Skip to content
Click to Call
Atkinson Casey Agency

Monroe Office
702 E. SPRING ST.
Monroe, GA 30655

Get Directions

Greensboro Office
114 E. BROAD ST.
Greensboro, GA 30642

Get Directions

Should I Switch From Full Coverage Auto Insurance to Liability Only?

If you have full coverage auto insurance, you enjoy the highest level of coverage for your vehicle. However, not all drivers need this level of coverage, so it’s important to ask yourself if this is the right level of coverage for your car.

The professionals at Atkinson Casey Agency, serving Monroe, GA, can help. We answer questions and help our customers shop around so they can find the best level of coverage for their vehicle. Here’s what you need to know.

What is Full Coverage Auto Insurance?

Full coverage auto insurance is a combination of several other types of auto insurance, including comprehensive, collision, and liability insurance, that provides the maximum amount of coverage.

Your vehicle is covered by insurance if you are in an accident, regardless of fault. Your vehicle is also covered if it is damaged in a range of non-collision incidents, and if you hit another driver with your vehicle, the other driver will be covered.

What Is Liability Only?

Liability-only insurance is a type of insurance that pays to repair or replace the other vehicle if you cause an accident. It can also help pay for the other driver’s medical bills related to the accident.

Who Needs Full Coverage?

If you have a car loan, you may be required to have full coverage auto insurance. Find out from your lender if this is a requirement. If you do not have a car loan and you do not have a new vehicle, you may wish to shop around for a different level of coverage. Some drivers want a lower level of coverage as their car gets older because their car declines in value as it ages.

The professionals at Atkinson Casey Agency, serving Monroe, GA, can help. Call today to find out how we can help you.

Primary Factors Behind Rising Auto Insurance Rates

At Atkinson Casey Agency, we field calls about auto insurance daily, often regarding premiums. If you are a licensed driver in the Monroe, GA, area and are concerned about rising car insurance rates, understanding the factors influencing these costs can be beneficial.

Rising Vehicle Costs

With the average price of a new vehicle approaching $50,000, replacing a vehicle has become substantially expensive, contributing to insurance rate hikes.

Increasing Repair Costs

Modern vehicles are equipped with advanced technical and safety features. While enhancing the driving experience, these devices also increase the cost of insuring them. Restoring a damaged vehicle to its pre-accident condition is now more expensive, with fenders previously made of sheet metal now holding cameras and digital devices.

False Claims and Fraud

Insurance fraud and false claims are significant contributors to elevated car insurance rates. Insurance claims should only be used to restore a policyholder to their pre-claim financial state, not to acquire profits.

General Inflation

Consumer prices for goods and services, from groceries to housing, have been rising. Naturally, car insurance premiums are not immune to this overall trend.

Having a Poor Driving Record or a History of At-Fault Accidents

Traffic violations and at-fault accidents can quickly increase car insurance rates. To maintain low insurance premiums, it’s best to drive cautiously and defensively and respect traffic laws.

Get Auto Insurance Quote in Georgia Today

Comparing quotes is one of the most effective ways to keep your car insurance rates manageable. We invite licensed drivers in the Monroe, GA, area to contact Atkinson Casey Agency. Our team is ready to assist you with the necessary information and process steps to get your car insurance quote started.

Partner Carriers


  • American Modern
  • Assurance America
  • Foremost
  • Gainsco
  • Hagerty
  • Insurance House
  • Nationwide
  • Progressive
  • Safeco
  • Travelers