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What do Motorists in Georgia Need to Understand About Car Insurance

If you own a car in the state of Georgia, then you should definitely have insurance for your car. Finding Georgia cheap car insurance is a must seeing the high premium amount that the residents of Georgia pay. The average premium amount that the residents of Georgia paid in the year 2003 was $920 which was $6 above the national average. So, you need to shop for cheap car insurance in Georgia.

Georgia car insurance law has made it mandatory to have insurance for your car. It is illegal to drive a car on the roads of Georgia without having your car insurance paper at place. If found driving without your car being insured, it can lead to suspension or revocation of the registration of the vehicle. In case this is found for the first time, then you can reinstate the suspended vehicle registration by obtaining a continuous Georgia liability insurance coverage of your vehicle and paying $25 as fee for lapse of policy and $60 for reinstating the registration. If this happens for the second time within 5 year of the first issue, the registration is suspended for 90 days with all other fine remaining the same. In case this is repeated for the third time within 5 years, the registration is suspended for 6 months with all other fine being same.

Auto insurance in Georgia makes it mandatory to have minimum liability insurance for every driver. The law states that the minimum liability limit is $25,000 for any bodily injury to one person involved in one accident and $50,000 for all those injured in one accident with a maximum f $25,000 for each person. The rule also states to have a minimum coverage of $25,000 for the damage done to the property of the other person involved in the accident. The law enforcement officials of Georgia State do not consider the insurance card as the proof of insurance coverage. They have a system in place to electronically track the insurance status of any car not insured but registered in the state of Georgia. The system used is called as GEICS or when expanded known as Georgia Electronic Insurance Compliance System.

Georgia Driver Services Department makes it sure that drivers follow the financial responsibility requirements by instructing the insurance companies to notify the department if any vehicle cancels its insurance or buys it and even when adds or deletes a vehicle.

On the top of this page is the space available to enter the zip code of your area to find out the cheapest auto insurance in Georgia. This will allow you to compare and contrast the quotes by different insurance company and allowing you to choose the insurance company which suits your budget and needs the best. It is for sure that if you do not enter the zip code in the space available above and going to buy insurance for your car then definitely you are paying more.