Home Insurance • Auto Insurance
The Insurance Center, 1499 Ellis St., Augusta GA • (706) 722-4818

Auto Insurance


Your personal liability limit (for home, auto, rentals, recreational vehicles, etc.) should be set a limit based on your aversion to risk.  How much value in assets do you have?  Are you willing to risk starting over?  Do you have enough years remaining to rebuild your savings if you had to start over?  These are just a few of the questions that need to be answered in considering what liability limit you should have for your insurance protection.  Our skilled and knowledgeable agents can help you with this.

Decisions on coverage

What liability limits should you consider? There are many things you need to consider in choosing these limits:

  • Your net worth
  • Your age & number of working years remaining
  • Your education
  • Your sense of financial responsibility and much more

Please call us to discuss these critical questions in determining the correct limit for you.

How much liability insurance do you need?

How much do you have to lose, and how willing are you to start over? This is the heart of considering how much liability insurance to purchase.

Our agents are well trained in the types of questions to ask you to ensure you get the best coverage for your budget. They will guide you through each choice and make sure you understand the benefits and costs of adding or subtracting particular elements of a policy. Our goal is to make sure you and your family are fully protected and that you won’t be left out of pocket should you ever need to utilize your policy.

If you have any questions about auto coverage, please don’t hesitate to contact us!

Uninsured Motorists and Under Insured Motorists

What percent of drivers are uninsured? What percent are “underinsured”? What factors do you need to consider when choosing these limits? What are your current financial responsibilities to your family? Please call us to discuss.

Unfortunately, a significant percentage of the drivers out there do not have insurance or have only the amount of coverage required by the state. (Some estimates show the two combined to be around 50% of all the drivers on the road.)   Often the person who is driving irresponsibly (driving under the influence, texting while driving, etc.) is also the person who is financially irresponsible in carrying insurance or adequate insurance to cover his negligence.    So if you or a loved one is seriously injured, disabled, have permanent paralysis, or there is a loss of life caused by one of these drivers, where does that leave you?  This is why you need adequate UM and UIM.  Again, our skilled and knowledgeable agents can help you with these questions and solutions.

Controlling losses and injuries with your Vehicles: (Ways to keep your family safe and manage costs)

  • Seat Belts save lives
  • No Texting!

For Young Drivers

B or better average – This is generally the largest discount an insurance company gives for young drivers. Young drivers who are responsible with their school work are more likely to be responsible with driving. And statistics prove this. Why not make a deal with your kids? Earn a B or better average and you can get a driver’s license!

Kids involved in extracurricular activities or part-time jobs after school are involved in fewer accidents. It’s a fact. Kids that have responsibilities after school have less time for mischievous activities. These after school activities and part-time jobs build character, a sense of responsibility and maturity.

Defensive driving course–Always a good idea.

The insurance discount is not that large, but it helps and it gives you another voice telling the young drivers how and why to drive safe.

Vehicle Monitoring Devices

These are available and determine the location of the vehicle, record driving speed, number of miles on the road, etc. It allows a parent to continue supervising the young drivers after they pull out of the driveway.

Aggressive Driving

These are the drivers insurance companies want to cancel or charge excessive premiums. They identify aggressive driving as violations such as speeding and following too close. Accidents that will be considered aggressive driving include rear-enders or single car accidents (losing control of the car).


At what cash value should you stop carrying collision? It depends! Call us to discuss.

What about Other than Collision?

You will definitely want to keep it even after you drop collision. Call us to discuss why.


What should they be? Not that big of a consideration, but let’s take a look at the options.