Car Insurance For Suspended License in Georgia

Reader’s Question:

My driver’s license was suspended for two years for driving without license in another state. My driver’s license was issued in Louisville, KY. Does that mean I will not be able to get a driver’s license and car insurance in my new home state of Georgia? To my understanding, GA is not a reciprocal state for driver’s license records.

Kyle

Augusta, GA

No. You will not likely be allowed to obtain a driver’s license in Augusta, Georgia with your driver’s license in your previous state of Kentucky being suspended. Though you’re correct that Georgia is not part of the Drivers License Compact (DLC), GA, however is part of the Non-Resident Violator Compact (NRVC). It has separate agreements with other states to share ticket information even without being part of the DLC. So, GA shares information about licensing and violation convictions with other states.

When applying for a Georgia license, you would need to inform the GA Department of Driver Services (DDS) about the suspension of your license in KY. Georgia state laws require a wait period until you can reinstate your KY license to drive again before you’re allowed to obtain a driver’s license in their state. To make sure that this is true in your specific situation and to see if you can obtain any kind of restricted license in the mean time, you may want to contact GA DDS.

Without having a valid driver’s license, it will be difficult if not impossible to get auto insurance since having a suspended license means you’re not supposed to drive a car.

How Many Points On Car Insurance In Georgia For Traffic Ticket?

Reader’s Question:

I got a ticket for a unlawful U-turn in Augusta, Georgia. Do you know how many points I will get for that violation?

Larry

Augusta, GA

The Georgia Department of Driver Services (DDS) states that after a conviction of a traffic offense, the court will forward notice of that infraction to this state agency and points may be assessed.

The GA DDS points list an illegal U-turn is not specifically listed and thus would appear to fall under the heading of “all other moving infractions” which is assigned three points.

According to the Georgia Department of Driver Services, according to GA Code Section 40-5-57, points related to moving infraction convictions, such as the three points assessed for an illegal U-turn, remain on your driving record for 24 months (2 years).

The DDS also states that the actual infraction remain on your record indefinitely. So if you are convicted of making an illegal U-turn in Georgia then the conviction for a will remain on your driving record permanently.

To get more information on the cost of your fine for your illegal U-turn citation, you may contact the court listed on your ticket.

Augusta Georgia SR22 Auto Insurance Rate Quotes

Q: What’s the difference between buying my Augusta Georgia SR22 direct and buying it through an agent?

A: Both are good options, but your own final choice should depend on your circumstances and the accessibility. If you wish to buy direct, you’ll find that the car insurance purchasing process is much quicker and simpler, and that it’s also very portable. For example, if you tend to move around every year or so, then you’ll find it easier to call up and change your policy when you’re doing it direct than you would if you had to look around for a new Augusta Georgia SR22 car insurance agent.

Buying your SR22 car insurance through an agent is a better idea for people who are less experienced in the process. You’ll be able to access more help with your claims and with your quote if you have an agent working with you, and you can often also save money by going with a local agent who also sells other kinds of insurance.

Neither buying through an agent nor buying car insurance direct from the company is “better” for your  SR22. You need to look at the options and see how they fit with your ideal car insurance plans to figure out which one is the best for you.