You may need help finding affordable car insurance coverage if you have a bad driving record. Insurance companies consider numerous factors when setting premiums—your driving history included. Insurers may look at past accidents, traffic violations and claims history, which can significantly impact what you pay in insurance premiums.
However, you till need car insurance even with a poor record. The specific insurance coverage you need varies depending on your circumstances, including the car you want to insure, your driving habits and insurance requirements from the state and your lienholder.
Contact Peachstate Insurance serving Atlanta, Georgia, and surrounding areas, to learn more about getting appropriate auto insurance coverage at a favorable rate.
What Auto Insurance Is Required In Georgia?
Georgia drivers must maintain at least the minimum required amount of auto liability insurance coverage. Auto liability insurance may help pay for third-party accident-related property damage and bodily injury claims up to the policy’s limits.
If you lease or finance a vehicle, the lienholder typically also requires full coverage auto insurance, which may include comprehensive, collision and guaranteed asset protection (GAP) insurance.
Your agent can help determine which coverages are appropriate for your situation.
Do I Need High-risk Auto Insurance?
Depending on your insurer’s rules and your driving record, your insurer may refuse to renew your auto insurance coverage if you’re a high-risk driver. Some insurance companies specialize in providing insurance for high-risk drivers. They may offer policies tailored to individuals with bad driving records; however, these policies typically have higher premiums.
If you have a serious driving offense on your record or your license is suspended, you may be required to file an SR-22 form with the Georgia DMV to prove you have the minimum liability coverage required by your state. Contact your agent immediately if you receive notice that you must file an SR-22.
Your agent can help you shop for insurance that meets state laws and your lienholder’s requirements.
How to Get Auto Insurance In Georgia
Work with your agent to compare multiple quotes from different insurance providers. Rates can vary significantly, so getting quotes from several companies will help you find the most affordable option.
Some insurance companies offer discounts for completing defensive driving courses, which can be helpful if you face increasing premiums due to a high-risk classification. These courses can improve your driving skills and demonstrate your commitment to safer driving while potentially reducing your premiums.
Contact Peachstate Insurance today to start comparing auto insurance quotes.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.