Reader’s Question:

I just bought my first car here in Georgia. Can you give me any tips or pointers on how to choose the best auto insurance company?

Angela

Columbus, GA

Hello, Angela. Choosing which auto insurance company to have is a very difficult task. Here are a few things to keep in mind when shopping for one.

Be sure to check if the best auto insurance company has a license to operate here in Georgia. Not all auto insurance companies have the license to operate in all states. Contact the state insurance department to verify this. And then, of course, compare premium rates. Shop around for the best auto insurance company in Georgia. Different insurance companies offer different premium rates and discounts. You may even consider online auto insurance. Make sure that the auto insurance company you will consider is financially solid. You need to be sure that the company will be around for a long time to be able to cover you when you need coverage. Again, you can go online to research. There are independent websites that provide performance ratings for the best insurance companies. Check the insurance company’s service. You need to be sure that their agents or representatives are competent enough to provide you maximum assistance. The insurance company or the agent should be readily available to provide you with answers and benefits. Be comfortable with the auto insurance company you are going to choose. Make sure that the agent or company is easily accessible if you have a question or need to file a claim.

Tags: auto insurance, Car Insurance Company

Reader’s Question:

I am required to obtain SR22 insurance and I was told by the car insurance company that I need to make a payment for six months up front and they said this is according to the Georgia Law. Is this correct?

Bryan

Augusta, GA

If you are required to get an SR22 then you will need to show proof an up front payment for a period of six months of SR22 insurance. The SR22 insurance must be carried for a period of 3 years

Future proof of insurance certificates (SR22/SR22A) are required in cases of:

• Habitual Violator with a probationary license (SR22)
• Unsatisfied judgment (SR22A).

The liability insurance policy does not provide absolute auto insurance coverage and you may be required to carry this for a period of six months, 1 year or 3 years and this depends on different circumstances. If an SR22 insurance is not premium finance the department considers the auto insurance policy to be in full payment. If the car insurance policy is terminated or canceled before normal lapse, the next SR22 filing must be issued on a policy full payment which carries a new policy number.

Tags: auto insurance, sr22 insurance

Reader question:

I’m joining the army, so I’ve been looking for a Northeast Cobb GA auto insurance quote online, but haven’t been able to find anything that can really help. Can you point me in the right direction?

Juan

Well, Juan…

I don’t want to play favorites, but in my opinion, GEICO is the best bet for the new (and used) soldier. I don’t know how long you’ll be training before you ship out, or if you’ll ship out at all, but aside from a nice little military discount whatever you do in those boots, GEICO adds a little more to the stack when you need to be deployed.

Most of the rest of us have to pay for all of our coverage whether we’re using our car or not, but if you’re being deployed, then GEICO can give you a Northeast Cobb GA auto insurance quote online…just for comprehensive. No liability, no nothin’ for while you have your car in storage.

It gets better (if you want to think of it that way) if you’re deployed into a danger area, like Iraq or Afghanistan. You get another 25% discount on top of everything else.

take care and good luck,

Fashun.

Reader question:

The cheapest Marietta GA auto insurance quote is best, yes/no? Just checking.

Gloria

HOLD UP, Gloria.

Don’t answer for me, yeesh. Yeah, the cheapest Marietta GA auto insurance quote is ideal, but best? Not always. You have to have some standards, Gloria! After all, I could have bought the cheapest car, but it would have had some suspicious dark stains in the trunk…But that’s another story.

There are more things than just the Marietta GA auto insurance quote that go into the purchase of a car insurance policy. See, a company may claim to give you a nice quote, but not have anything to back it up with, which is why you need to check sites like Standard and Poor’s to make sure that your car insurance company isn’t teetering on the edge of bankruptcy.

…keep reading. You also gotta swing by the GA department of insurance website (here) and look up how Cheap Marietta GA Auto Insurance Quote Company is doing on complaints. If it ain’t pretty, it ain’t worth it.

take care,

Fashun.

Reader question:

What kind of car gets you the best Macon GA car insurance quote?

Albert

Hi, Albert.

No car? Okay, in a perfect world, we could all teleport to work. But in this dimension, there are a few qualities a car can have that can secure it a decent Macon Ga car insurance quote. Think about ‘em before you buy it.

• Safety: this has a thousand different variables, from how heavily packed on the safety features are, to the crash test results, to the rate at which your make, model, and year have at fault claims filed for them.
• Size: this kind of ties into safety. See, a big car is a monster because it’s going to crush the tiny little cars beneath it, thus causing more damage, injury, death, broken nails, and liability claims. On the flip side, the tiny car is a defenseless egg and if it crashes with anyone bigger, then you will be crushed, causing more collison claims. Ultimately, go for the car that’s juuuust riiiight.
• Popularity: not only does having a popular car take away from your cool factor (it’s like going to work and finding out someone else is wearing the same outfit–ew), but it also makes it more likely that someone is going to steal it, which makes your Macon GA car insurance quote go up.

take care,

Fashun.

Reader question:

If I buy a new car, will my Gracewood GA car insurance quote rise?

Anisa

Good question, Anisa.

Yeah. Probably. If you don’t do it right, anyway. And it depends on what kind of car you buy. And also…okay, let me rewind.

I mean, maybe you have an expensive car right now, and you get a cheap car, and your Gracewood GA car insurance quote actually comes out better. I can’t really tell you without all of the information. I can give you one piece of advice, though.

Quote before you gloat!

So the nice, pricey, silver car on the edge of the lot for everyone to see might be awesome in every way you have ever imagined since high school, but it will probably put you in the red through auto insurance premiums. Be a responsible car buyer and don’t just run onto the car lot, pick the shiny, and zoom off. Part of budgeting for a new car involves budgeting, too, for the car insurance you will pay.

Before picking your car, get an idea of the kind of car you want…and then get several different quotes for those cars. The best Gracewood GA car insurance quote should probably push you in the right direction.

take care,

Fashun.

Reader question:

I’m graduating from college in a few months and losing my good student discount, so I need some advice on how to keep my Roswell GA car insurance quote from rocketing up?

Melissa

I feel your pain, Melissa.

The good student discount is really one of the best discounts ever. You hate to lose it. But, if you made a good choice (according to the car insurance companies, anyway) of major while you were in school, you might get to replace it or almost replace it with something else. Some companies give discounts to people with degrees or jobs in the following fields (and more):

• mathematics
• engineering
• biology
• astronomy

Also, if you’re a teacher you can usually get a deal through your union. It’s nowhere near what the student discount is, but it’s good enough. You’re probably going to join the union anyway, so you might as well get the discount that will allow you to save around the amount you pay in membership dues on your car insurance policy.

take care,

Fashun.

Reader question:

We never had a computer when I was a kid and I work in a job that doesn’t get involved with technology, so I’m kinding of tetchy around computers (my son is typing this for me right now). I know a lot of information on the internet is questionable, so why should I get a Colmbus GA auto insurance quote online?

Bill

Reasonable concerns you have there, Bill.

You’re right; a lot of the information on the internet could at the very least raise an eyebrow, but see, sites that give you the Columbus GA auto insurance quote are different. They aren’t just some random guy living in his mom’s basement giggling as he assigns a random dollar amount to your car insurance policy. The information from these sites is gleaned straight from the information from the car insurance company themselves.

Sure, mistakes happen. That’s why you get a second opinion. And a third. And a fourth. This is why I say you should get your Columbus GA auto insurance quote list from around three sites so that you can see for sure if they are in the same range. These sites don’t exist for pinpoint quotes, but to be basises of comparison. You can cut down a list from one of these sites to just a few, and then take those and go to their company site and confirm the quote there, or over the phone with a sales representative.

take care,

Fashun.

Reader question:

What is the benefit of getting your Dacula Rocky Creek GA auto insurance quote online?

Betty

Betty, I’m sure you’ve heard it…

Getting your Dacula Rocky Creek GA auto insurance quote on line is, immediately, about convenience. Why do I want to bother to get out of my house (ouch! sunlight!) and go to an agent’s office or a car insurance company location when I can sit on my butt, eat bon bons, and watch TV while looking up quotes or something? Face it, we human beings are lazy. Or maybe we’re busy. Either way, online quotes save you time and energy, not to mention money (hello, gas prices).

There’s more to it than that, though. If you get your Dacula Rocky Creek GA auto insurance quote online and buy your policy on the internet, too, then the insurance company is saving labor costs. You can get two benefits out of this: normally, they try to encourage you to save them money by saving you money, and they do this by giving you a discount. If they don’t give you a discount for buying online, they’re pretty cheap. Doesn’t mean they’re not the best, though, but I might write an angry letter or two.

It goes further (yes, there’s more!). If they’re saving money on you right now, then eventually, as their costs for selling insurance go down, then they’ll be saving money all over, and that usually means better prices for the humdrum policy holders like you and me (okay, just you).

take care,

Fashun.

Reader question:

My renewal date for my car insurance is coming up really really soon (in April), but every time I plan on going to a couple of auto insurance offices and getting quotes, something comes up. Help! I think I’m paying too much, but I just don’t have the time to get a decent College Park GA auto insurance quote.

Rudy

Well, Rudy…

No offense, but are you living under a rock? Or are you a Luddite or something? (since i received this in an email, I’m guessing you aren’t) Get with the times, man! Getting your College Park GA auto insurance quote from an office is old school; all the cool kids get their auto insurance quotes online.

Yeah, I’m being a little silly, but it’s true. If you would just try to head to a College Park GA auto insurance quote instant rate form on the internet, then you wouldn’t have to worry about all of this making time to go out of the house nonsense. Instant rate quotes are for busy people, and you can get done with these what would take you several days trudging from office to office.

Here’s what you do. Get all the same info you would take with you to the agent or the office, and then click a few ads, or run a google search, for free College Park GA auto insurance quote sites. These sites usually offer from 5-10 different quotes. Get quotes from at least three different sites, and compare!

take care,

Fashun