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Top 6 ways for you to save on auto insurance in Georgia

Living and driving in Georgia can be a hassle if you take into consideration Georgia auto insurance laws. With so many regulations and compulsion of getting insured, incurring no cost at all is impossible. This in turn means that you would now on have to deal with monthly premiums and other related costs.

This thinking although somewhat acceptable but is not completely true. The biggest problem now-a-days is that people make the price of the policy their standard of deciding whether it is good or not. This factor although matters, is not the only important aspect to be inspected while judging the policy. This lack of information results in people paying more than they have to; resulting in wastage of resources.

Stop being lazy and shop around in search of the right auto insurance policy that fulfills your needs. Here are some guidelines mentioned by the Georgia Department of Insurance that lets you save $100 on your auto insurance policy within a year. So if your hard earned currency holds value to you then you would adhere to the following:

GeorgiaAutoInsurance1. Price is not the only factor- just because the company is offering you low rates, does not mean that you should choose it with your eyes closed. Make sure that the company and the agent are licensed by the Georgia insurance department. Considering the probabilities of insurance frauds, a non-licensed company might be useless when you need it. The next features that you need to take into consideration regarding the company are its financial position ad stability and the level of its customer service. If the company is not financially stable then there are chances that it might liquidate in the future or it might lack sufficient funds to pay off any claim against you, when you require them. There might be some who would fulfill the above criteria, but their customer service will be incapable to deal with your problems and claims on time. A delay can cause problems with the court where the claim is filed. You can easily attain all this information from the website of the Georgia insurance department, rather searching extensively throughout the internet.

2. Avoid buying unnecessary coverage- there are certain coverage that you are liable to attain as per Georgia auto insurance laws like auto liability insurance. This is to protect the rights of the other person in the accident; caused by your negligence. In addition to this there is numerous other coverage that are at the option of the insured. If you think about being safe than sorry, the premium cost would be extremely high leaving you with nothing. It is better to ponder on the options available and rule out those which are applicable in situations which are least likely to occur. For example if your car is old and already has a low market value, then it does not seem smart to spend a high amount of premium on comprehensive or collision coverage. While on the other hand, if you have purchased the vehicle on installments, the seller might require you to attain collision coverage, before making the deal.

3. Consider an increased rate of deductible- most people tend to avoid high deductibles and prefer policies that provide low deductible. This is a layman approach. It might sound logical to some that since they are getting an insurance policy it is better that they do not have to pay a single penny out of their own pocket, and the insurance should pay for nay damages and repair in case an accident occurs. This is not possible, since in every policy there is a deductible clause. This mentions the cost the insured would have to bear on his own if any circumstance occurs where a claim can be initiated. Since, the insured has to pay some amount out of his pocket; they choose the next best thing, that is to go for the least value of deductibles.  This in turn reflects in a higher amount of premium and greater amount of payments to be made until the insurance can be used. It is better to select a policy with higher deductible to the extent that you consider affordable for you.

GeorgiaAutoInsurance4. Inquires about the probability of discounts- under certain circumstances an insurance company might offer you a discounted amount of premium. Each company has different policies to determine who is eligible for it and who is not. These mostly include circumstance that reflects upon the company that the chances of a claim by the person are quite less. This might be because the person has got special certificates of defensive driving; signifying you an advanced level of driving; or because of an age factor. It is better to consult your agent on such criteria and your eligibility.

5. TAIPA plan- there are certain people whose low grade driving skills make them a threat to themselves and others on the road. In such circumstances the Tax Automobile Insurance Plan Association makes it mandatory to get auto insurance coverage as a legal obligation. They also prescribe the company they are required to get insured by. In such circumstances the person cannot decide his own insurance provider. But if that person has been insured by the company prescribed for three years and has not gained a ticket or committed nay road offense, then you get cut off from the TAIPA list and get insurance for a decreased premium rate. The criteria to be covered by TAIPA are to be rejected from two companies to get insured.

6. Compare the quotes of different companies- rather than getting a quote from a single company and spending all your time pondering and researching on it; it is better to attain quotes from different companies and compare them among each other to make best possible choices. (2)

You do not even have to go up and contact numerous companies, just type your ZIP code in the above box and get all the information in a mere 3 minutes. Compare all you want with no cost and reliable information!

Common Mistakes That People Make When Buying Auto Insurance In Georgia

Auto insurance in Georgia covers a vast variety of circumstances to provide the driver with the mental peace. In addition to this, the auto insurance law of Georgia also compels a person to have insurance. Different requirements are set for different people. If you are liable to carry insurance, then it is better to be aware of the circumstances in which it will be effective; so that you can convert your legal obligation to a personal asset.

If you observe most of the policy coverage that are generally available these days, it is observed that there are six basic types of auto insurance coverage. There are planned on the basis of the most common types of road accidents. In addition to these, there might be some extraordinary circumstances in which you can get covered in your policy. It depends on you whether you choose minimum coverage or an extensive package. You can check whether you have gotten the right policy and rates by comparing it with the other auto insurance in Georgia.

One needs to have the basic knowledge about the coverage so that they do not get “over-insured”. This might result in payment of higher premium; even though the probability of utilizing that clause of the policy in reality. Here are the general concepts regarding the basic types of coverage of auto insurance in Georgia.

1. Liability coverage: every driver in Georgia is liable to get liability coverage of minimum 60, 000. This does not cover any damage done to you or your vehicle or any property under your name. if you ever have been in an accident in which you were found guilty of being at fault, then this covers the damage caused to the other person and his property. Most of the time, the minimum liability coverage is insufficient to completely compensate the other person’s damage. This provides the coverage whether you are driving your own car or somebody else’s car.

2. Property damage liability:  this is the extension to the liability coverage clause. This covers the damage done to the property of the third party in an automobile accident, in which you were found guilty of being responsible for it. The minimum state limit set by Georgia authorities for property damage is $25,000. You get insurance for a higher amount. A deductible might be a part of this. This protects you from any future damage that you might be sued for.

3. Comprehensive coverage: this comprehensive coverage in Georgia covers different type’s circumstances that might result in your car getting damaged other than normal circumstances in which the damage occurs due to collision with another car. These might include hurricanes to other natural disasters. This would also come into action if the vehicle gets stolen or have a collision with animals.

4. Collision coverage: the name is self-explanatory. This covers the damage incurred by you in collision with some other vehicle or stationary object. Some policies also provide coverage for damages after moving over some hole or turn upside down due to any reason. Their primary action is to pay for any repair cost incurred in bringing the vehicle in proper working condition. If the vehicle cannot be repaired, then the insurance providers provide the amount equal to the current value of your vehicle.

5. Gap insurance: it is observed that when a new car is bought it loses its value quickly. This insurance covers any damage incurred by the car during this period of rapid depreciation. This is also called lease insurance. This is important since the normal coverage only reimburses the amount equal to the current value of the car.

6. Rental insurance: this is a rare occurrence, since numerous policies would not cover you if you become a part of an accident while driving a rental car. Such policy covers laws relating to different types. This might provide personal as well as liability coverage. Although it does not cover provision of a rental vehicle when you car gets damaged.

7. Physical damage coverage: this includes comprehensive, collision and theft coverage. Georgia requires every person to carry a minimum amount of damage. This is effective when your car is under the process of repair but allows you to be prepared for future fatalities and auto issues in general.

8. Uninsured driver coverage: if you get in an accident in which the other party is at fault but it does not have any insurance coverage to protect you; then covers the cost of any medical damage incurred by you or the people travelling with you.

9. Fire and theft coverage: In 2010, 68,220 stolen vehicles were reported in Georgia; with the value of $635,570,078. That is why it is smart to get theft and fire coverage in Georgia. The cause of fire might be varied, even if the fire occurred due to collision.

10. Bodily injury liability: If an accident caused by you results in any other person injured, then you can use this to compensate any damages that you might be sued for. This does not give any benefits to you or any other driver mentioned in your policy. This might include the injured person’s medical bill, rehabilitation and nay other therapies required. The minimum liability of Georgia authorities is $30,000.

11. Personal injury protection: It is also called medical payment insurance. It provides similar coverage like bodily injury liability. The main difference lies in the fact that it covers medical and health costs for you, in case of an accident. This can work in hand with your medical insurance. You might be lawfully liable to get this insurance. This is a great way to ensure extra protection.

Now that you have acquired the basic knowledge about the different types of coverage at your expense, it is time to find out that are you smartly insured or are being taken advantage of by your insurance provider. Just add your ZIP code in the box above, and within 3 minutes you would get all the information from different policy providers with regards to their cost.

Georgia Auto Insurance Laws That Everu Car Owner Needs T Follow

Is your vehicle insurance premium burning a hole in your pocket? Well there is good news for those of you who are on the lookout for ways to reduce you vehicle insurance premiums. With the advent of the online market insurers and service providers have set up online portals from where customers can get some fabulous insurance quotes. However if you are a bit patient and spend some time on research before rushing to buy your vehicle insurance coverage then you stand a good chance to get an even better deal. Mentioned below are a few tips that could help you get some great discounts online.

Is your vehicle insurance friendly?

Well, this might not work for everyone but in case you are just about planning to buy your vehicle, it would be wise move to select a model that would be insurance friendly. There are certain models for which insurers charge a higher premium while certain models attract a lower premium. This classification is based on the previous claim experiences of the insurer. Hence, before you buy a new vehicle do spend time researching whether it is insurance friendly.

Set your deductibles from coverage

Before you buy your insurance coverage, spend time on understanding what are the deductibles that came from a part of your coverage. What you need to understand while buying you policy is that the deductibles in your policy are directly linked to your coverage premium. In case you increase your deductibles the premium on your policy goes down and vice versa. However you need to keep in mind the fact that if your deductibles are very high you could end up on the losing side in case of a major claim.

Plan your mileage in advance

One of the easiest options that you could choose to get cheap Georgia auto insurance quotes online is to plan your mileage in advance. Insurance companies tend to lower the coverage premiums on vehicles that tend to have lower mileage needs. This is obvious because the lower the mileage the lower are the chances of the vehicle meeting with an accident. Hence spend some time analyzing your annual requirements and ask the insurer for a discount on your premium if you are opting for a lower slab.

Avoid unnecessary coverage from your policy

Most often a lot of customers don’t even tend to read the coverage’s that are included in their policy. This lack of awareness leads to a number of unnecessary coverage’s that are included in their policy. Before you purchase your coverage make sure that you know the inclusions in your policy. It would also be a wise to move to make shortlist of the coverage’s that you would like to be a part of your vehicle insurance policy. Once you have this list ready compare it with the coverage’s that you insurer provides and select those coverage’s that you deem necessary. However do not omit any coverage that is mandatory under the Georgia Auto Insurance Laws.

Take a sneak peek at some great rates for your vehicle insurance by entering your zip code in the box given above.

DUI Stages Of Conviction In Georgia

Just like all other states of America, Georgia also implies different driving laws. Some of the most important and famous laws are DUI and DWI. These terms could be used in place of each other and DUI laws in Georgia are strictly imposed. DUI means driving under the influence; this influence could be of any drug or alcohol or anything. The most DUI law is imposed due to driving under the influence of alcohol. The penalties for this particular offense are extremely strict and it is highly recommended for you to make sure that you are never caught driving under the influence.

DUI charges are based on the BAC test; this test is performed through your breath, urine or blood. If BAC is above than .08, then drivers are charged with DUI law. This BAC value differs with the age. For the BAC test, ages are categorized in two different categories. Drivers under the age of 21 would be alleged with this DUI conviction if its value is higher than .02 and for older than 21 years its value should not exceed from 0.08, otherwise you will be alleged with DUI charges. There is a 3rd category as well which value should not be increased from 0.04 %, this category is called commercial category.

There are different stages of the convictions of DUI in Georgia. It does not depend on anything else but the number of offenses you have faced due to DUI in a specific time period.

The last stage of the conviction of DUI (driving under the influence)

AutoInsuranceInGeorgiaThis is the last stage of DUI; your license will be suspended for the longest time possible and there is a good chance that you might even face jail charges against you for continually breaking the law. If you have been convicted against DUI offense for the fourth time, then according to the DUI laws in Georgia, 2008 for drunk drivers, you will be fined from minimum $1000 to maximum of about $5000, which goes on to show how high these penalties are. Moreover, you will also be jailed starting from 1 year to 5 years. Just in case you are alleged for the felony offense in documents, then there is a good chance that you would have to go to some community services and take up community service programs for at least 60 days to have your name cleared. This is not the end as you will have to be a part of a complete treatment program. The charges truly are very strict and getting your registration reinstated is a true hassle. Instead of putting up with so many issues, it is just better for you to make sure that you never drive while being under the influence as it would not just ruin your life, it might harm others too just in case you get in to an accident. Remember, accidents that occur due to rash driving while being under the influence generally tend to be fatal, and it is necessary for you to avoid them right from the beginning.

The second last stage of DUI

This stage is not worse like the fourth stage, but it has its own drawbacks and penalties that are truly very strict and hard. If you are convicted for a DUI offense for the third time continually, then your license will be expired and suspended for the next five years of your life, which is the worst thing ever and you have to reinstate your driving license for $210 and you will be fined about $1000 to $5000 as well. Not being able to have your license reinstated for a full five years means that you would not be able to drive for such a long time! Moreover, the penalty of a DUI offense for the third time does not end here. You also need to have minimum 30 days community service with complete treatment program and newspaper coverage of yours.

First and second DUI offense

If you are convicted DUI offense for the first time you will be charged with DUI charges according to Georgia laws but it will be a kind of warning. You would be jailed for 24 hours to one year with a fine of $300 to $1000. Your license would be suspended for 1 year at least and you have to go to the community center at least for 40 hours. In comparison to these if after first offense you are charged for it again then you could be jailed for 3 days to 1 year and fine would be $600 to $1000. You have to go through the whole treatment program and if the court allows then you will be charged with ignition interlock device. (1)

Instead of having to put up with so many hassles and having to waste such a lot of money over penalties and reinstatement fee, it is better for you to just remain safe and never drive while being under the influence. All of these penalties are really very difficult and your credit score is going to be destroyed for life. The worst part is that your auto insurance company might also back out and they might not be interested in offering auto insurance in Georgia to you because of your reckless driving while being under the influence. You would be considered a highly dangerous driver and no auto insurance company would want to associate themselves with you.

In short, no matter what stage of life you are at the moment or what states you are in you need to follow the laws and regulation of that state. To save yourself and others from all this fatigue you need to avoid any kind of drugs or alcohol while driving. Another major reason here is that you would be endangering your whole driving career as it would be tarnished for life. Enter your zip code in the box above to learn about other methods of reducing your car insurance rates in GA.

Detailed Analysis About DUI Stages Of Conviction In Georgia

Just like all other states of America, Georgia also implies different driving laws. Some of the most important and famous laws are DUI and DWI. These terms could be used in place of each other and mostly in Georgia, the DUI law is imposed. DUI means driving under the influence; this influence could be of any drug or alcohol or anything. The most DUI law in Georgia is imposed due to driving under the influence of alcohol. The penalties for this particular offense are extremely strict and it is highly recommended for you to make sure that you are never caught driving under the influence.

DUI charges are based on the BAC test. This test is performed through your breath, urine or blood. If BAC is above than .08, then drivers are charged with DUI law. This BAC value differs with the age. For the BAC test, ages are categorized in two different categories. Drivers under the age of 21 would be alleged with this DUI conviction if its value is higher than .02 and for older than 21 years its value should not exceed from 0.08, otherwise you will be alleged with DUI charges.  There is a 3rd category as well which value should not be increased from 0.04 %, this category is called commercial category.

There are different stages of the convictions of DUI in Georgia. It does not depend on anything else but the number of offenses you have faced due to DUI in a specific time period.

The last stage of the conviction of DUI (driving under the influence)

In the last stage of DUI, your license will be suspended for the longest time possible and there is a good chance that you might even face jail charges against you for continually breaking the law. If you have been convicted against DUI offense for the fourth time, then according to the DUI laws in Georgia 2008 for drunk drivers, you will be fined from minimum $1000 to maximum of about $5000, which goes on to show how high these penalties are. Moreover, you will also be jailed starting from 1 year to 5 years. Just in case you are alleged for the felony offense in documents, then there is a good chance that you would have to go to some community services and take up community service programs for at least 60 days to have your name cleared. This is not the end as you will have to be a part of a complete treatment program. The charges truly are very strict and getting your registration reinstated is a true hassle. Instead of putting up with so many issues, it is just better for you to make sure that you never drive while being under the influence as it would not just ruin your life, it might harm others too just in case you get in to an accident. Remember, accidents that occur due to rash driving while being under the influence generally tend to be fatal, and it is necessary for you to avoid them right from the beginning.

The second last stage of DUI

This stage is not worse like the fourth stage, but it has its own drawbacks and penalties that are truly very strict and hard. If you are convicted for a DUI offense for the third time continually, then your license will be expired and suspended for the next five years of your life which is the worst thing ever and you have to reinstate your driving license for $210 and you will be fined about $1000 to $5000 as well. Not being able to have your license reinstated for a full five years means that you would not be able to drive for such a long time. Moreover, the penalty of a DUI offense for the third time does not end here. You also need to have minimum 30 days community service with complete treatment program and newspaper coverage of yours.

First and second DUI offense

If you are convicted DUI offense for the first time, you will be charged with DUI charges according to Georgia laws but it will be a kind of warning. You would be jailed for 24 hours to one year with a fine of $300 to $1000. Your license would be suspended for 1 year at least and you have to go to the community center at least for 40 hours. In comparison to these if after first offense you are charged for it again, then you could be jailed for 3 days to 1 year and fine would be $600 to $1000. You have to go through the whole treatment program and if the court allows then you will be charged with ignition interlock device.

Instead of having to put up with so many hassles and having to waste such a lot of money over penalties and reinstatement fee, it is better for you to just remain safe and never drive while being under the influence. All of these penalties are really very difficult and your credit score is going to be destroyed for life. The worst part is that your auto insurance company might also back out and they might not be interested in offering auto insurance in Georgia to you because of your reckless driving while being under the influence. You would be considered a highly dangerous driver and no auto insurance company would want to associate themselves with you.

In short, no matter what stage of life you are at at the moment or what states you are in you need to follow the laws and regulation of that state. To save yourself and others from all this fatigue you need to avoid any kind of drugs or alcohol while driving. Another major reason here is that you would be endangering your whole driving career as it would be tarnished for life. Enter your zip code in the box above to learn about other methods of reducing your car insurance rates in GA.

Facts About Georgia Car Insurance Laws

Each state has its own set of insurance laws from which large numbers are pretty similar or same. Georgia car insurance laws, at least good percentage are in compliance with most of the insurance laws in the other states. However, there are few insurance laws in Georgia that are typical for only few more states. Everyone that purchases auto insurance policy in Georgia needs to comply with Georgia’s insurance regulations if he wants his vehicle to be registered. Not complying means that you will drive your vehicle illegally and there is a big chance that you will be penalized for that.

According to the state if a Georgia auto insurance regulation, every driver is obligated to obtain both types of coverage. In addition to that, everyone in your household that uses the auto needs to possess such coverage or have proof of it when using the vehicle. The point is that the insurance coverage is needed per person rather than per car. However, there are few exemptions to this regulation. That is in cases when the vehicle is salvaged, wrecked, junked, when the lease is terminated or the ownership is transferred to another state. The exemption is applicable to owners of motorcycles and agricultural vehicles used for season work as well.

In case that none of the mentioned exceptions is applicable to your situation, you and every one of your family that uses the car are obligated by law to obtain injury liability coverage. According to the car insurance law in Georgia, the minimum coverage for one person is at least $25.000, for more persons per accident the minimum is $50.000 and for damage property the minimum is set at $25.000. That is commonly known as 25/50/25.

The state of Georgia is not a no-fault state. That means that in case of a car accident, the involved parties are not obligated to cover their own medical or other expenses cause by the accident, if any. Only the driver who caused the accident through his insurance policy pays the bill. In addition to that, the innocent party has the legal right to seek further compensation from the party who is found at fault.

The best way to be sure that you are fully covered is to buy a bigger insurance policy. The thing is that the minimum required basic policy is rarely enough to cover any expense that is having in mind how much hospitals charge for a simple procedure or what if you hit some luxury car. The $50.000 in that case is just a fraction of the cost and it may easily be required to pay from your own pocket for the rest of the bill.

Getting a good rate on any auto insurance policy in Georgia is not as hard as one would think. The best way to do so is by getting quotes from different insurance companies.

If you wondered how to do so, just look above on this same page and you will see a sign that says enter your zip code. Once you see it simply enter your zip code and you will get plenty of quotes from a number of companies.  Find the lowest for the coverage you had in mind and you will be sure that the car insurance laws in Georgia won’t make you awake at night.

Factors You Should Know About Georgia Auto Insurance Laws Before Getting A Policy

Auto insurance laws are rather strictly enforced in the state of Georgia, for which reason it is necessary for you to make sure that you never drive your car insurance having an insurance policy at hand.

It is necessary for motor vehicle owners that are situated in Georgia to continually make sure that their mandatory auto liability insurance coverage over their cars are regularly maintained. The vehicle needs to be legally driven, should have a Georgia based license plate or tags, and the tags should be renewed, replaced or even transferred to the original owners name.

In terms of the minimum amount of Georgia auto insurance that you need to carry, well that is subjected to about $25,000 for every person in terms of bodily injury, around $25,000 for every accident for property damage, and about $50,000 for bodily injury that might occur on around a minimum of two people. However, if you ever get involved in a serious offense and cause major damage, than you are bound to find that these insurance requirements would not suffice.

In order to satisfy the requirements of law, every single car being driven in the state of Georgia needs to possess at least this basic minimum auto insurance coverage. For those that are interested in renting a car in this state, by law, the rental company needs to provide the necessary liability auto insurance to the state. However, just in case the current car insurance policy in Georgia states that you own does not cover auto insurance that is meant for rental cars, then it is necessary for you to acquire liability auto insurance straight from the company from which you are renting the car.

If you allow your GA auto insurance to lapse, not only would you be susceptible to stiff penalties, there is also a fair chance that the automobile registration of your car might be suspended by the authorities. A lapse in the state of Georgia basically occurs when 10 continuous days pass by without you having auto insurance coverage. In terms of a lapse, you will be subjected to a $25 penalty lapse fee together with a reinstatement fee that comes to about $60. Both of these need to be paid before having your license plates renewed. The fees would continue to increase in terms of a second or third offense, so you need to be really very careful. By the third offense, you can rest assured that your reinstatement fees would be reaching up to about a full $160. You will also be charged with a misdemeanor just in case you are caught driving around with a registration that has a suspended status.

The state of Georgia is basically known to follow what is known as a Tort system which basically implies that you are not required to acquire PIP or personal injury protection insurance coverage. You also do not need to acquire Uninsured/Underinsured motorist coverage or UN/UIM. However, there are a plethora of people across Georgia that purchases this to enhance their auto insurance policies.

If you wish to acquire the best quotes from Georgia auto insurance laws, just enter your zip code and our partners will offer the top quotes for free!

Important Things To Discover About Georgia Car Insurance Law

Georgia is known for many things and for some for its strict enforcement of its car insurance laws. Georgia auto insurance laws are pretty specific and are much different than the parallel laws in other states. The important thing to remember is not to drive without the minimum required insurance or with suspended, cancelled or revoked tag. Each of the vehicle owners and lessees in Georgia are obligated to possess continuous car liability insurance policy on their vehicle/vehicles in order to:

–              Replace, renew or transfer their current Georgia license tags (plates).

–              To register and possess Georgia license tags (plates).

–              Legally drive their vehicles in the state of Georgia.

According to Georgia auto insurance laws, every driver on its roads needs to possess insurance policy that covers $25.000 for bodily injury, $50.000 for bodily injury, per accident is there are two or more people involved, and at least $50.000 per accident in case of property damages. Unfortunately, in many cases, these insurance requirements are far from enough for many serious accidents.

Rental auto insurance requirements: The state of Georgia requires every car on its roads and highways to possess at least the minimum car insurance coverage. Rent-a-cars as such are no exceptions. In case you are staying in the state of Georgia and you rent a car for whatever purpose, the rental company is obligated by law to provide you with insurance policy. If the GA car insurance policy that you possess or your credit card is not enough to cover auto insurance for rentals, you need to purchase liability car insurance from the car rental service.

In case you allow your auto insurance to lapse, you risk to be fined by the authorities. According to Georgia insurance laws, “laps” is defined as ten or more days without insurance coverage. The fine for that is $25 along with additional $60 for reinstatement to renew your license tags. For second offence the fee will increase, by the third offense the reinstatement feel will raise to $160. If you keep on ignoring your insurance renewal if caught you can and will be charged with a misdemeanor.

Another very important thing to remember about the auto insurance in this state is that it follows a tort system. Tort system means that the state does not require from its motorists to have underinsured/uninsured motorist coverage, nor PIP (personal injury protection). Regardless of that many motorists in the state of Georgia possess some of these insurances. The thing with the tort system is that if the other involved party in the accident is a motorist without any insurance coverage, your insurance covers the damages or injuries regardless whose fault is.

Even though that the tort system is not the most perfect insurance system in the world, it`s still in power in Georgia. Many motorists know that and have sense for that and buy some type of insurance coverage. Regardless if you are a motorist or a car driver the best way to obtain auto insurance is by getting quotes from as much as possible insurance companies. You can do that now if you just enter your zip code above on this page and wait for a while. Once you find your lowest quote you can buy your insurance policy and make sure that you abide all auto insurance laws in Georgia.

Why Avoid Minimum Georgia Auto Insurance Requirements?

Even though it’s not the case with some states, Georgia auto insurance laws needs to be taken very seriously because of many reasons  but mainly that it treats harshly anyone that doesn’t follow them. In order to be able to drive legally on the roads and highways in the state of Georgia, every driver needs to fulfill the minimum insurance requirements. Even though that the state minimum will help you to drive legally, many recommend a bigger policy. Here are the minimum requirements, what that means to you as a driver, why it’s a good idea to purchase a bigger auto insurance policy and how to obtain the best rate.

Minimum insurance requirements in Georgia.

The minimum insurance policy can cover costs up to $25.000 per person for body injuries, $50.000 for body injuries for more than one person and up to $25.000 for property damages. Without this policy, no one can legally operate a vehicle in the state of Georgia. However, there are few exceptions that the law recognizes. The state of Georgia doesn`t require any insurance policies for motorcycles, certain seasonal agricultural vehicles, stolen vehicles, non-drivable vehicles, junked  or salvaged vehicles. This is important to know because in case you with your vehicle are involved in accident with the vehicles that are on the exceptions lists, your insurance policy in GA will cover the damage regardless whose fault is. This is because of the tort system which is still in force in Georgia.

Can you trick the system?

If you don`t want to mess with the state of Georgia once you purchase your policy, you need to make sure that you have it all time in your vehicle and to renew it when the time comes to do so. The renewable date is something that you can check on your insurance policy papers. In case you forgot to renew it, the state of Georgia can send you a small fine. That is if you don`t renew it within the first ten days after the expiration of the renewal date. Another way to check your renewal date is to go online and visit the official web site of the Department of Revenue.

Why go for bigger insurance policy?

The main reason for going for more expensive GA car insurance policy is because in many accidents the minimum insurance doesn`t cover the cost of the accident, regardless if it’s for hospital costs, car repair or other property damage. The thing is that nowadays even simple hospital procedures can cost a lot, not to mention that you hit some luxury car. $50.000 per accident are too often, too many times too little to cover such costs.

How to deal with that?

In order to make the most of your money, look for great deals on insurance policies. The easiest ways is right in front of your nose, just enter your zip code above on this same page and wait for a while. After a while you`ll get quotes from some of the cheapest car insurance companies. It can easily happen to pay less and buy more. Stick to what you read and not only will you never be in trouble with auto insurance laws in Georgia but you will get the best insurance deals.

 

Georgia Auto Insurance Law -Four Factors You Need To Know

Georgia is known for many things from which the historical heritage and the southern hospitality stand out the most. The drivers in the state of Georgia, as other drivers in other states, must follow its auto insurance requirements and laws to have the privilege to operate a motor vehicle. Even though that many car insurance laws in Georgia are pretty much the same to insurance laws in other states, they have few specifics that are characteristic for this state.

Minimum coverage

According to the Georgia law, all drivers need to carry their accident liability insurance policy in their vehicle in any given moment. Their insurance policy must be according to the Georgia standards and to carry at least $25.000 per person for injuries sustained in an accident cause by the insurer, $50.000 for bodily injuries of two or more people and $25.000 for property damage. The common term used to refer to these minimum requirements is 25/50/25. However, one needs to know that these requirements are designed only for the purpose of protecting other parties in an accident cause by the insurer. That is the only goal and this coverage doesn’t help for damages to the insurer’s vehicle, property or person in case of some sort of vehicle accident.

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Tort

The tort system is how Georgia deals with traffic accidents. According to the tort law system one party is always guilty in an accident. As a result of that, Georgia motorists are not obligated to possess personal injury insurance or to have under-insured/uninsured motorist protection. Hypothetically, if you are involved in an accident, you possess the minimum required insurance coverage and the other involved party is uninsured motorists. The tort law says one of the parties needs to be “at fault” for the accident. In case it’s your fault, your insurance will cover the other party’s damage. On the other hand, if the uninsured motorist is at fault, you are not entitled to any money compensation from him. Might sound unfair but that’s how the law functions and it works as such for a long time.

Penalties

One needs to be fully aware that Georgia has heavy penalties for drivers caught behind the wheel without proper GA auto insurance policy. The law is pretty clear and strict when it comes to penalizing drivers without insurance – every driver that drives uninsured risks 60 to 90 days suspension of his driver’s license. In order to register your vehicle in the State of Georgia you need to provide written proof of insurance. Also, if a driver without insurance policy is pulled his vehicle can be towed. In addition to that the driver risks several more fines if caught driving without it.

Exemptions

The State of Georgia offers few exceptions to its insurance laws. Here are the exemptions

–              Salvaged or junked vehicles or vehicles with an expired lease

–              Vehicles used seasonally or for agricultural purposes such as farming equipment

–              Repossessed vehicles or vehicles that have been stolen

–              Motorists are not required to insure inoperable vehicles

Even though that this gives you a glimpse in how the auto insurance in Georgia system works it won’t help you much in getting the best rates.

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