If you are looking for cheap Georgia car insurance rates, then you have found a perfect website. Enter you zip code and you will be get Georgia’s cheapest auto insurance companies. Comparing quotes from these companies is a sure-fire way of getting a very low auto insurance quote in GA. On average Georgia’s auto insurance premiums are slightly lower than the national average. However if you live in bigger city like Atlanta, you might have to pay more.
Georgia Vehicle Insurance Requirements
All motorists in the state of Georgia are mandated to carry liability coverage as the state follows a tort system. Under this kind of system, someone has to be found at fault of causing the accident and that person along with his or her insurance company will be responsible for shouldering all expenses that will arise from the accident– bodily injuries and property damage alike.
If you plan to drive in Georgia, you should at least carry the minimum coverage requirements. You need to have $25,000 liability insurance per person up to $50,000 total per accident and at least $25,000 for property damage coverage. This type of auto insurance coverage is what is referred to as 25/50/25 coverage.
What often plagues motorists is the concern of whether they should get a higher coverage than what is mandated by their state. Since the tort system is followed in the state of Georgia, if the accident is your fault and your insurance policy fails to meet all the expenses of the other party, you could end up with a lawsuit in your hands so if you can afford it, you should definitely avail of higher auto insurance coverage.
Aside from getting a higher coverage though, you should also consider availing other forms of insurance coverage. Liability coverage only gives protection to the other party. But what about you? To get protection from your auto insurance policy, you should get other types of coverage as well like collision and comprehensive insurance. Collision coverage will shoulder the costs of repairing your vehicle if it is damaged in a collision accident while comprehensive coverage will pay for damages incurred by your vehicle caused by natural disasters like floods and strong windstorms. Throw in uninsured/underinsured coverage and you will have a well rounded auto insurance policy in your hands that will cover almost every scenario there is.
Most Stolen Cars in GA
If you want to save money on car insurance, the best way to do so is to shop around, compare quotes from different insurance companies before choosing to settle for one. Also you should consider driving vehicles that are low risk for theft, vehicles that are modest looking since insurance providers look at the type of car you drive when they compute how much your monthly auto insurance premium rate will be.Here are the top ten most stolen vehicles in the state of Georgia which you should avoid driving as much as possible:
Honda Accord 1996 Model Year
Chevrolet Pick-Up 1994 Model Year
Honda Civic 2000 Model Year
Ford F150 Pickup 2004 Model Year
Toyota Camry 2007 Model Year
Oldsmobile Cutlass/Supreme/Ciera 1986 Model Year
Ford Explorer 2000 Model Year
Dodge Caravan 2000 Model Year
Dodge Ram 2004 Model Year
Chevrolet Impala 2004 Model Year
Georgia Driving Under the Influence (DUI) Laws and Penalties
If your blood alcohol content level (BAC) registers above .08 percent, you are already considered illegally intoxicated in the state of Georgia. If an officer of the law pulls you over for suspicion of driving under the influence, he or she is allowed to subject you to a test –breath, blood or urine testing – that will determine if you have been driving under the influence. All states follow a “zero tolerance law” which focuses on drivers not of legal drinking age. In the state of Georgia, persons under the age of 21 driving behind the wheel with a .02 percent blood-alcohol level or above are also subject to DUI penalties.
What are the penalties for being a first time drunk driving convict in Georgia? You would be facing jail time, required to render a minimum of 10 days up to a maximum of 1 year. You would also be required to pay a fine, an amount anywhere from $300 to $1,000 and your driver’s license will also be suspended for a maximum of 1 year. You can request for your driver’s license to be reinstated but you would have to pay $210 to do so. You also are required to render community service, a minimum of 40 hours.
If your blood alcohol content is found to be over the legal limit or if you refuse to take the chemical tests to see if you have been driving under the influence, your driver’s license will automatically be suspended for a year even if it is just your first time offense.
If you’re convicted of drunk driving in Georgia for a second time, the penalties you would be facing are greater. For one, you would have to face jail time, a minimum of 90 days and a maximum of a year. You would also be required to pay a fine, an amount anywhere from $600 to $1,000 and your driver’s license will be suspended for 3 years. To get it reinstated, you need to pay $210. You would also be mandated by the state of Georgia to render community service, a minimum of 30 days and you have to complete an alcohol treatment program as well. And if the court permits, you may also be subjected to an ignition interlock device program. This device will prevent your vehicle from starting unless your BAC registers under .02%.
What happens if you’re already on your third or subsequent DUI offense? The state will confiscate your vehicle and you would also be required to complete an alcohol education course as well as a substance abuse treatment.
Your blood alcohol content statutory limit in the state of Georgia is .08% but you can already be charged with driving under the influence even if your BAC is only .05% if the prosecution can prove beyond reasonable doubt that you have become a less safe driver because you’ve been under the influence of alcohol. A commercial driver in Georgia may also be convicted of driving under the influence with a BAC level of .04%.
Georgia Vehicle Insurance Requirements
All motorists in the state of Georgia are mandated to carry liability coverage as the state follows a tort system. Under this kind of system, someone has to be found at fault of causing the accident and that person along with his or her insurance company will be responsible for shouldering all expenses that will arise from the accident– bodily injuries and property damage alike.
If you plan to drive in Georgia, you should at least carry the minimum coverage requirements. You need to have $25,000 liability insurance per person up to $50,000 total per accident and at least $25,000 for property damage coverage. This type of auto insurance coverage is what is referred to as 25/50/25 coverage.
What often plagues motorists is the concern of whether they should get a higher coverage than what is mandated by their state. Since the tort system is followed in the state of Georgia, if the accident is your fault and your insurance policy fails to meet all the expenses of the other party, you could end up with a lawsuit in your hands so if you can afford it, you should definitely avail of higher auto insurance coverage.
Aside from getting a higher coverage though, you should also consider availing other forms of insurance coverage. Liability coverage only gives protection to the other party. But what about you? To get protection from your auto insurance policy, you should get other types of coverage as well like collision and comprehensive insurance. Collision coverage will shoulder the costs of repairing your vehicle if it is damaged in a collision accident while comprehensive coverage will pay for damages incurred by your vehicle caused by natural disasters like floods and strong windstorms. Throw in uninsured/underinsured coverage and you will have a well rounded auto insurance policy in your hands that will cover almost every scenario there is.
Most Stolen Cars in GA
If you want to save money on car insurance, the best way to do so is to shop around, compare quotes from different insurance companies before choosing to settle for one. Also you should consider driving vehicles that are low risk for theft, vehicles that are modest looking since insurance providers look at the type of car you drive when they compute how much your monthly auto insurance premium rate will be.Here are the top ten most stolen vehicles in the state of Georgia which you should avoid driving as much as possible:
Honda Accord 1996 Model Year
Chevrolet Pick-Up 1994 Model Year
Honda Civic 2000 Model Year
Ford F150 Pickup 2004 Model Year
Toyota Camry 2007 Model Year
Oldsmobile Cutlass/Supreme/Ciera 1986 Model Year
Ford Explorer 2000 Model Year
Dodge Caravan 2000 Model Year
Dodge Ram 2004 Model Year
Chevrolet Impala 2004 Model Year
Georgia Driving Under the Influence (DUI) Laws and Penalties
If your blood alcohol content level (BAC) registers above .08 percent, you are already considered illegally intoxicated in the state of Georgia. If an officer of the law pulls you over for suspicion of driving under the influence, he or she is allowed to subject you to a test –breath, blood or urine testing – that will determine if you have been driving under the influence. All states follow a “zero tolerance law” which focuses on drivers not of legal drinking age. In the state of Georgia, persons under the age of 21 driving behind the wheel with a .02 percent blood-alcohol level or above are also subject to DUI penalties.
What are the penalties for being a first time drunk driving convict in Georgia? You would be facing jail time, required to render a minimum of 10 days up to a maximum of 1 year. You would also be required to pay a fine, an amount anywhere from $300 to $1,000 and your driver’s license will also be suspended for a maximum of 1 year. You can request for your driver’s license to be reinstated but you would have to pay $210 to do so. You also are required to render community service, a minimum of 40 hours.
If your blood alcohol content is found to be over the legal limit or if you refuse to take the chemical tests to see if you have been driving under the influence, your driver’s license will automatically be suspended for a year even if it is just your first time offense.
If you’re convicted of drunk driving in Georgia for a second time, the penalties you would be facing are greater. For one, you would have to face jail time, a minimum of 90 days and a maximum of a year. You would also be required to pay a fine, an amount anywhere from $600 to $1,000 and your driver’s license will be suspended for 3 years. To get it reinstated, you need to pay $210. You would also be mandated by the state of Georgia to render community service, a minimum of 30 days and you have to complete an alcohol treatment program as well. And if the court permits, you may also be subjected to an ignition interlock device program. This device will prevent your vehicle from starting unless your BAC registers under .02%.
What happens if you’re already on your third or subsequent DUI offense? The state will confiscate your vehicle and you would also be required to complete an alcohol education course as well as a substance abuse treatment.
Your blood alcohol content statutory limit in the state of Georgia is .08% but you can already be charged with driving under the influence even if your BAC is only .05% if the prosecution can prove beyond reasonable doubt that you have become a less safe driver because you’ve been under the influence of alcohol. A commercial driver in Georgia may also be convicted of driving under the influence with a BAC level of .04%.
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