Being a newbie in Georgia means that you need to apply for a state-approved car insurance.
There are a number of car insurance companies present in the said state. But if you want get cheap auto insurance in Georgia, you would have to know that insurance rates in Georgia are dependent on a number factors. These factors include a driving record, the kind of vehicle that’s going to be insured, and the amount of coverage chosen.
So in order to get cheap car insurance in GA, you can settle for the minimum requirements for car insurance in Georgia. This insurance requires all Georgia-registered vehicles to get bodily injury liability coverage of at least $25,000 which would pay for injury or death of any person involved in an accident and another $50,000 which will cover for injuries or death of more than one person. Apart from that, you are also required to buy property damage liability coverage which costs $25,000 and covers for property damage brought about by the car accident. All of the above are what are referred to as liability insurance which is one of the proofs of financial responsibility that you can get in order to legally drive a vehicle in Georgia.
Also another option that you can do for you to be able to prove that you financially responsible is applying for self-insurance from the Office of Insurance and Safety Fire Commissioner.For more information about cheapest georgia auto insurance please go here.
You can choose which among these two is cheaper and most convenient for you. Once you are able to buy any of these, your insurance will submit your insurance policy information to a state-wide database so that you can view it anytime you want and so that DMV would also be able to see your record. However, sometimes, even when you already paid for your insurance, there are still times when the record has still not reached the DMV so it is safer to bring with you an insurance card, your self-insured information, the insurance binder and the bill of sale.
These will be the documents you’ll present to the authorities when you get pulled over because if you don’t have any of these, you might get your registration suspended for up to six months, you will have to pay a lapse fee of $25 and answer to a registration reinstatement fee of $160 and worse, even be answerable to misdemeanour charges.