Very few people who declare bankruptcy in Georgia lose their vehicle. You need your car to get to work, so losing your vehicle is not an option (especially here in Georgia).
While you cannot cram down your car in a Chapter 7 bankruptcy you can still choose to reaffirm on your car loan and keep making your payments.
Chapter 13 allows you to cram down not only your interest rate (in some cases) but also the car to the fair market value. Every case is different so you have to do a cost benefit analysis for what makes sense for you.
If you file bankruptcy, there are options that can allow you to keep your vehicle no matter its value. You can also choose to keep, or hand back, a leased or financed vehicle depending on what makes the most sense for you financially.