Auto Insurance

Hitting the Road in Georgia?

Georgia law requires all drivers to have, at a minimum, liability coverage for Bodily Injury and Property Damage. But there are additional coverage options that are also essential for motorists. Fleming & Riles Insurance can help you find the right automobile and motorcycle coverage options for your specific needs and budget, so get started today!

What Is Auto Insurance?

Auto insurance is a contract between you and the insurance company protecting you against financial loss if you have an accident. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.



Property coverage pays for damage to or theft of your car.


Liability coverage pays for your legal responsibility to others for bodily injury or property damage. This is the legal minimum for coverage.


Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages, and funeral expenses.

 A basic auto insurance policy is comprised of six different kinds of coverage – Bodily Injury Liability, Medical Payments or Personal Injury Protection, Property Damage Liability, Collision, Comprehensive, Uninsured and Underinsured Motorist Coverage – each of which is priced separately. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have additional requirements.

5-Star-Safety-Rated Cars Protect You On The Road.

Auto Insurance Protects You At The Bank.

  • If you’re in an accident or your car is stolen, it costs money – often a lot of money – to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Where’s the Online Price Quoter?

We know those online 30 second insurance quoters are fast, easy, and convenient. But choosing speed over accuracy can wind up costing you in the long run.

Quick quotes are fine in general, but online companies can leave out cost-cutting options while leaving in factors that assume higher risk – all resulting in a pricier policy. Not to mention that the information you provide can be sold to other companies, resulting in a flood of unwanted calls and solicitations!

We Simplify the Search

Fleming & Riles agents simplify the search process of finding just the right insurance for you. We’ll walk you through the policy options and work with you one-on-one to evaluate your risks and help you decide what insurance plan will best fit your budget and unique needs. We’ll shop and compare policies from multiple insurance carriers until we find awesome protection at the best possible price.

Contact Us Today to Start Your Quote!