To get and compare quotes for cheap Georgia auto insurance, use the handy zip code form above. Even purchase your cheap GA auto insurance policy online. Whether you need auto insurance in Atlanta, Augusta, Columbus, Savannah, Athens, Macon or any other town in the state, it's the Georgia car insurance you need at a price you're sure to like.
Georgia's auto insurance laws require the owner of a car to have at least 25/50/25 in liability insurance before you can legally operate your car on its highways. Georgia is a tort system state, which means in an accident, the investigating officer must assign fault. Georgia law does not recognize the insurance card as proof of insurance, so when a motorist is stopped for a traffic violation, he will be contacting the insurance company electronically to verify the insurance is in full effect. However, Georgia does not require personal injury protection (PIP) or uninsured motorist protection.
Georgia has taken a strong stance against drivers who attempt to avoid the financial responsibility requirements set by Georgia legislature. As in most other states, Georgia requires auto insurance companies licensed to do business in Georgia to notify the Georgia Department of Drivers Services if a registered driver drops their car insurance coverage. You have 30 days to show the change of policy and company in order to maintain your license and registration of the car in question. Suspension of your driver's license or revocation of your car's registration is the penalty for failure to maintain Georgia auto insurance on your car. If your car is involved in an accident, when it is uninsured, the driver is subject to fines and or the car being impounded. Failing to maintain the minimum required insurance coverage will result in loss of vehicle registration and no further registration will be issued until you bring your insurance levels up to the minimum level. Plus you will have to pay a reinstatement fee and re-register your vehicle.
Since Georgia auto insurance can be costly, and most people need a car to get to work and take care of personal business, there are some things you can do to help reduce your insurance premiums. Some hints you might look into to help in reducing your insurance premium are, some insurance companies will offer a discount for becoming a new customer; while on the other hand, other insurance companies will offer discounts for being a long term customer. Driving only when necessary will help in reducing your insurance bill. Completing a defensive driving course as well as having some kind of anti-theft device on your car, and increasing your deductible will help in reducing the premiums. If your car in equipped with full time driving lights be sure to mention that when you are shopping for Georgia auto insurance.
States are getting serious about people who try to drive without adequate coverage on their cars, but it is not impossible to find ways in which you can reduce your insurance premium, if you will look around for the best deal among insurance companies, and are willing to reduce the amount of amenities you get with full coverage insurance.
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