Find out how auto insurance works to protect you and your vehicle on the road.
Get coverage to protect the vehicle you rely on.
Your car or truck is often your biggest asset aside from your home—we’ll help you get the insurance coverage you need at a price you can afford. Auto insurance helps to protect against potentially crippling financial losses and the sheer inconvenience of being without transportation.
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Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
Solution
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Medical Payments Coverage and Personal Injury Protection
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Solution
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Rental Coverage / Loss of Use
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
What is the minimum car insurance required in Georgia?
Georgia requires most drivers to carry at least 25/50/25 in liability coverage:
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fce_id=”fce_6a9078cc4536a”5,000 for bodily injury per person
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$50,000 for bodily injury per accident
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fce_id=”fce_6a9078cc4536a”5,000 for property damage per accident
That’s the legal minimum. But legal minimum and enough coverage are two very different things.
Think about that fce_id=”fce_6a9078cc4536a”5,000 property damage limit for a minute. An accident involving a newer SUV, truck, or multiple vehicles, and you can burn through fce_id=”fce_6a9078cc4536a”5,000 pretty quickly. Last we checked, the average used vehicle on the road in Georgia is worth
What is the minimum car insurance required in Georgia?
Georgia requires most drivers to carry at least 25/50/25 in liability coverage:
-
fce_id=”fce_6a9078cc4536a”5,000 for bodily injury per person
-
$50,000 for bodily injury per accident
-
fce_id=”fce_6a9078cc4536a”5,000 for property damage per accident
That’s the legal minimum. But legal minimum and enough coverage are two very different things.
Think about that fce_id=”fce_6a9078cc4536a”5,000 property damage limit for a minute. An accident involving a newer SUV, truck, or multiple vehicles, and you can burn through fce_id=”fce_6a9078cc4536a”5,000 pretty quickly. Last we checked, the average used vehicle on the road in Georgia is worth The same goes for the medical bills that can follow a serious accident.
And remember, liability coverage is there to pay for injuries and damage you cause to someone else. It generally isn’t paying to repair or replace your own vehicle.
At Providence, we look at Georgia’s minimum limits as the starting line, not necessarily the finish line.
How much liability coverage you should carry depends on your family, your financial situation, the assets you’re trying to protect, and how much risk you’re comfortable taking on yourself.
Sometimes the cheapest policy is cheap for a reason. Our job is to help you understand what you’re actually buying before you ever need to use it.
8,000. The same goes for the medical bills that can follow a serious accident.
And remember, liability coverage is there to pay for injuries and damage you cause to someone else. It generally isn’t paying to repair or replace your own vehicle.
At Providence, we look at Georgia’s minimum limits as the starting line, not necessarily the finish line.
How much liability coverage you should carry depends on your family, your financial situation, the assets you’re trying to protect, and how much risk you’re comfortable taking on yourself.
Sometimes the cheapest policy is cheap for a reason. Our job is to help you understand what you’re actually buying before you ever need to use it.
What does bodily injury liability actually cover?
If you cause an accident and someone else is injured, bodily injury liability coverage helps pay for the injuries you are legally responsible for, up to the limits on your policy.
That can include things like medical bills, lost wages, and other injury-related costs after the accident.
Here is the important part: this coverage is there to protect you financially when you hurt someone else. It generally does not pay for your own injuries.
And those limits matter.
If you carry fce_id=”fce_6a9078cc45373″5,000 per person in bodily injury liability and someone is seriously injured, that fce_id=”fce_6a9078cc45373″5,000 can disappear quickly. Anything beyond your policy limits could potentially become your responsibility.
That is why we spend more time talking about how much liability coverage you should carry, not just whether you technically have it.
The goal is not simply to meet Georgia’s minimum requirement. It is to make sure one bad accident does not become a much bigger financial problem.
What is uninsured/underinsured motorist coverage?
This is one of those coverages that can feel unnecessary right up until the moment you need it.
Uninsured/underinsured motorist coverage helps protect you when the person who caused the accident either has no insurance or does not have enough insurance to cover the damage they caused.
Depending on the policy and the loss, that can help with things like bodily injuries, lost wages, and other damages tied to the accident.
The easiest way to think about it is this:
Someone else caused the accident. They are responsible. But their insurance is either missing or not enough.
That is where this coverage can step in.
We talk about this one a lot at Providence because carrying liability insurance yourself does not guarantee the person who hits you is properly insured.
You can do everything right and still end up in a bad situation because of someone else’s choices. Uninsured/underinsured motorist coverage is designed to help keep that problem from becoming your financial problem too.
What coverages can protect your vehicle?
Liability coverage helps protect you when you cause damage or injuries to someone else. But what about your own car or truck?
That is where coverages like collision and comprehensive come in.
Collision coverage can help repair or replace your vehicle after an accident, while comprehensive coverage can help with things that have nothing to do with a collision, like theft, fire, hail, falling trees, vandalism, or hitting an animal.
There are other options worth talking through as well, including rental car coverage, roadside assistance, gap coverage, and additional protection if an uninsured or underinsured driver damages your vehicle.
Not every driver needs every coverage.
At Providence, we would rather help you understand what each option actually does, what it costs, and whether it makes sense for your vehicle than simply pile more coverage onto a policy.
The goal is pretty simple: protect what needs protecting without paying for things that do not make sense for you.
Why did my car insurance go up even though I haven’t had a claim?
This is probably one of the most common questions we get.
The frustrating part is that your own driving history is only one piece of how your rate is calculated.
Insurance companies also look at things like the cost to repair vehicles, the number and severity of claims in your area, weather losses, medical costs, vehicle values, and the overall performance of the insurance company.
So yes, your rate can go up even if you have done absolutely nothing wrong.
That does not mean you should just accept every increase, though.
At Providence, we look at the whole picture. Sometimes the best answer is to stay where you are. Sometimes it makes sense to shop the market. And sometimes there are changes we can make to the policy that help without stripping away coverage you may actually need.
The goal is not just finding the cheapest number. It is making sure what you are paying still makes sense for the protection you are getting.
What does “full coverage” actually mean?
Here is the first thing to know: “full coverage” is not actually a specific insurance coverage.
It is a phrase people commonly use to describe a policy that includes liability coverage along with comprehensive and collision coverage.
Liability helps protect you when you cause injury or damage to someone else.
Collision can help repair or replace your vehicle after an accident.
Comprehensive can help with things like theft, hail, fire, vandalism, falling objects, or hitting an animal.
But even a policy someone calls “full coverage” does not mean everything is covered.
Your liability limits still matter. Your deductibles still matter. Uninsured motorist coverage matters. Rental coverage may or may not be included. There can still be exclusions and limitations.
That is why we would rather talk about what is actually on your policy than simply tell you that you have “full coverage.”
Those two words can create a lot of false confidence if nobody ever explains what they really mean.
What can I do to lower my car insurance premium?
There are several ways to lower your car insurance premium, but we do not believe the answer should automatically be “take coverage away.”
Sometimes that may make sense. Sometimes it absolutely does not.
A few things worth reviewing include your deductibles, available discounts, how your vehicles are rated, the drivers in your household, how much you drive, and whether your current insurance company is still competitive.
If your vehicle is older, it may also be worth looking at whether comprehensive and collision still make financial sense.
And one of the benefits of working with an independent agency is that we can compare your policy with multiple insurance companies instead of being limited to just one.
At Providence, our goal is not simply to make the premium lower on paper.
We want to make sure you understand what you are giving up to get there.
Saving
What can I do to lower my car insurance premium?
There are several ways to lower your car insurance premium, but we do not believe the answer should automatically be “take coverage away.”
Sometimes that may make sense. Sometimes it absolutely does not.
A few things worth reviewing include your deductibles, available discounts, how your vehicles are rated, the drivers in your household, how much you drive, and whether your current insurance company is still competitive.
If your vehicle is older, it may also be worth looking at whether comprehensive and collision still make financial sense.
And one of the benefits of working with an independent agency is that we can compare your policy with multiple insurance companies instead of being limited to just one.
At Providence, our goal is not simply to make the premium lower on paper.
We want to make sure you understand what you are giving up to get there.
Saving
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00 a year is not much of a win if it creates a fce_id=”fce_6a907bd35840b”5,000 problem after an accident.
00 a year is not much of a win if it creates a fce_id=”fce_6a907bd35840b”5,000 problem after an accident.
Why is car insurance so expensive for teenage drivers?
Because, statistically, new drivers are simply a much bigger risk.
Teenagers have less experience behind the wheel, and insurance companies see significantly more accidents and claims from younger drivers. That increased risk usually means a much higher premium when a teenager is added to the policy.
As a parent, the sticker shock can be real.
The vehicle they drive can make a big difference. So can good-student discounts, driver-training programs, household discounts, and the insurance company you are with.
This is also an area where shopping the market can matter because insurance companies do not all price teenage drivers the same way.
One thing we would not recommend is simply looking for the absolute cheapest way to add them without thinking about coverage.
You are putting the least experienced driver in the household behind the wheel, which is probably not the time to discover that the policy was built around the lowest possible price.
Our job is to help families find the balance between keeping the cost reasonable and making sure the coverage still does its job if that new driver has a bad day.
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