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Georgia Car Insurance

Georgia is one of the few states in the country that practices a tort system. This means that a person must be found guilty of causing the accident. Then, and only then, is the person and their insurance company liable for paying for all the damages.  Georgia requires that you have a minimum amount of insurance to be able to legally drive your car on any state road. The minimums are:

   1. $25,000 per person for bodily injury
   2. $50,000 per accident for bodily injury to 2 or more people
   3. $25,000 per accident for property damage

Georgia has two options for providing proof of auto insurance. You can either purchase insurance through an agent or you can opt for self insurance which has to approved through the fire commissioner. In Georgia, Your insurance agency is required to submit every policy electronically through a database so that if you get stopped and aren't carrying your insurance card you are still covered. This helps to give you the cheapest car insurance by avoiding tickets.

If you are caught driving a vehicle without insurance there are penalties that are strictly enforced. These penalties include:

    * Six months of suspension for registering any vehicle
    * A $25 lapse fee for failing to pay your insurance and a $160 reinstatement fee
    * Misdemeanor charges if law enforcement catches you driving with no insurance

these laws and regulations are to not only help that you drive safely but also ensure that you can afford the cheapest car insurance available.

Here are a few tips to remember when you are looking at finding the cheapest car insurance:

Always consider the age of your car. The higher the value, the more expensive the insurance.

Most companies offer discounts for multiple reasons such as good grades if you are  a student, multiple cars, if you're married, and the amount of accidents you've been in.

Since 2007, auto accidents in Georgia has increased twenty seven percent. If you are following all the rules and regulations of the law, you can stay safe and avoid being another statistic online. Staying out of accidents will also help you keep cheapest car insurance available.
Notes: General info about the Georgia car insurance laws, rules, statistics. They can also make reference and comments about to the 10 largest cities in the state with demographics and statistics.

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Georgia Car Insurance

Although Atlanta, Columbus, Savannah, Sandy Springs, and Macon are the biggest cities in Georgia cheap car insurance rates vary from city to city and rates in Roswell may or may not be different than Albany. Whether you live in Marietta, Warner Robins, Smyrna or some other city in Georgia take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Georgia.


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