Auto Insurance

ATI offers comprehensive auto insurance policies to Georgia residents at the State's most affordable prices.

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Why Choose ATI Auto Insurance

Finding the best auto insurance plan can be stressful. You’re worried about the kind of coverage you need to get, additional coverage you probably want to get, and how much all of that is going to cost.

Many drivers are unaware of the minimum coverage auto insurance policies need by law. Most are also unaware of the different kinds of coverage they can add to their policy to suit their needs. Because of this, drivers end up spending more than they need to.

ATI has been selling car insurance policies in Georgia for 50 years. Our customers can attest to our dependability and affordability. Choose ATI if your are looking for affordable auto insurance policies and excellent customer service.

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Minimum Coverage Requirements

The minimum requirements for auto insurance vary from state to state. Therefore, you’ll want to double check what your state requires before shopping for insurance quotes. The agents at ATI Insurance are happy to tell you the minimum requirements in for Georgia, but it doesn’t hurt to have an idea before speaking with an agent.

Although states have different minimum requirements for auto insurance, there are common coverage requirements you’ll see across different states. These include:

  • For both bodily injury (BI) and property damage (PD).
    • Liability insurance is necessary to cover the other driver’s/drivers’ medical and auto repair costs when you are at fault in an accident. Most insurers bundle the two types of liability coverage together. While other common requirements on this list vary, almost all states require liability coverage.
  • This is common in no-fault states where liability does not have to be proven.
    • PIP insurance covers your own medical costs. However, it does not cover auto repair costs.

This covers you if the other driver was at fault but doesn’t have the coverage to pay for damages to your vehicle or yourself.

Note that this kind of coverage can also vary from state to state. In Florida, for example, PIP only covers medical costs but does not cover auto repair costs. However, in Texas, it covers both auto repair and medical costs. Check with your state to make sure.

Minimum Coverage Limits

Along with the minimum types of coverage you need, there are also minimum coverage limits. For example, your state may require your coverage to have a minimum of $25,000 in bodily injury per person, $50,000 in bodily injury per accident and $10,000 in property damage.

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auto insurance ati broker atlanta georgia cheap auto insurance

Minimum Coverage Requirements

The minimum requirements for auto insurance vary from state to state. Therefore, you’ll want to double check what your state requires before shopping for insurance quotes. The agents at ATI Insurance are happy to tell you the minimum requirements in for Georgia, but it doesn’t hurt to have an idea before speaking with an agent.

Although states have different minimum requirements for auto insurance, there are common coverage requirements you’ll see across different states. These include:

  • For both bodily injury (BI) and property damage (PD).
    • Liability insurance is necessary to cover the other driver’s/drivers’ medical and auto repair costs when you are at fault in an accident. Most insurers bundle the two types of liability coverage together. While other common requirements on this list vary, almost all states require liability coverage.
  • This is common in no-fault states where liability does not have to be proven.
    • PIP insurance covers your own medical costs. However, it does not cover auto repair costs.

This covers you if the other driver was at fault but doesn’t have the coverage to pay for damages to your vehicle or yourself.

Note that this kind of coverage can also vary from state to state. In Florida, for example, PIP only covers medical costs but does not cover auto repair costs. However, in Texas, it covers both auto repair and medical costs. Check with your state to make sure.

Minimum Coverage Limits

Along with the minimum types of coverage you need, there are also minimum coverage limits. For example, your state may require your coverage to have a minimum of $25,000 in bodily injury per person, $50,000 in bodily injury per accident and $10,000 in property damage.

Get Quote

Other Common Types of Coverage

While these types of coverage may not be required by your state, many drivers choose to include them in their policies as a safety net.

Comprehensive Coverage

Comprehensive insurance covers any damage to your car that wasn’t caused by a collision. This can include:

  • Natural disasters (fires, flooding, etc.)
  • Vandalism/theft
  • Damage done by animals
  • Civil disturbances (like riots)
  • Fallen objects

Although comprehensive coverage is optional for vehicle owners, it is typically required for vehicles with a lien or leased vehicles. The same is true for collision coverage.

Collision Coverage

Collision coverage covers damage to your vehicle from an accident. Because liability insurance only covers damage to other vehicles and comprehensive coverage does not cover damage from accidents, this picks up where the other two leave off.

Collision coverage is smart to have when uninsured/underinsured motorist coverage won’t cover any or all of the damage to your vehicle.

Both collision and comprehensive coverage come with deductibles, which is the amount you pay out of pocket before the policy kicks in. The most common deductibles are $500 and $1,000, with higher premiums for lower deductibles.

To learn more about the different types of auto insurance coverage offered at ATI Insurance, call us today at 404.875.4700!

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auto insurance ati insurance atlanta georgia quotes broker
auto insurance ati insurance atlanta georgia quotes broker
Collision Coverage

Collision coverage covers damage to your vehicle from an accident. Because liability insurance only covers damage to other vehicles and comprehensive coverage does not cover damage from accidents, this picks up where the other two leave off.

Collision coverage is smart to have when uninsured/underinsured motorist coverage won’t cover any or all of the damage to your vehicle.

Both collision and comprehensive coverage come with deductibles, which is the amount you pay out of pocket before the policy kicks in. The most common deductibles are $500 and $1,000, with higher premiums for lower deductibles.

To learn more about the different types of auto insurance coverage offered at ATI Insurance, call us today at 404.875.4700!

Get Quote