How Do I Get Car Insurance for my Teen Daughter in Georgia?
Reader’s Question:
My daughter lives in Atlanta Georgia and I live in the state of Mississippi. I purchased a vehicle for her as a gift and I would like to get her car insurance. My car insurance carrier does not offer it so I was just wondering how do I get car insurance for my daughter.
Patrick
Atlanta GA
If the car that you bought is titled and registered under your daughters name, then she will be able to get car insurance for that vehicle.
Now if the vehicle is titled under your daughter’s name or both in your name and your daughter’s name, then you may be able to find car insurance carriers in Georgia that will insure the car for your daughter. You may not be able to find car insurance carrier in the state Mississippi that will insure the vehicle that is garaged in Atlanta Georgia.
Since the vehicle will be garaged in Atlanta Georgia, the car needs to be registered there regardless of whose name is on the title.
It would be easier to insure the vehicle in Atlanta Georgia if you will put it under her name and you could assist her for the payment once the car insurance policy is set up.
You may be able to start buying car insurance policy or getting car insurance quotes in Atlanta Georgia online now.
Do You Need Teen Car Insurance in Georgia?
Reader’s Question:
I am concerned about my teenage son, who occasionally drives one of my newer model cars. There’s nothing much to worry about since he’s already added to my policy. My question is, what will happen if he crashes the car and causes damages to it? We live in Atlanta, GA.
Laura
Atlanta, GA
It is important to take precautions by knowing what to do should an accident involving a minor child happens. Since you mentioned that your teenage son is already listed as a driver on your policy, you’re correct, you may have nothing much to worry about as compared to those parents whose children were not added. Your car insurance company should cover the damages to him and your car based on the insurance limits purchased. As to the amount of the claim payments, these will be determined by first getting quotes from auto body repairs. You may be curious as to what will happen after that? Some insurance companies may try to get back the costs incurred by raising your premiums while some will choose to not renew your policy at its expiration. Other insurance companies will even require that you remove your teen minor from the policy before they renew your policy. Or, they will continue to renew your policy with your minor listed on the policy as a driver, but they will increase your car insurance rate premiums in Georgia.
Adding Teen Driver To Your Car Insurance Policy in Georgia
Reader’s Question:
My wife and I have two cars in GA. We want to add my 19 year old daughter to our policy as an occasional driver, will that be cheaper than adding her as a primary?
Harold
Albany, GA
It really depends on the Georgia insurance providers and their guidelines as well as their rating systems if it would be cheaper to have your daughter listed as an primary driver or occasional driver on your car.
Not all insurance companies in Georgia rate using primary driver or occasional driver . Typically, an occasional driver is rated at a lower rate than a primary motorist by insurance companies that do have these different designations. Plus, it may be possible to have an individual listed as the primary on one car, but not on all household cars.
Regardless of the cost, you will have to tell the use as defined by your specific insurance company. So speak with your insurance broker and see if they have both types of motorist designations and if so what he or she would advise to place your 19 year old daughter as.
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