Georgia Auto Insurance |
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Obtaining and comparing multiple Georgia auto insurance quotes is an effective way to locate the cheapest policies available. OnlineAutoInsurance.com helps motorists compare rates from various companies with one simple process to find cheap coverage quickly and easily..
 The State of Georgia makes it mandatory for drivers to maintain liability policy as a minimum on all owned vehicles. The required coverage pays for damages to other persons or vehicles as a result of an automobile accident.
| Georgia Liability Auto Insurance Requirements |
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| $25,000 per person for bodily injury | | $50,000 per accident for bodily injury to two or more people | | $25,000 per accident for property damage |
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Georgia recently adopted technology giving the state the ability to verify the status of any vehicle’s policy. Insuring companies are required to electronically notify the state's Department of Revenue of your policy status which gives authorities the ability to verify if your coverage is active or cancelled. This system was designed to reduce the number of uninsured drivers in the state of GA.
To inquire on your vehicle’s policy status, check with Georgia’s Database. You will be asked for your title number and your vehicle identification number (VIN) which you can obtain by looking at your vehicle registration. Remember to allow 30 days for your carrier to submit proof to the state before it appears in the database.
If your automobile is not insured for 10 days in a row, your auto's registration could be suspended and a fee will be charged for reinstatement once your car's is insured. Not having your vehicles covered could lead to other expensive fines including a citation and even worse, an uncovered accident. Therefore, finding cheap auto insurance in GA and maintaining coverage is very important.
There are a few exceptions to this aspect of Georgia’s car insurance laws including a sale of an automobile, if you turn in a leased vehicle, if you move to another state, if you’re vehicle is brought to a junk yard, was salvaged or totally wrecked, repossessed, stolen or inoperable. Some vehicles used seasonally may also qualify such as agricultural use; additionally, if you are in the military and your automobile is not being used, you may qualify for an exemption. If your automotive qualifies for any one of the exemptions, you will need to fill out an affidavit and submit it for approval.
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