Auto Insurance in Georgia

Consumers across the country shop for auto insurance to provide peace of mind as they take the road. But did you know that, depending on where you live, the requirements for auto insurance can be greatly different from those in another state? Make sure your policy at least meets your state's standards, and think seriously about surpassing those standards. Most auto insurance experts suggest using a state's requirements as a starting point and building a responsible, comprehensive policy from there.

If your auto insurance premiums are a concern, be sure to seek out several competitive quotes, just as it's recommended for Georgia car loans. By doing this, you can verify whether you're receiving the best coverage for your money. Homeowners can sometimes find auto insurance premium savings by combining their home and auto policies through one insurer. Many insurance companies offer multi-policy discounts. Carefully review the terms and conditions of your suggested policy before agreeing to it.

Georgia's auto insurance laws

• Your car must be insured: All cars must be insured in Georgia, and the state will know if your policy lapses. If you are caught without insurance - Georgia considers 10 days without coverage a lapse - you face fines and penalties, including a suspended registration.
• The state monitors your coverage status: Auto insurance companies are obligated to update a state database about insurance policies. If your policy is canceled or if it lapses, the database will reflect this. If you change insurance companies, be sure your coverage does not lapse. Drivers are permitted to look at the database to verify the information is accurate.
• Carry proof of insurance in your car: While the state doesn't require it, it's always recommended to keep an insurance card in the glove box of your vehicle. This will come in handy in the event that you're pulled over, or if you're in an accident.
• Georgia sets minimum liability insurance requirements: Your policy must cover at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury to two or more people, and $25,000 per accident for damage to property. Experts strongly recommend getting coverage far in excess of these amounts. Remember that if you are liable for $50,000 in property damage, and your policy only covers the minimum $25,000, it is your responsibility to come up with the remaining $25,000. You could be surprised at how affordable additional coverage would be. Be sure to ask your insurer for a quote.
• There are exemptions to Georgia's laws: While most drivers are obligated to follow Georgia's auto insurance regulations, there are a few exceptions. An exemption might qualify if the car is sold, if the owner moves to a different state, if the car was totaled/salvaged, or if the car is stored and not driven. Members of the military who are deployed also may be eligible for an exemption. Check with the state to find out whether your situation applies. Remember that if your vehicle is financed, you will be required by your lender to carry at least some insurance.