Clear options, fast quotes, and a team that actually picks up the phone
We help you choose coverages that protect your budget and your daily life. Expect straight talk on limits and deductibles, quick paperwork, and follow-through at claim time. Bundle with home insurance or condo insurance to unlock additional savings.
Most quotes in minutes with the info you already have.
We explain coverages in plain English—no jargon, no upsell pressure.
Local help if something goes wrong, from fender-benders to major storms.
Build a policy that actually fits your risk
Liability (BI/PD)
Pays others when you’re legally responsible for injury (bodily injury) or property damage. Higher limits protect income, savings, and future earnings. Many households choose limits above state minimums for real-world protection.
Collision
Repairs or replaces your vehicle after a crash with another car or object, regardless of fault. You’ll pick a deductible; a higher deductible generally lowers your premium.
Comprehensive
Covers non‑crash losses like hail, wind, flood, fire, theft, vandalism, and falling objects. Often paired with Collision when your vehicle still has meaningful value.
Uninsured/Underinsured Motorist (UM/UIM)
Protects you and passengers if you’re hit by a driver with little or no insurance. In many cases it mirrors your liability limits and can be the most important add‑on you buy.
Medical Payments (MedPay)
Helps pay medical bills for you and your passengers after an accident, regardless of fault. Useful if you have high-deductible health insurance or want extra cushion for out‑of‑pocket costs.
Popular Endorsements
Rental Reimbursement (paid rental car while yours is in the shop), Roadside Assistance (tows, jumps, lockouts), New Car Replacement and Custom Equipment where eligible.
Storms, hail, and mixed driving environments
Alabama and Georgia drivers face a blend of rural highways, busy metro interstates, and seasonal severe weather. Spring and summer storms can bring hail and wind; fall brings deer activity; year‑round, traffic density varies widely. These conditions influence how we balance deductibles and coverages.
- Comprehensive & deductibles: If hail or wind claims are a concern, consider a moderate deductible you’re comfortable paying quickly.
- Liability & UM/UIM: Higher limits make sense where interstate speeds and medical costs are significant.
- Collision choices: On older vehicles, removing Collision may be sensible once the car’s value drops below your annual premium + deductible.
Common ways to lower your premium (without underinsuring)
Bundle with property
Combining auto with your home or condo can deliver sizable multi‑policy savings and simplify billing. Even renters can benefit when packaging policies together.
Safe driver / claims‑free
Maintaining a clean record typically reduces rates over time. Defensive driving courses can help in certain scenarios; ask us if one makes sense for you.
Telematics‑ready
Usage‑based programs may reward smooth braking, steady speeds, and limited late‑night driving. Opt in when it fits your habits; it’s not for everyone.
Autopay & paperless
Set‑and‑forget payments and digital documents can trim costs and prevent accidental lapses that might spike your rate later.
Paid‑in‑full
Paying the term upfront typically lowers total cost compared with monthly installments. We’ll price both ways so you can choose.
Right‑sized deductibles
Raising deductibles lowers premium, but don’t push them beyond what you could comfortably pay tomorrow. We’ll model options before you decide.
Auto insurance questions we answer every day
What liability limits do you usually recommend in Alabama and Georgia?
State minimums are designed to make policies legal, not necessarily adequate. Many households choose higher limits to protect wages, savings, and future earnings after a serious accident. If you own property, have significant income, or regularly drive interstates, consider higher bodily injury and property damage limits, plus matching UM/UIM. We’ll price a few tiers side‑by‑side so you can see the cost difference and choose confidently.
How do deductibles affect my premium?
Deductibles are what you pay out of pocket before coverage kicks in. Higher deductibles usually mean lower premiums, but they should always match your cash‑on‑hand. For hail‑prone areas, a moderate Comprehensive deductible can prevent surprises. For Collision, raising the deductible often makes sense if the vehicle’s value is declining. We’ll show several options so you can balance savings with practical affordability.
What does UM/UIM cover?
Uninsured/Underinsured Motorist coverage helps when the other driver has little or no insurance. It can pay for medical bills, lost wages, and, in some cases, property damage depending on the specific form. Because medical costs and litigation can be significant, many drivers choose UM/UIM limits that mirror their liability limits. It’s an important layer that protects you, not just other people.
How can I lower my rate without underinsuring my car?
Start with bundling and autopay/paperless. Next, confirm that liability and UM/UIM limits are appropriately high, then explore deductibles that fit your emergency fund. Consider a telematics program if your driving patterns are steady and daytime‑heavy. Finally, review vehicles you’re insuring—dropping Collision on an older car may make sense while keeping Comprehensive for hail and theft risks.
What documents do I need to get an auto quote?
Driver’s license info for each driver, garaging address, prior insurance details (if any), and vehicle VINs or year/make/model. We’ll also ask about mileage and usage. If you’ve had tickets or accidents in the last few years, approximate dates help us price accurately. With that, most quotes take only a few minutes.
What are the first steps if I have a claim?
Make sure everyone is safe, contact authorities if needed, take photos, and collect the other driver’s info. Then call us—we’ll help you start the claim and outline next steps like repairs, rental reimbursement, and medical care. Keep your policy number handy and avoid admitting fault at the scene. Our role is to make this process as smooth as possible.
Real feedback from our community
“Lexi was very patient and helpful when I stopped by yesterday to ask multiple questions. She is truly an asset to your office!”
— Teresa Gardiner
“Customer service at Cody Coffey’s Center office is amazing, a lost art, a total delight. Give them 1000 out of 100 :). Friendly, knowledgeable. So grateful to have found them when moving to a new town.”
— Steve Smith
“I was with this agency for several years and had nothing but positive experiences with Cody and the other agents. When I had to move out of state, Kathy made it incredibly easy to end my Georgia policy and settle things up. I can't recommend them enough.”
— Ricky Salas
Ready for a clearer, smarter auto policy?
Start online or talk with a friendly local agent today.
Alabama: 256-407-6008 | Georgia: 706-780-6554