve answered some of the most common questions Georgia residents ask before getting a quote.

Why should I use an independent insurance agency?

Unlike captive agents (who only represent one carrier), independent agencies like Hembree Insurance work with multiple top-rated carriers. This means we can shop your policy across different companies to find the best value—without sacrificing coverage.
👉 Result: More choices, better pricing, and personal service tailored to your needs.

How often should I shop my insurance rates?

We recommend reviewing your policies every 2–3 years. Even if you’re happy with your current coverage, rates and discounts change. Our team can compare options for you, ensuring you’re not overpaying.

💡 Tip: Many of our clients in Cobb, Paulding, and Douglas County save hundreds by letting us reshop their policies.

Is bundling home and auto insurance worth it?

Yes! Bundling your home and auto insurance with one carrier often unlocks multi-policy discounts of 10–25%. Plus, it simplifies your billing and makes claims easier to manage.

👉 Ask us about bundle quotes to maximize savings.

What factors affect my insurance rate?

Several factors can impact your premium:

• Driving history and claims record

• Credit score (in Georgia, this matters)

• Location (Kennesaw, Marietta, Dallas, Powder Springs, Woodstock, etc.)

• Age and type of vehicle/home

• Coverage limits and deductibles

At Hembree Insurance, we help you understand these factors and guide you to smart choices that keep costs low.

Do I really need more than state minimum auto coverage?

Absolutely. Georgia requires 25/50/25 liability limits, but this is often not enough to cover medical bills and property damage in a serious accident. We recommend higher limits and umbrella policies for better protection.

👉 Protect yourself from lawsuits and unexpected expenses.

What discounts are available?

Every carrier offers unique discounts. Common ones include:

• Safe driver & accident-free

• Multi-car & multi-policy

• Good student discounts

• Home safety features (alarms, sprinklers, smart home tech)

• Telematics & usage-based programs

We’ll check every option so you don’t leave money on the table.

How do I get a quote from Hembree Insurance Agency?

Getting a quote is fast and easy:

1. Fill out our online Get a Quote Form

2. We compare rates across multiple carriers

3. You choose the best coverage for your budget

💡 Most of our clients get quotes back the same day.

Ready to Save on Insurance?

At Hembree Insurance Agency, we’ve helped thousands of Georgia families and businesses find affordable protection. Whether you need auto, home, renters, or commercial insurance, our local experts in Kennesaw and Marietta are here to help.

👉 Click here to request your free insurance quote today