Auto insurance

Auto insurance with limits that match what you have to protect

State minimum coverage is cheap because it covers very little. We set your limits based on your income and what you own, then find the best price for that coverage.

Liability limits based on your household, not the state minimum
Uninsured motorist coverage explained before you sign
Every driver and discount checked

Start your auto quote

About a minute. No credit check to get started.

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I understand Michael Gordy Financial Services, Inc., DBA INS Insurance Agency, will contact me about my quote by call, text or email, through its own agents, which may include AI agents. I can stop texts anytime by replying STOP, or ask to have my number removed from the call list. Message and data rates may apply. Consent is not a condition of purchase.

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You're in. Want to make the call faster?

Connect your current policy and we'll see what you have today: drivers, vehicles, home details, coverages and limits. It takes about a minute.

Then our call is short. We'll show you what your current policy pays for and what it doesn't, ask what you want covered, and build your quote around that.

Nobody should find out at claim time that their policy doesn't pay for something they thought it did. Seeing your current policy helps us make sure that doesn't happen to you.

You log in through Canopy Connect, not through us. We never see your password, and the transfer is encrypted end to end.

Connect my current policy

No current policy, or rather not? That's fine. We'll call you at the number you gave us.

Coverage

What an auto policy covers

The parts of a policy, from the one the law requires to the ones your lender does.

Bodily injury liability

Injuries you cause to other people. Georgia, Alabama and Tennessee require at least $25,000 per person and $50,000 per accident.

Property damage liability

Damage you cause to other people's cars and property. The state minimum is $25,000.

Uninsured motorist

Pays for your injuries when the other driver has no insurance or not enough.

Collision

Damage to your car from a crash, minus your deductible.

Comprehensive

Theft, hail, fallen trees, fire, flooding and hitting a deer.

Medical payments, rental and towing

Smaller coverages that keep a bad day from turning into an expensive week.

What we teach every client

Three things to get right on an auto policy

Liability should match your life

If you cause a serious accident, the injured person can go after your savings and future wages once your limit runs out. Our guideline is liability equal to 2.5 times household income or your net worth, whichever is greater.

Uninsured motorist protects you

Liability pays the other person. Uninsured motorist pays you when the at-fault driver can't. It's the coverage people reject most often, usually to save a little on premium.

Georgia has two kinds of UM

Georgia offers add-on uninsured motorist coverage, which stacks on top of the at-fault driver's liability, and reduced-by coverage, which subtracts it. Add-on is the default and pays more. Choosing reduced-by takes a signed rejection.

Policy review

On your current auto policy, we check

If your coverage is solid, we'll tell you so and you keep it.

Free tool

Liability calculator

Find your recommended liability limit and see whether you need an umbrella.

Open the calculator →

Bodily injury limits checked against your income and net worth
Uninsured motorist limit, and in Georgia, add-on or reduced-by
Collision and comprehensive deductibles
Every driver listed correctly, including teens and anyone who moved out
Bundle, safe driver, payment and vehicle discounts
Rental and towing coverage

Car warranty

Your auto policy doesn't pay for a blown transmission

Auto insurance pays for crashes, theft and weather. Mechanical breakdowns are left out. A vehicle service contract, often called an extended car warranty, pays for covered repairs after the factory warranty ends. We offer them through Fair Warranty for cars up to 12 model years old and 150,000 miles.

How car warranties work →

Questions

Common questions

Is the state minimum enough?

For most households, no. The minimum is $25,000 per person for injuries. A single hospital stay can cost more than that, and you're responsible for the rest.

Do I need uninsured motorist coverage?

We recommend it on every policy. It's the coverage that pays your own medical bills when the other driver can't.

Does bundling home and auto save money?

Usually. The discount varies by carrier and state. We quote both ways so you can see the difference.

Send us your current policy

We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.

Start a quote Call 678-578-7009