What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

What happens if an uninsured driver hits you in Georgia?

Georgia does not require UM coverage but roughly 12 percent of Georgia drivers carry no insurance.

What happens if a Georgia crash costs more than my liability limits?

Your insurer pays up to your liability limit and stops. The remaining balance becomes a personal debt collectible through a court judgment.

What should I do if my car is towed to a shop I did not choose?

In Georgia, you have the right to choose where your vehicle is repaired. If it was towed to a facility you did not select, you can request a second tow to your preferred shop, though you may be responsible for additional tow costs.

What does a telematics app actually track?

Mileage, speed, braking and acceleration, time of day, and phone handling while the car moves. Carriers weight the factors differently, and the program terms disclose what is collected and how it is used.

Auto FAQs

When is Progressive the right choice for Georgia auto insurance?

All FAQs

Quick answer: Progressive is the largest commercial auto insurer in the United States and the third-largest personal auto insurer.

Progressive is often a competitive choice for Georgia drivers who want flexible options, usage-based savings, and rates that hold up across a range of driving records. It is a large national carrier that prices a wide variety of driver profiles, which makes it worth comparing whether your record is clean or you have had a ticket or minor accident in recent years.

What types of Georgia drivers does Progressive fit best?

Progressive tends to perform well for drivers with a minor blemish on their record, households with multiple vehicles, and lower-mileage drivers who want savings tied to how they actually drive rather than just their record on paper. Drivers seeking full control over cost through behavior-based discounts find it particularly useful to price out. Our FAQ on how Olive Cover selects a carrier for your profile explains the matching process across the carriers available through us.

How does Progressive's Snapshot telematics program work?

Snapshot is Progressive's usage-based program, which tracks driving habits through a mobile app or a plug-in device and adjusts part of your premium based on how you actually drive. Factors like braking smoothness, time of day, and miles driven influence the discount. Safe, lower-mileage Georgia drivers tend to earn meaningful savings through the program, while high-mileage or late-night drivers may see a smaller benefit.

For example, an Atlanta commuter with one older speeding ticket might find Progressive's Snapshot rate, combined with a multi-policy discount, lower than a carrier that simply surcharges that ticket at a flat rate. The difference can reach several hundred dollars a year depending on the specific driving profile and the carriers being compared.

Does Progressive offer bundling discounts for Georgia households?

Bundling auto with a homeowners or renters policy can lower the total cost across both lines. Progressive offers multi-car and bundling discounts that households with multiple vehicles or multiple coverage types can apply. The exact savings vary by ZIP code, coverage levels, and the specific policies being combined, so comparing the bundle against competitors on identical terms gives the clearest picture of the savings. Our FAQ on specialty personal insurance through Olive Cover covers situations where bundling extends beyond standard home and auto.

How does Progressive compare on uninsured motorist coverage in Georgia?

Georgia requires uninsured motorist coverage unless the insured rejects it in writing under O.C.G.A. 33-7-11, and the minimum limits track the state's bodily injury minimums. Comparing Progressive's pricing on this line against other available carriers gives a more complete picture than base rate comparisons alone, since uninsured motorist pricing varies meaningfully by carrier. Our FAQ on Georgia auto minimum limits explains the state's requirements and why many drivers carry more than the minimum.

When might another carrier beat Progressive's rate in Georgia?

Progressive does not lead on every driver profile. A Georgia driver with a clean record insuring a high-value vehicle may find a carrier that prices the preferred tier most aggressively offers a lower number. The only reliable way to find out is to compare Progressive's quote next to two or three alternatives on identical liability coverage, collision, comprehensive, and uninsured motorist limits.

For example, an Alpharetta homeowner with a clean driving record and a new luxury SUV might get a lower all-in rate from a carrier that targets preferred-tier drivers specifically, while a driver with two moving violations in the past three years might find Progressive significantly more competitive. Progressive is available through Olive Cover, and a free coverage review puts Progressive's rate next to other available carriers on the same terms so you can compare accurately.