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.

Atlanta Car Insurance Rate

Reader’s Question:

I know that you should add someone in you insurance policy if they use your car more than regularly. But what are the consequences of them being involve in an accident and not having them listed on your policy? I have a friend that borrows my car, and we are living in the same household but if I add him to my insurance policy, my insurance rate goes up a lot and its so unreasonable! We live in Atlanta GA and I would like to know what will happen if he damages my car and he is not added to my policy?

Mike

Atlanta, GA

Generally, the consequences of not adding a household member to your insurance policy when it is required by your insurance company is that if he get involve in an accident while using your car they would deny claims since he was not a motorist on policy and therefore you were not paying premiums for him to covered to drive your car. We have heard of some insurance companies that will cover a household member that was not listed on the insurance policy.

Most insurance companies and state laws require you to add all licensed household members on your policy and either add them as motorists or exclude them. It does not appear that in Atlanta GA you could totally exclude your roommate from your policy, only from collision and comprehensive coverages.

Georgia law states that car insurance fraud happens when people knowingly misrepresent pertinent facts to an insurer or agent to get a policy or collect money to which they are not entitled. Removing a licensed household member from your insurance policy is a misrepresentation of facts and is considered soft fraud. Any form of car insurance fraud is a serious crime in Atlanta GA that can lead to possible jail time and heavy fines.