Auto insurance is a contract between you and an insurance company that protects you against financial loss in the event of an accident, theft, or other damage. In most states (including Georgia), liability coverage is required by law.

Liability covers injuries or damages you cause to others. 

Collision covers your car when it hits another vehicle or object. 

Comprehensive protects you from non-collision damage like theft, weather, or animals

Every state has its own legal minimum insurance requirements. Here’s a breakdown of the required liability limits by state:

✅ Georgia (GA)

$25,000 per person for bodily injury 

$50,000 per accident for bodily injury 

$25,000 for property damage 

✅ Texas (TX)

$30,000 per person for bodily injury 

$60,000 per accident for bodily injury 

$25,000 for property damage

(Also known as 30/60/25 minimum coverage) 

✅ Alabama (AL)

$25,000 per person for bodily injury 

$50,000 per accident for bodily injury 

$25,000 for property damage 

✅ Florida (FL)

Florida is a no-fault state, which requires:

$10,000 in Personal Injury Protection (PIP) 

$10,000 in Property Damage Liability (PDL)

(Florida does not require Bodily Injury Liability for most drivers, but it’s highly recommended.) 

Important: These are just the minimums. We strongly recommend higher limits to better protect your assets, especially in serious accidents. Our licensed agents can help customize your policy based on your location, driving habits, and financial needs.

“Full coverage” typically includes:

Liability 

Comprehensive 

Collision 

If your car is financed or leased, your lender will require it. If your vehicle is paid off, it’s up to you, consider your budget and vehicle value.

Yes, if you have rental reimbursement coverage, it pays for a rental while your car is being repaired due to a covered claim. Some policies also extend coverage to rental vehicles while traveling, ask us to check your plan.

Generally, yes. Insurance typically follows the vehicle, not the driver. If someone has your permission and a valid license, your policy may extend to them. Always check specific exclusions.

If you have UM/UIM (Uninsured/Underinsured Motorist) coverage, your policy will help pay for medical bills, lost wages, and repairs. This is especially important in states like Georgia, where many drivers are underinsured.

Bundle your home or renters policy

Maintain a clean driving record

Opt for a higher deductible

Ask about discounts (good student, multi-car, telematics)

Pay in full or set up autopay

Yes, if your vehicle is registered and parked on public roads, you must maintain coverage. You may qualify for low-mileage discounts or usage-based plans.

Call us at 888-899-8117 or email [email protected]. We’ll walk you through every step and coordinate with your carrier to make the process smooth and stress-free