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. However, if you desire to have, you need to be informed on how cheap auto insurance in Georgia are calculated. These factors include a driving record, the kind of vehicle that’s going to be insured, and the amount of coverage chosen.
The most basic and perhaps one of the cheap car insurance in GA is the insurance that fits 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.
Other than this liability insurance, another way to show that you are financially responsible is to get self-insurance from the Office of Insurance and Safety Fire Commissioner. Read more about cheapest georgia auto insurance please visit this website.
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. But even though the DMV already has a record of the proof of your financial responsibility, it is still best to bring with you your insurance card, self-insured information, insurance binder and the bill of sale.
You need to be able to show that you are financially capable because in the event that you still don’t have any insurance and you are pulled over by an authority, you are subject to a number of consequences namely: suspension of your registration for up to six months, a lapse fee of $25 and a registration reinstatement fee of up to $160, and worse, even be filed of misdemeanour charges, too.