Automobile Insurance Coverage in Atlanta Georgia
Reader’s Question:
I’m from Atlanta, Georgia, and I just want to know if whether my car insurance is going to pay first, or is it my own personal insurance, in case I get into an accident?
Mike
Atlanta, GA
Well, it will depend on whether you’re driving your own car, if you borrowed it, or if it’s a rental. If you’re driving your car, both your car insurance and your personal insurance will cover you. It’ll be your owners’ policy that kicks in first, then your personal insurance will cover the rest of the excess amount. Take note that your personal insurance will cover you, not the car. This, of course, goes without saying that it wasn’t you that caused the accident. If you are at fault, you can bet your stars that the insurance company of the other person involved will go after you to try to recuperate any financial damages you may have caused. If what you’re driving, however, is not your own car, a different process is involved. There is such a thing called non-owners’ insurance policy or rental policy, and that’s a different topic altogether. As with all kinds of insurance, policies, prices and processes vary from insurance company to insurance company and from state to state.
Ask your agent there in Atlanta, Georgia. These are some of the things you should’ve known before you bought your insurance policies.
Atlanta Teen Car Insurance Quotes
Q: My daughter is on my insurance policy and it’s so expensive now. How can I get a better deal on my Atlanta GA teen car insurance?
A: I think that parents can use the Atlanta GA teen car insurance prices being so high as a sort of teaching mechanism. A couple of ways for you to save money exist, but they hinge on the actions of your daughter. If she doesn’t do what is necessary to save money on car insurance, then you don’t let her drive. You both win.
First of all, make sure she’s doing well in school. Obviously this is something you’ll already be paying attention to, but a car is a powerful motivator. If she has a B average or a 3.5 GPA, then you’ll be able to get a good student discount on your Atlanta GA teen car insurance.
Secondly, enroll her in a driver’s education class if she hasn’t already taken one. You can ask your car insurance company which will be acceptable for getting a discount on your Atlanta GA teen car insurance. With the student discount averaging around 15-20% and the driver’s ed something like 5-10%, you’ll save plenty.
Cheap Atlanta SR22 Insurance
Q: I’m a recently retired Georgian who still has one year left for having to have a cheap Atlanta GA SR22 insurance, but it isn’t so cheap at all. How do I save money on this?
A: Well, since you are retired, you’re going to see your cheap Atlanta SR22 insurance prices go down pretty soon, so long as you’re around the right age. You’re in the age group with the least risk, so this is the cheapest it will be in your life.
If you aren’t getting cheap Atlanta SR22 insurance rates from your current company, you should shop around for more quotes, with a particular emphasis on AARP Hartford, a company which is specifically for retired people. If you check them out, they have several methods of saving money for retired people. Many other car insurance companies also have a senior discount.
You can also lower your risk level by taking a defensive driving class. AARP Hartford offers these at a low price as well. If you choose not to go with them, you can call up your car insurance company and ask where you can take an approved defensive driving class.
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