Buying Car Insurance For Used Car
Reader’s Question:
Is there a grace period to buy car insurance after purchasing a used car from a friend? I live in Georgia.
Allan
Atlanta GA
In Georgia, there is actually no grace period for buying car insurance. So when you purchase a car, you will need to buy car insurance as well before you drive it in public road. Operating a car without car insurance is against the law and you will get a ticket if you get caught driving uninsured car.
If you already have car insurance in place on other cars that you own you can see if your insurance company will extend you coverages on a new car that you purchase for a certain amount of time. Generally, car insurance companies only extend coverages when you are purchasing a vehicle as a replacement for another car that is on the policy.
I suggest that when you buy a a new vehicle or used car you should keep in the car with you the bill of sale dated within thirty days of the purchase date and a valid insurance declaration page to show as temporary proof of insurance. Make sure that you keep the bill of sale and the declaration page in the car all th time until you receive the insurance information card from your car insurance company.
Avoid Increased Car Insurance Premium Georgia GA
Reader’s Question:
I got a traffic citation for rear-ending someone’s car in an intersection here in Georgia. Minor damages to the other driver’s car were sustained, but I have negotiated to pay for repairs to avoid filing a claim with my insurer. My driving record has been clean since I obtained my license two years ago. Is there a way I can negotiate to have this ticket removed so my car insurance wouldn’t consider raising my premiums?
Sandra
Savannah, GA
Having a clean driving record is definitely one of the things considered by car insurance companies when computing for your premiums. Your driving record can also be a basis for obtaining discounts from your insurer. So, this ticket is a minor setback for you. It would be advisable for you to take a defensive driving course. The State of Georgia may elect to remove or dismiss your traffic citation upon completion of the said course. You have to remember, though, that this can only be taken once in a period of one year and can only be taken up to five times if you are trying to have tickets or points removed from your driving record. There are two ways you can go about this. You can take it the traditional way, where you attend the course in a classroom. Others however opt to take the classes online where it is self-paced. You can log-in or out anytime you want. You have to remember, though, that completion of the online course is your sole responsibility. You also have to shoulder the fees for taking the course. An online defensive driving course in Georgia costs $29.95. This amount will prove to be very cheap compared to an increased premium in the future.
Tags: auto insurance claims, auto insurance premium, Car insurance discounts, traffic violation
DUI Auto Insurance Georgia GA
Reader’s Question:
I was asked to pull-over in the states of Georgia and I received a ticket for a DUI of .087 and a broken taillight. How will this affect my father’s insurance?
Bill
Albany, GA
Since a broken tail light is considered as a minor violation, this may not increase your father’s insurance rates. The DUI, however, is a major offense and will likely increase the rate since you were driving the car. A bad driver’s record, whether he/she is the owner or in a household, can affect the premium and the decision of the insurance provider in insuring the car, which may result in turning down the policyholder’s insurance coverage or paying a high-risk premiums.
This is because the insurance company considers a bad driving record to be riskier than a clean driving record. In your case, the DUI citation being a serious offense, will affect your father’s policy. You can contact his insurance agent to know more about the rating system for this offense.
Tags: auto insurance, DUI, DUI insurance
Car Insurance Coverage Georgia GA
Reader’s Question:
I have a son who stopped schooling and would be staying with his sister in Alabama. However, the car he would be using is under my name. Will he still be covered in my car insurance policy even though he is no longer living with us or has already withdrawn from school?
Anne
Atlanta, GA
Guidelines and rules whether your son will remain covered even though he no longer lives with you and attends
school varies among the different Insurance provider. In this regard, you have to check this matter with
your insurance agent in Georgia.
Normally, insurance companies do not want to cover cars that are not within the household or residence of the policy owner except for those whose child is in college. If the case applies with your insurance company your son must acquire his own policy or you can add him on your policy as a co-owner since he might have difficulty with the former because the car is still under your name. Another option is signing the car over to your son so that your name will no longer appear on it. As the owner of the vehicle, you will have to ensure though that he has insurance if you want to keep your name on the car.
Tags: auto insurance, auto insurance coverage, car insurance
Auto Insurance Premium Atlanta Georgia GA
Reader’s Question:
I’m planning to swap my old sedan for a new Ford F150. Should I set aside more money for insurance premiums here in Atlanta, Georgia?
Adrian
Atlanta, GA
Well, Adrian, it’s not just the make and model of your car that affects your auto insurance premiums in most parts of the US, including Atlanta, GA. Other factors such as age, marital status, location, driving patterns, driving record, claims history and even credit history input to the calculation of your auto insurance premiums. For example, if you’ve just turned 26, some insurers may decide to lower your premiums because statistics show that young men under 25 years of age get into more accidents per mile driven that other age groups. Conversely, if you’ve just moved to Atlanta, GA from a 5,000-population town in Georgia, then you probably will be considered to have taken higher risks.
Assuming that it would have been at least a year since you purchased your car insurance for the old sedan, a lot of the above factors may have changed and would naturally be reflected in the cost of the auto insurance premiums that you need to pay for the new car. I suggest that you request for free online quotes to determine the cost of premiums that you will be required to pay given your new statistics as well as the new car. Key in your zip code on the forms on this page and answer relevant questions to be able to view relatively accurate quotes from local insurers in Atlanta, GA. Several quotes would probably be enough to give you a definitive idea of how much you would be expected to pay this coming year for your new car.
Tags: auto insurance, auto insurance premium, car insurance
SR22 Auto Insurance Online Marietta, Georgia GA
Reader’s Question:
Can I purchase Marietta, Georgia SR22 auto insurance online?
Brent
Marietta, GA
Like any other consumer product you can also purchase Marietta, GA SR22 insurance online than just going through a local vehicle insurance agent. Most companies providers offer not only car insurance quote services online, but permit for consumers to go through the entire process of buying car insurance without ever picking up the phone or leaving the house.
Before you purchase your Marietta, GA SR22, you can check for car insurance quotes for different auto insurance providers to insure that you are obtaining the best deal. Once you have found the best SR22 car insurance quote, you will sometimes be linked back to the insurer the quote is from, where you will then be able to continue buying your auto insurance policy.
This is a good option for potential insurance customer who need it immediately and do not have the time to renew their auto insurance policy. It only takes maybe a total of 5-7 minutes to do this, and you can find all of the car insurance discounts and other savings online as well.
Tags: auto insurance, car insurance, car insurance quotes, sr22 insurance
Automobile Insurance Cost Savannah Georgia GA
Reader’s Question:
I’m choosing between two different cars but can’t seem to make up my mind. They appear to have almost the same price but one has more safety features than the other. Maybe if I factor in the auto insurance costs, it’ll be easier to choose. Do you know where I can get an idea of how much auto insurance is going to cost me here in Savannah Georgia GA?
Mariel
Savannah Georgia GA
Hi Mariel! That’s a great idea. Certainly, auto insurance is a necessary cost attached to a vehicle anywhere in the US, including Savannah Georgia GA. The bare minimum you need to get is auto liability insurance coverage. The government wants to ensure that if you figure in an accident, you or your insurer will be able to pay for damages to person or place because of the accident, whether or not it’s your fault. Of course, you may want to look into additional insurance coverage. For instance, if it’s a new vehicle purchased on credit, you might want to get gap insurance so if you total your car in the first week (which hopefully does not happen), you don’t have to keep paying for a car you can’t even use. Some banks even require you to get collision auto insurance and comprehensive auto insurance before they approve your application for a car loan.
The make, security features, even the brand of your car will definitely also affect the cost of the insurance premiums. That’s why I suggest you key in your zip code on the space on this site. Doing so will enable you to access free auto insurance quotes from insurers in Savannah Georgia GA.
Tags: auto insurance, car insurance cost, car insurance quotes
Auto Insurance Quotes Online Augusta-Richmond County Georgia GA
Reader’s Question:
My job at home in Augusta-Richmond County Georgia GA pays good and I’ve saved enough to buy some good things in life, like my first car. I know that when I own and drive a car, I need auto insurance coverage. What should I do to ascertain that I get the protection I paid for when the time for claims come?
Nash
Augusta-Richmond County, GA
Good question you have there, Nash. I agree that your auto insurance coverage is only good if you can get value out of it through an honored commitment to pay on the part of the auto insurance carrier in Augusta-Richmond County Georgia GA when a claim arises.
Common sense should tell us to choose an auto insurance carrier with a track record handling claims speedily and fairly. I’ve heard stories about car insurance companies that lure customers to buy from them through rock bottom auto insurance premium rates. But when it comes to response to claims, it takes them forever to take action, or they readily find an excuse not to pay. Look for those with good reputation.
Before a claim happens, study well the terms and conditions of your auto insurance policy. Ask yourself and get answers to questions like “What kind of auto insurance coverage do I have?” and “When is it appropriate to file a claim?” It helps you deal with your auto insurance company more confidently come claim time.
When an accident happens that result to a claim and other persons are involved, get their full names and contact details as well as the details of their auto insurance companies. This will facilitate the the work of the claims settler and timely payment of your claim.
Tags: auto insurance leads, auto insurance online, auto insurance quotes, auto insurance rates
Auto Insurance Premium Rates Atlanta Georgia GA
Reader’s Question:
I’ve been driving for the last couple of years in Atlanta Georgia GA, and I found out the hard way that auto insurance premium payments can hurt the wallet. What can I do to save even a little?
Gordon
Atlanta, GA
Perhaps the car accident and auto theft statistics in Atlanta Georgia GA influenced the price you pay for your auto insurance premium, Gordon. In 2004 your city had 56 fatalities in car crashes involving 178 people and 104 vehicles. In 2005 the city registered 27,970 car thefts. Something like these in a particular area can pull up local auto insurance prices. There’s nothing you can do about it.
But you can observe safety measures and help bring down the bill you have to pay for auto insurance premium in Atlanta Georgia GA. You’ll score high points in safety if you install protective equipment like seat belts and airbags only for you but also for your passengers. You save lives too!
If you come on record as a safe driver by consistently avoiding accidents and near misses through observance of good driving habits on highways and residential streets, you earn auto insurance discounts. You can also get discounts by honing your driving skills through enrolment in driving courses.
Discouraging or actually preventing car thefts by parking your car in a safe place at night and installing anti-theft gadgets help lower your bill.
And your choice of an auto insurance carrier can make a difference. On this page is a form where you enter your zip code and click into pages that give comparative auto insurance premium rates.
Tags: auto insurance leads, auto insurance online, auto insurance quotes, auto insurance rates
Auto Insurance Quotes Online Athens-Clarke County Georgia GA
Reader’s Question:
From where I am here in Athens-Clarke County Georgia GA I always hear the letters PLPD mouthed by insurance savvy people. Can you bring me up to speed on PLPD so I won’t feel out of place around these fellas? 
Howard
Athens-Clarke County, GA
Hi there, happy man Howard
In auto insurance circles, the cryptic letters PLPD stand for Personal Liability and Property Damage.
For you to legally drive a car in Athens-Clarke County Georgia GA. you must carry a liability and property damage auto insurance policy. There’s a good number of auto insurance plans in the market with varying features and, consequently, varying prices. If simply want to comply with the state law at the least possible cost, PLPD is the way to go.
There’s just a few things you should be aware of though. People sometimes refer to PLPD as cheap auto insurance because it’s the lowest priced product you can buy. The catch is, a PLPD policy doesn’t cover damage to your own car, or to your property inflected by your own car. If you cause an accident while driving your car, the auto insurance company in Athens-Clarke County Georgia GA will only pay for vehicle and/or property damage of other people.
If you’re looking for auto insurance policy that also pays for damage to your own car and property, you should go for full coverage auto insurance policy.
Even though full coverage auto insurance is more expensive than PLPD, you can find reasonable prices via comparison shopping by filling in the form found on this page.
Tags: auto insurance leads, auto insurance online, auto insurance quotes, auto insurance rates
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