Get The Best Georgia Car Insurance Rates
Reader’s Question:
I moved from Alabama to Georgia and my car insurance rates increased! Why?
Henry
Atlanta GA
The state of Georgia and Alabama have both the same basic coverage of minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and a minimum limit of $25,000 for Property Damage Liability per accident.
There are several reasons for Alabama and Georgia car insurance rates variations. The first is that there are more population and drivers in the state of Georgia. Alabama had a population of a little over 4.6 million in 2007 while in Georgia they’d a population of 9.5 million. Because of the bigger population, so that means there are more accidents, especially fatalities, in GA than in AL.
The increase in Georgia car insurance rates may be due to the area that you live in. Car insurance is much more costly in cities due to the higher density of traffic, greater probability of theft and vandalism, and higher occurrence of fraud. When you relocated from a more countryside area of AL to a city area of GA your Car insurance rates would increase in part.
It’s been reported lately that there was a sudden increase in Georgia car insurance rates. Car insurance premiums have increased nearly seven percent on average because of new law that doesn’t demand insurance providers to have state approval before modifying car insurance rates.
Although some insurance providers in Georgia have increased their car insurance rates you may still find some auto insurance companies who’ve not changed their underwriting standards and premium rates. Additionally, some insurance providers have only minimally increased their car insurance rates while some have gone for that optimum car insurance rate increase. For this reason in Georgia you should look around for the best Georgia car insurance rates possible.
Is It Mandatory To Have Georgia Motorcycle Insurance?
Reader’s question:
Can I drive a motorcycle without any insurance coverage in Georgia?
Allen
Good question Allen.
The Georgia state laws requires all motorist to maintain a continuous liability insurance coverage on their vehicle to:
1. legally drive the vehicle
2. register and obtain Georgia license plates
3. to replace or renew existing
Georgia license plates non motorized vehicles such as trailers and campers and trailers exempt from registration like bicycle and golf carts do not require insurance coverage in the state of Georgia.
A motorcycle is defined as the motor vehicle that traveling on public streets or highways having a seat or saddle for the use of the rider and is designed to travel on not more than three wheels in contact with the ground, according to the unannotated Georgia Code. The Code also states that no owner of the motorcycle or any other person, other than the self-insurer as defined in Chapter 34 of title 33 of the Georgia Code, shall operate or authorize any person to operate the motorcycle equivalent to that required as evidence of security for bodily injury and property damage liability….any person who violates this subsection shall be guilty of misdemeanor.
This shows that the insurance is needed on our motorcycle in the state of Georgia to be legally allowed on the road.The minimum liability limits in the state of Georgia is 25/50/25. This means that $25000 for the liability injury per person for a total of $50000 of bodily injury per accident and $25000 of property damage liability per accident.
Goodluck!
MariCAR
Loading ...