As a consumer, many of us don’t think about car insurance as being on the top of the list. By law, we are required to have insurance on our vehicles; with just a few exceptions. Comparison shopping is good, but remember that low price doesn’t always qualify as the best deal.
For those of us who have been driving for years, we know that the standard requirements are 25/50/25. For people with cars financed through banks or finance companies, liability is definitely required. Be sure you check the local requirements by law in your area.
Georgia state law requires you to carry coverage at the minimum limits of 25/50/25. Additionally if you have your vehicle financed you are required to carry liability insurance. If you are in an accident that is your fault; liability insurance covers damage and injury to the other party.
Discounts may be available but unless you ask you won’t know. Many times you can get discounts by having multiple policies with your insurance company. Ask and see what you can receive.
We are bombarded with insurance companies spouting rates covering a wide spectrum. However, the old rule, “less is best may not apply here”. Remember to read the fine print or ask your agent to make sure you get what you ask for.
There are some exemptions to the insurance requirement, so check with your agent to see if you vehicle will qualify. We bare the responsibility for our transportation. When we allow someone to drive our vehicle and they have a wreck; we are still held accountable, not our insurance company.
When you car is insured and the policy is written, the car insurance companies are required to submit your policy details into a database. All drivers of a motor vehicle are by law required to carry liability insurance on their cars.
The department of revenue in Georgia is able to detect which vehicle owners who are negligent with their insurance. As noted above, due to this requirement the Department of Revenue is able to monitor the car insurance holders. They will compare the registrations in their database to those who don’t have an active car insurance policy.
Spending a little more money on a your car insurance will give you piece of mind. Nothing is worse than those massive out of pocket expenses when you find yourself without the proper coverage. Safe is better than sorry you didn’t buy right.
Looking to purchase Auto Insurance in Atlanta? Let the insurance companies compete for you! Tom really urges that you visit this Atlanta Car Insurance site to get the best deals on the Web.
