Minimum Requirement on Georgia Auto Insurance Liability
Reader’s Question:
I just want to know what are the minimum requirements for car insurance in the state of Georgia?
Tom
Columbus, GA
Georgia state law requires motor vehicle owners and lessees to maintain continuous mandatory liability auto insurance coverage of at least the minimum limits in order to operate a vehicle in the state of Georgia highways or roads. The minimum liability limits set by the state of Georgia is commonly referred to as 25/50/25.
These minimum liability limits numbers stand for: bodily injury liability of $25,000 per person up to $50,000 per accident and liability limits of $25,000 per accident for property damage.
Taxi Cab Insurance Coverage in Georgia
Reader’s Question:
How do I go about getting taxi cab insurance since most insurance providers in Georgia don’t sell it?
Michelle
Columbus, GA
Taxi cab insurance permits you to carry passengers for a fee. Therefore passenger vehicles used to give rides for hire should be registered as a livery. This can include cabs, taxis, and limousines. There are specialty companies that should be able to assist you get the insurance you need.
You may be able to find on individual auto insurance websites based in Georgia for the car insurance that you need. You may also get a quote online for free. If you need more help getting livery insurance then you may contact the Georgia Insurance Commissioner.
Savannah Georgia SR22 Car Insurance Rate Quotes
Q: Will I pay more for my Savannah Georgia SR22 car insurance if I buy a new car?
A: Unless you’re going from an extremely expensive somewhat used car to a more normal new car, then in most cases you will indeed pay more for your Columbus GA SR22 car insurance if you buy a new car. Even if you buy a used car you’ll pay more, because any car being financed is required to have an additional level of car insurance. This isn’t a law, but a requirement of the financers, and if you don’t get that additional coverage (i.e. comprehensive and collision coverage), then your financing company will be well within their rights to take your new car back.
Even if you buy your car all in one blow, you’ll still face higher Savannah SR22 car insurance prices if the car is new. This is because factors such as the value of the car being insured are taken into account when determining the rate. Some aspects of a newer car could lead you to a cheaper price, such as additional safety features and anti theft devices, or hybrid capabilities.
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