Kate Betts

If you have a car to get around the bustling city of Atlanta or to cruise the suburban streets of the metro area, you’re going to need the right car insurance. (And let’s face it, Atlanta is a driving city.) There are a lot of coverages out there that you can consider for your vehicle, and for some reason, they have confusing names. One coverage to think about is Atlanta comprehensive coverage…but what is comprehensive coverage? We’ll explain.

What is comprehensive coverage?

Comprehensive coverage can protect your car against losses that are not being-in-a-wreck. For example, comprehensive coverage can cover…

• Fire
• Theft
• Vandalism
• Falling objects
• Animal strikes

There are a lot of things that could happen to your poor car. It’s important to have a way to cover the costs of repairing your car should a comprehensive loss befall it. It’s not easy to casually drop a ton of money to repair a car, so that’s why Atlanta comprehensive coverage can help.

For example, what if a massive tree branch falls right on your car? It could cause a lot of damage to your car, but you can protect your bank account with your comprehensive coverage. That’s what it’s there for.

Pro tip: Make sure to read your policy so you know what losses are covered and which are not. Its’ really important to know the ins and outs of your insurance.

Do I need comprehensive coverage?

Another question that comes up a lot is this: do I need comprehensive coverage? The state of Georgia does not require comprehensive coverage. (What Georgia does require is $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per occurrence, and $25,000 of property damage liability.)

However, if you have a car payment, your lender may require you to carry comprehensive coverage (and its best friend collision coverage – more on that in a moment.) It’s really important that you have all the coverage you’re required to have for your car, whether it’s the state requiring it or your lender.

What about the deductible?

Your comprehensive coverage likely comes with a deductible. The deductible is the amount you’ve agreed to pay if you have a claim. You pay for a chunk of the damage and the insurance company steps in to start helping to cover costs.

Let’s say that you have a $500 deductible. Then a tree branch falls on your car. (For the sake of the hypothetical, we’ll say that it’s going to be a covered loss.) The branch causes $1,750 of damage to your car. Yikes. You would pay your $500 deductible and the insurance company pays $1,250. (Which is better than you having to pay the whole $1,750, right?)

You need to put some thought into choosing your deductible. If you are able to set a higher deductible, you could save money on your premium. However, don’t set your deductible so high that you’d be hard-pressed to pay it in the event of a claim. You have to find your happy place in the deductible-premium balance.

What is collision coverage?

Collision coverage is the one that can help you repair or replace your car if you’re in an accident (or if you hit something like a fence). It works hand-in-hand with comprehensive coverage. And again, this coverage might be required by your lender if you have a car payment. It’s definitely something to consider.

So, that’s the scoop about comprehensive coverage and what it can do to help you with your car if there’s a loss other than a collision! It’s a handy thing to have. Anyways, if you’re looking for Atlanta car insurance, our team can help. Get started with quotes by filling out our online form, giving us a call, or messaging us.

You rely on your car. It’s kind of essential for your daily life, as it’s your means of getting places. And you love your car – and you do enjoy having money in your bank account. That’s why you want car insurance that’s going to be there for you. So you admit it – Flo got to you and now you want Atlanta Progressive car insurance. Maybe you’re moving to Atlanta, or maybe you’ve lived in the city for a while, but how does one get car insurance from Progressive, anyway? Like this!

Get Atlanta Progressive car insurance.

1. Get in touch with our team.

Here at Atlanta Insurance, we have a whole bunch of insurance agents who would be happy to help you get a car insurance quote from Progressive. We like to make insurance easy, so we have a few different ways you can get in touch with our team.

Online form: Go ahead and fill out our online form so we can get some of the details we need to get you a car insurance quote from Progressive. This just lets us get a bit of a head-start so we can jump right in.

Call us: If you prefer to talk on the phone, that’s fine with us. We’d be happy to have a quick conversation with you on the phone so we can assist you with your car insurance needs and help you get Atlanta car insurance from Progressive.

LiveChat: We’ve even got LiveChat, so you can message with one of our agents to let us know that you’re interested in getting a car insurance quote from Progressive. Messaging is fine by us.

Email or text: Maybe talking on the phone or using LiveChat isn’t ideal for you. That’s fine – just tell us that you’d rather email or text with us and we can make that happen.

Our goal is to make insurance easy. That starts with making communication convenient. Don’t hesitate to just let us know if you can’t talk on the phone. Simply tell us your preferred method of context and we can work with that.

2. Have a chat with one of our agents.

We’ll need to confirm some information from you so we can go forth and get that quote for Progressive car insurance in Atlanta, so one of our agents will reach out to talk with you through whatever method of communication works for you. We just want to make sure that we’re understanding your insurance situation. We want to help you get the right coverage. At any rate, we won’t take up much of your time – we know you’re busy.

3. We get that Atlanta Progressive car insurance quote for you.

The next step is us going out on a quest for your Atlanta Progressive car insurance quote. We’ll be quick as we can – we don’t want to keep you waiting. We’ll let you know when we’ve got your quote. And from there, we can move onto the next step!

4. We’ll go over the quote with you.

What happens next is our agent will take the time to go over the quote with you. We’ll answer any questions you might have about the quote – we want you to feel confident about the coverage you have for your vehicle, as this insurance policy is protecting you financially. Don’t be shy about asking any questions you may have, whether they’re big questions you may have, whether they’re big questions or small questions. (If you don’t have any questions right at that moment, don’t sweat it – you can reach out any time if you think of any queries!)

5. We’ll be here for insurance support.

After we give you your quote and all that, we’ll be here to help with any insurance needs that come up. We’ll answer questions and help resolve issues if they come up. We can help make adjustments to your coverage as needed. Anyways, what we’re trying to say is this – we won’t just poof into thin air when you need something. We’ll be here for insurance support!

So, that’s how you get a Progressive car insurance quote! Our team is here to help with your insurance needs, so just give us a shout if you need car insurance. Getting Atlanta car insurance from Progressive doesn’t have to be complicated when you work with our team! Take a second to fill out our online form and we’ll be on the case.

There are a lot of different car insurance coverages out there. The thing is that you need to understand what each of these coverages does. They team up to protect you from different risks. One important coverage that covers your car is collision coverage.

What is collision coverage?

Collision coverage is the coverage that can help you repair or replace your car if you’re in an accident. Or if you hit something like a fence, telephone pole, or something else that’s solid and in the way.

You might wonder why this coverage is necessary – won’t your liability coverage repair your car? No. It probably won’t cover your car repairs if you’re at fault in an accident. It can help cover the other driver’s car repairs if you’re at fault (that’s the property damage section) and even the other driver’s medical bills (that’s the bodily injury section). But if you have damage to your car due to an accident in which you’re at fault, or if you hit a tree or something, you would not be covered by your liability insurance. However, your collision coverage could help you in these situations.

(At any rate, as always, it’s important to read your car insurance policy all the way through.)

What is the deductible?

Your collision coverage likely comes with a deductible. The deductible is the amount you agree to pay if you have a claim (you pay your chunk and the insurance company pays theirs). For example, let’s say that your deductible is $500. Then let’s say you have an accident that causes $1,500 of damage to your car. (For the sake of our hypothetical, we’ll say that it’s a covered loss and your insurance is going to help you.) You would pay $500 and your insurance company would pay $1,000.

Choose your deductible wisely. You don’t want to set it so high that it would be a big problem to pay if you have a claim. But keep in mind that if you’re financially comfortable setting a higher deductible, you could see a lower insurance premium. Just something to think about when you’re setting your deductible.

(Anyways, it’s not a bad idea to set aside some emergency money in case you have to pay your deductible due to a claim.)

Do I need collision coverage?

So, at this point, you might be wondering if collision coverage is required. Do you have to have it? Well, Georgia doesn’t require you to carry collision coverage. The state’s minimum limits of insurance are $25,000 of bodily injury liability insurance per person, $50,000 of bodily injury liability per occurrence, and $25,000 of property damage liability.

However, if you have a car payment, your lender may require you to carry both collision and comprehensive coverage. (They want to protect their investment in the vehicle.) It’s important that you have the appropriate coverage as required by both your lender and the state. Don’t think that no one will notice if you don’t have the right insurance for your car. You could run into some major trouble if you don’t.

What’s comprehensive coverage?

Earlier we mentioned yet another coverage you can consider for your vehicle – comprehensive coverage. This is the coverage that can help you repair or replace your car if there’s a loss that is not a wreck – for example, theft, fire, vandalism, falling objects, or hitting a deer. That’s the long-story-short version of what comprehensive coverage is. It’s basically collision coverage’s best friend.

So, that’s what collision coverage is. It can help you repair or replace following a wreck or if you hit something like a fence or a pole. It’s not technically required by the state of Georgia, but your lender may require you to carry this coverage on your vehicle if you have a car payment. Remember, make sure you have the necessary coverage for your car.

If you want some help with getting the Atlanta car insurance you need for your vehicle, let our team know. Message us on LiveChat or give us a call to get in touch. You can also fill out our online form if you prefer. We’re here to help with your Georgia auto insurance needs.

There may come a time when a good friend wishes to borrow your car. Maybe they’re a great friend and they’re a good, safe driver who’s responsible behind wheel. So, without too much hesitation, you decide to agree – your friend just needs a set of wheels for a little bit, and you trust them. You are, however, a little bit curious about the auto insurance situation. Will a friend who borrows your car be covered, and how? We’ll explain.

What happens if a friend borrows my car?

Typically, car insurance will follow the vehicle itself. And that means that your friend would be covered by your auto insurance if they’re borrowing your car. (For that reason, you’ll want to be careful when deciding who’s allowed to borrow your car!)

If your friend only needs to use your car from time to time, your friend likely is covered by your insurance. However, insurance rates aren’t only about your car – they’re also about the primary driver of the vehicle. So, should your friend start driving your car a lot or more than you do, you may want to add them to your policy – that can help you avoid headaches down the, err, road – pun intended.

At any rate, be careful who you lend your car to! You want to lend your vehicle to people who will treat it as if it were their own – ideally, even better than their own.

What if you borrow your friend’s car?

But then there’s the reverse situation – what if you borrow a car from your friend? Well, hopefully, all goes well and you return the car to your friend without a scratch on it. That would probably be best for all involved!

Unfortunately, sometimes things don’t go according to your plans. You might have every intention of returning the vehicle in good condition, and maybe even with a full tank of gas, but what if that plan is rudely thrown off-course?

So here’s a situation – what if you borrow a friend’s car, but you get into an accident? What happens? Well, their insurance would most likely kick in first. (Basically, it’s the reverse of what happened in the previous hypothetical we described where a friend borrowed your car.) So, it might be an awkward conversation with your friend, but yes – it’s likely that they’re going to see their insurance step up first. But – yes, there’s a but – if they don’t have high limits of insurance and the accident exhausts them, your insurance could be up next. Just something to keep in mind before you roll down the street in the borrowed vehicle.

So, in summary, if your friend borrows your car, your car insurance likely follows the car. (So, think hard before handing over your keys to someone!) And to reverse the situation, if you borrow a friend’s car and then get into an accident, their insurance will likely be up first to cover it. If their limits are exhausted, your insurance might step in next. So be prepared for that and maybe have a conversation before any cars are borrowed and driven away.

Speaking of insurance, you can get car insurance quotes by filling out our online form, giving us a call, or messaging us. Our insurance professionals would be happy to help with your insurance needs.

Your car is one of your most valuable possessions, most likely, and you’re determined to protect it. You’re also determined to protect yourself financially in case you get into an accident. To make a long story short, you want to get car insurance. And you’re really after Nationwide car insurance, as you’ve heard a lot about the insurance company that’s on your side. But you’re wondering how to get Atlanta Nationwide auto insurance. We can help with that mission.

How to get Atlanta car insurance from Nationwide.

No matter where you live in the metro Atlanta area – Sandy Springs, Decatur, Kennesaw, Marietta, East Point, Roswell, or any other Atlanta suburb – we can help you get an auto insurance quote from Nationwide. That’s what we do! But how does it work, you ask? Here’s a step-by-step breakdown of the quote process.

1. Let us know you’re looking for Atlanta Nationwide car insurance.

The process starts when you reach out to us and tell us that you need a quote for Atlanta Nationwide car insurance. From there we can get you on your way to getting a policy that suits your needs.

We want to make the car insurance process as easy as possible, so we have a few ways you can contact us.

You can call us.

If you prefer to talk over the phone, all you have to do is give us a call. We’d be happy to discuss your insurance needs by phone – we know sometimes it’s easier to just talk on the phone instead of playing email tag.

You can fill out our online form.

You can also reach out to us with our online form. The form just allows us to gather some information that we need to get your car insurance quote from Nationwide. That way we’re prepared to get right to it and quest for that quote!

LiveChat.

You might not want to talk on the phone or use an online form. Maybe LiveChat messages are more your speed. That’s fine – one of our insurance agents can message back and forth with you if that’s most convenient.

Email/Text.

If your preference is to talk via email or text, we can do that, too. Just tell us that email or text is most convenient for you and we’ll be happy to oblige. Sometimes you have to handle insurance matters on the go!

Life gets busy, and as we want to make insurance easy, we want to communicate through whatever channel is most convenient for you. Don’t be shy about letting us know that you need to email or text.

2. You’ll talk with one of our agents.

The next step is having a quick chat with one of our agents. They’ll have a few questions for you so they can get to know you and understand your situation. We treat each client as an individual with unique insurance needs. At any rate, our agent will talk with you by phone, email, text, or chat to get the information they’ll need to get your Atlanta car insurance quote from Nationwide.

3. We’ll get your quote.

The next thing that happens is that we’ll get your Atlanta Nationwide auto insurance quote – the moment you’ve been waiting for! We’ll take the information you gave us and retrieve that quote for you.

4. We’ll present the quote to you.

Insurance can feel overwhelming, so we won’t just throw the quote at you and leave you hanging. We’ll explain the details of the quote and take the time to answer any questions you might have. This is a serious thing, and we want you to feel comfortable with your car insurance policy and like you’ve got a handle on your coverage.

5. Our team is here for you.

Once you’ve got your Atlanta Nationwide car insurance squared away, we’re not going to vanish into radio silence. If you think of any questions or you need to make adjustments to your coverage, just let us know. We’re here to troubleshoot any insurance requests or issues that come up down the line. Leaving people high and dry isn’t really our style.

And that’s how you get Nationwide auto insurance quotes in Atlanta. You might be in Alpharetta, or maybe Peachtree Corners. Perhaps you live in Milton, or perhaps you’re looking for Nationwide car insurance in Douglasville. You might be a long-time Atlanta dweller or maybe you’re moving to Atlanta. Wherever you are in the Atlanta area, we can help you with Nationwide auto insurance. We’re just a phone call, quote form, or LiveChat away.