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

I’m heading off to school in Auburn this fall, and I’ve been looking at a Auburn GA car insurance quote or two. They seem kind of high. Why is that?

Riley

Thanks for the question, Riley.

Oh, there’s a thousand reasons behind that, but I can pinpoint a couple and tell you what to do.

• Your age. Since you’re starting college, you might have never considered your own rates separately from your parents, but they’ll be pretty high until you are 25, I hate to break it to you.
• Crime and traffic in Auburn–both of these affect the claims which are filed in the area, and thus the Auburn GA car insurance quote you will get.

And what you can do to help…

• Ditch the car with the ‘rents. In Auburn like in most places, you don’t need a car as a student. If you live in dorms in the center of town and have friends to take you places, then drivign is an unnecessary luxury. Companies give discounts for students who go to school 100+ miles away and leave their car in mom and dad’s garage.
• Study hard. Keeping your GPA up could help you get the student discount, which can take a big bite out of your premium.

take care,

Fashun.

wut kind of albany ga car insurance quote can i get 4 a teenager? i am 17 & jus got my license.

craig

Glad you’re taking an interest, Craig.

Since you just received your driver’s license, then your parents’ car insurance company will probably want them to add you onto their own car insurance policy. If they don’t, then you might have trouble filing claims in the future. As a teenager, you’ll contribute a huge amount of cost to their policy–your Albany GA car insurance quote will likely be twice as much as theirs, but they can soften this a bit by making sure you are the assigned driver to the safest, least used, and oldest car.

You can also do your own part in making sure you have a good Albany GA car insurance quote, and you can do this by doing what you should have been doing all along–succeeding in school. By passing your classes with As and Bs, the car insurance company can see that you are a responsibl person, and by extension, probably a responsible driver as well. They reward this by giving you a good student discount.