Car Insurance Policy Additions
Reader’s Question:
I want to add my nanny in my car insurance policy. Unfortunately, she does not have a clean driving record in Georgia. If we add her under our existing car insurance policy, our rates double. Is there a cheaper way to have her insured?
Liz
Atlanta, GA
Firstly, you need to ask yourself if adding her would be really necessary. Insurers in Georgia would be asking you if she lives in your house, and if she drives your car for thirty consecutive days at a time. If this is not the case, then you need not include her under your policy since your current one may well cover her if anything untoward happens while she’s behind the wheel.
Another thing to consider before adding her to your policy is her driving record. Since you stated that she does not have a clean driving record in Georgia–What could be her previous traffic citations? Was she involved in a car accident before where she was found at fault? Did she get speeding tickets or committed any other traffic violation? If she has a driver’s license, why doesn’t an insurer agree to cover her?
If car insurance companies think that she is a high-risk driver based on her driving record, then shouldn’t you be having second thoughts on taking the financial accountability for her car insurance? And would you really trust her to drive your kids to and from school if she doesn’t have a clean driving record?
Investigate first. Then if you really are bent on adding her to your car insurance policy, you can always shop around or ask for discounts from your car insurance provider.
Car Insurance Rates Athens Georgia
Reader’s Question:
I received a OUIL in Michigan almost five years ago and have had no violations since. I now live in Georgia, should I tell this conviction to an insurance company when applying for car insurance?
Sullivan
Athens, GA
Operating under the influence of intoxicating liquor or OUIL has now been renamed as OWI meaning operating while intoxicated.
In Michigan OWI is a misdemeanor unless charged as a 3rd offense within 10 years, in which case it’s a felony.
Now that you are living in Athens, Georgia an insurance provider can still access your Michigan driving history so you will need to tell this old conviction if asked for violations on your auto insurance application. If you do not mention this and the insurance provider finds out about this OWI then your car insurance quote would be inaccurate and need to be recalculated including this violation. If you have already received your car insurance policy and this offense is later found out about then it could be considered that you misrepresented your driving history which may be considered fraud.
Tags: auto insurance, traffic violation
Cheap Teen Car Insurance Atlanta Georgia
Reader’s Question:
My teenage daughter is 18 years old and still resides with me in Atlanta, my question is :can she drive your car without being listed on your auto insurance? A friend for example borrows your vehicle and gets into an accident, was it legal for them to drive your vehicle because you gave them permission? Therefore will your insurance provider cover costs incurred minus your deductible?
Michelle
Atlanta, GA
Most insurance companies in Atlanta require you to list all of your household residents. With those who are licensed (or of driving age), your insurance company will give you the choice of listing them as ‘eligible’ to drive or ‘excluded’ from driving. If they are listed as ‘eligible,’ they will be rated against your policy’s premiums. If they are ‘excluded,’ they will not be rated against your policy’s premiums; however, you are accepting full responsibility if you let them drive – even once and no matter the circumstance. Now, the example you provided is an entirely different issue. Also household residents, your insurance provider wants to know who will be driving your car with any frequency or regularity. If someone is going to be driving your car with any regularity or frequency, that individual will need to be listed as an ‘eligible’ driver on your car insurance policy. The insurance carrier will cover someone who does not reside with you and you let that individual drive it for a ‘one-time’ thing.
Online Atlanta Car Insurance
Q: Can I buy Atlanta GA car insurance online?
A: You can buy anything online, and online Atlanta GA car insurance is certainly included in that. As a matter of fact, it’s better for you to buy, or at least research, Atlanta GA car insurance online rather than offline, because you save more money that way.
The reason you save more money is because, first of all, you have a lot more information available to you on the subject of Atlanta GA car insurance online, so you’ll be able to rapidly compare quotes and find the financial and consumer ratings of companies, read about other people’s experiences, read your new car insurance policy, and so on. It’s more simple, it’s quicker, and it’s cheaper than an agent.
Another reason you’ll save money is because car insurance companies know they save money if you buy your Atlanta GA car insurance online. If you buy online, there’s no need for them to pay customer service reps to call you up, or buildings for them to call you up from, or agents to help you out. Buying direct saves them money, and they pass you the savings through things such as online discounts or lowering their rates entirely.
Non Owner Atlanta SR22
Q: What is non owner Atlanta GA SR22 insurance?
A: When you don’t own your own car, you may find yourself in a position where you still need to drive. In most cases, you would get by fine without your own car insurance policy so long as you chose to drive cars which were insured themselves, because if the car is insured then the driver often is as well. However, if you have had your license suspended for some infraction or another, then you will need to have your own separate policy if you want your license back, whether you own a car or not.
Non owner Atlanta GA SR22 insurance would be what you would get in this place. Such insurance is limited, though, since you can only get liability and won’t be able to add on comprehensive, medical coverage, or collision insurance. Since the cars you drive will be varied and can’t be used in rating your premium, your costs for non owner Atlanta GA SR22 will be a little bit higher than they would be if you had a regular policy.
If you don’t want to pay for non owner Atlanta GA SR22 insurance, then you could just opt to wait three years before renewing your license. If you decide not to drive during the probation period, then you won’t ever have to file SR22 insurance.
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