Answers to Your Insurance Questions

You can request a quote in three ways: (1) Submit our online quote request form on the Contact page, (2) Call us directly at 470-776-4817 during business hours (Monday–Friday, 9AM–6PM ET), or (3) Email us at president@terrellstarrinsuranceagency.com. We respond to all quote requests within one business day.

Yes. Our initial consultations and quote requests are completely free and carry no obligation. We believe you should have all the information you need to make an informed decision before committing to any policy. There is no pressure and no hidden fees associated with requesting a quote.

The information required varies by coverage type. For auto insurance, we typically need your driver's license number, vehicle identification numbers (VINs), and current coverage details. For home insurance, we need your property address, year built, and square footage. For business insurance, we need your business type, annual revenue, number of employees, and existing coverage. We will guide you through exactly what is needed during our consultation.

For most standard personal insurance products (auto, home, life), we can often provide preliminary quotes during or shortly after our initial conversation. More complex commercial policies may require 24–48 hours for accurate quotes. We will always communicate a clear timeline so you know when to expect a response.

We offer a comprehensive range of personal and commercial insurance products including: Auto Insurance, Home Insurance, Business Insurance, Commercial Liability Insurance, Life Insurance, Commercial Property Insurance, and Insurance Consulting services. We are an independent agency, meaning we work with multiple carriers to find the right fit for your specific needs.

Yes. Bundling multiple policies — such as auto and home, or business property and general liability — often results in meaningful premium discounts. We always explore bundling options and present them as part of our quote process so you can see the potential savings.

Absolutely. Policy reviews are one of the most valuable services we offer. Many clients discover they are either underinsured, paying for coverage they do not need, or missing important protections. We will conduct a thorough review of your existing policies at no charge and provide honest recommendations.

As an independent insurance agency, we work with multiple reputable insurance carriers — we are not captive to a single company. This independence is a significant advantage for our clients because it allows us to genuinely compare options and present you with competitive choices rather than a predetermined product.

During your initial consultation, we take time to understand your specific situation — your assets, liabilities, risk tolerance, budget, and coverage goals. We ask questions to identify potential gaps in your current protection, then research available options across our carrier network. We present our findings clearly, explain the trade-offs between different options, and answer all your questions before you make any decisions.

We accommodate both in-person and remote consultations. We can conduct consultations by phone, video call, or in person at our Forest Park, GA office at 1671 Forest Parkway. We work around your schedule and communication preferences.

No. We do not use high-pressure sales tactics. Our consultations are genuinely informational — we provide you with options, answer your questions, and let you decide at your own pace. We would rather lose a sale than push someone into coverage that is not right for them.

Premium payment options depend on the insurance carrier and policy type. Most carriers offer monthly, quarterly, semi-annual, or annual payment options. Paying annually typically results in a discount. We will explain all available payment schedules for any policy we recommend so you can choose what works best for your budget.

Payment methods vary by carrier. Most carriers accept electronic funds transfer (EFT/ACH), credit cards, debit cards, and personal checks. Some carriers offer automatic payment programs that may qualify for additional discounts. We will provide specific payment information for each carrier as part of the policy setup process.

Missing a premium payment can result in a policy lapse or cancellation, which can leave you without coverage and may affect your future insurability or rates. If you are having difficulty making a payment, contact us immediately at 470-776-4817 or email president@terrellstarrinsuranceagency.com. We will work with you and the carrier to explore available options such as grace periods or payment plan adjustments.

Contact us by phone at 470-776-4817 or email at president@terrellstarrinsuranceagency.com to request any policy changes, such as adding or removing vehicles, updating your address, changing coverage limits, or adding endorsements. We handle carrier communication on your behalf and ensure changes are processed accurately and promptly.

Cancellation requests should be submitted in writing to our office. You can email your cancellation request to president@terrellstarrinsuranceagency.com or mail it to 1671 Forest Parkway, Forest Park, GA 30297. We will process your request with the carrier and confirm the cancellation effective date. Please note that some carriers require advance notice and may have specific cancellation procedures.

In most cases, if you cancel a policy before the end of the policy period, you may be entitled to a prorated refund of unused premium — minus any applicable fees. Refund amounts and timelines vary by carrier and policy type. Some policies may be subject to short-rate cancellation penalties. We will provide you with specific refund information based on your policy details. Please also review our Refund Policy page for additional information.

Our standard business hours are Monday through Friday, 9:00 AM to 6:00 PM Eastern Time. We are closed on major federal holidays. For urgent matters outside of business hours, please leave a detailed voicemail at 470-776-4817 or send an email to president@terrellstarrinsuranceagency.com and we will respond on the next business day.

In the event of a claim, contact your insurance carrier directly using the claims phone number on your insurance card or policy documents. You can also contact our office and we will assist you in initiating the claims process and communicating with your carrier. We recommend reporting claims as promptly as possible after an incident occurs.

Yes. As your agent, we act as your advocate with the insurance carrier. If you are experiencing issues with a claim, billing dispute, or any carrier-related concern, contact us and we will intervene on your behalf. This advocacy role is one of the most important services we provide.