Cheap Auto Insurance Cost Atlanta Georgia
Reader’s Question:
I always pay my bills on time and I always get the cheapest car insurance from my insurer in Atlanta Georgia. Recently, my motor vehicle record and insurance got changed and I wasn’t given the cheapest insurance. I am wondering if it is because I bought a new red vehicle and they said that it increases auto insurance?
Bill
Atlanta GA
An insurance company looks at your motor vehicle record to check how much of a risk you might be as a motorist. If you have several number of points or prior suspension of license it would most likely affect your car insurance costs negatively.
To know if the reason for the increase is that your motor vehicle record was affected negatively you may contact your car insurance company in Atlanta Georgia to get this information. I do not think that the color of your car, which is red has any bearing on the car insurance cost since vehicle color is not considered in determining car insurance rates usually.
There are many factors that are considered when determining an individual’s car insurance premium and it can differ for each insurance carrier. To know for sure what affected your car insurance rates call your insurance company and ask for information.
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.
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.
Loading ...