Senior Vehicle Insurance Quote Atlanta Georgia

Reader’s Question:

I am Dwayne and I am 59 years old now and will become a senior citizen in a few months. When I approach 60, will I still be able to get insurance for my automobile here in Atlanta, Georgia?

Dwayne

Atlanta, GA

Dwayne, I know what’s going on your mind right now. Probably, you’re thinking you’re not insurable anymore the moment you hit 60. Or if you can get insurance at all, you’re probably thinking you’re car insurance rate will eat your pension away. Well, Dwayne, let me tell you something to lift your spirits up. Senior citizens are among the least risk rated drivers. As you know, something that comes with age is driving experience. Compared to a teenager driver, I will trust an old yoke anytime, any day. Another good thing about seniors is they would be more observant of road traffic rules. Always remember, Dwayne, as long as you can drive, you are insurable.

To save money, try to get quotes from all insurance companies servicing Atlanta, Georgia. Or for faster results, the internet has almost all information about auto insurance. You can also get quotes through the internet. A lot of insurance companies give discounts if you drive less than 10,000 miles in a year, so take note of that. If you have more than one car, insuring them with one auto insurance company will also get you more discounts. No one will stop you from driving if you are healthy, so it is important to stay healthy. I mean, why punish yourself by trying to drive in your retirement if you have arthritis or diabetes, or any conditions that may affect driving. So, Dwayne, you have nothing to worry and are still insurable as long as you are healthy. Enjoy driving.

Auto Insurance Question Atlanta Georgia

Reader’s Question:

I’m here in Atlanta, GA. The name is George. If my car gets stolen and then the yellow-bellied thief figures in an accident and runs away, is there a chance that the people affected by the accident chase after me and my auto insurance?

George

Atlanta, GA

Now, wouldn’t that be a colorful story. Of course, we know that it happens. Thief takes your car, figures in an accident or uses it for who knows what and leaves the car somewhere dented and without gas. If the bad guy figures in a car accident, hit another car, a fence, or worst, a pedestrian, you will not be held responsible for the damages. That’s the nice part. The bad part is you will have to pay for the repairs of your car from your own pocket. I don’t think it’s a good idea to hope that the dastardly evil doer’s insurance will cover it. I don’t even think the bad guy has insurance. But even if the thief is apprehended and has auto insurance, I don’t think his or her (to be gender sensitive here) auto insurance company will include cleaning up after the thief in his or her (again, sensitivity) insurance policy. Of course, you’ll have to prove that the car really was stolen in the first place. Make sure to inform the proper authorities when your car gets stolen and get a police report. That’s added footwork but you won’t regret it as it will cover your back.

Atlanta Non Owner SR22

Q: What is an Atlanta GA non owner SR22?

A: An SR22 is a form which your auto insurance company will file with the department of motor vehicles and serves as proof that you are insured. It must be filed for a period of three years after your license suspension so long as you want your license back. If you don’t want your license, you don’t have to worry about it, but otherwise it’s the law. If you need your license, but don’t own a car, then instead you will have to file an non owner SR22 policy.

Your Atlanta non owner SR22 policy only applies to cars you do not own, so if you decide to go ahead and buy your own car, it won’t work for you and you’ll have to get another kind of policy. However, beyond that, your non owner insurance will cover you for any car you drive, regardless of whether or not that car is itself insured.

However, your Atlanta non owner SR22 policy only works for liability coverage and nothing more.