Applying For Car Insurance Provisional License in 2022

Last updated: 3rd February, 2022

How to apply for a car insurance provisional license? If you already own your automobile, you can insure it for a year on a provisional license if you own it. You’ll need to notify your insurance company after passing your test to inform them that you’ve passed and that you now have your complete license. These details will be added to your insurance by your insurer.

Did you search for the most affordable car insurance in GA? If yes, your search engine has pointed you to the right page. Car insurance in a hustling and bustling state like GA can get quite expensive. So, it is completely understandable that you are on the hunt for more affordable options.

Car Insurance Provisional License in Georgia

As a driver in Georgia, you must get car insurance. Not only is car insurance compulsory as per the GA state law, but you also need it for your financial protection. It is illegal to drive your car in Georgia without purchasing the minimum car insurance coverage. According to the Department of Financial Services of GA, the minimum requirements are:

Liability Insurance:

You need to get bodily injury liability coverage in Lithonia. It includes $25,000 to cover the bodily injury of one person. Likewise, it also has $50,000 to cover the bodily injury of all people involved in the accident. This coverage ensures that you are financially able to provide for damages to the other party if you ever happen to be involved in an accident. Also, you will need to get minimum coverage of $10,000 for property damage in an accident.

Uninsured Motorist Coverage:

The GA State law requires your insurer to provide an uninsured motorist policy with the same minimums as bodily injury liability insurance. Furthermore, you can also opt for the SUM (Supplementary Uninsured/Underinsured Motorists) policy. Under SUM, if you have a higher amount of liability insurance, you can also get the same coverage for an uninsured motorist policy.

No-fault insurance:

GA state law requires you to have no-fault insurance so that you can cover the expenses and losses from an accident no matter who is at fault. The no-fault policy in GA covers medical expenses, income loss due to accident-related injuries, and household expenses benefits.

Summary

If you want to go for the most affordable car insurance in GA, the minimum coverage policy described above is the one for you. However, we recommend getting more coverage as the crowded streets of GA pose many risks of accidents.

Read our other insurance blog to know more about affordable car insurance policies. Moreover, get your car insured if you or your friends are living here. We provide you all the details related to it.

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Do I have other alternatives?

The most affordable car insurance in GA doesn’t have to be the minimum coverage only. You can take certain steps to get more value and discounts from a full coverage policy too. Let’s go through the following points:

  • Take an accident prevention course. Likewise, if you are a new driver, take a driving lesson too.
  • Install safety measures in your car like an anti-lock braking system, automatic seat belts, airbags, etc.
  • Install anti-theft devices such as alarms, electronic tracking devices, etc.
  • Be a really good driver. Also, try to maintain an accident-free record.
  • Ask for a package discount by purchasing multiple policies from the same insurer.

    We recommend the above steps so that the insurer considers you as low-risk and gives you a discount. All in all, if you need any help to find the most affordable car insurance in GA, we are only a call away.

    Frequently Asked Questions

    Q. Can you get car insurance with a provisional license?

    Yes, you can insure a car with a provisional license.

    Q. How does provisional driver insurance work?

    Learner insurance is intended to supplement the existing insurance on the vehicle in which the young driver will be practicing. It usually gives full coverage while the learner driver is behind the wheel, as well as throughout their driving test if they plan to use the same vehicle.

    Q. Why is insurance cheaper on a provisional?

    This is because temporary license holders pose a smaller risk to insurers than freshly qualified drivers because they are always operating under supervision. You’re still learning after you pass your test, but you’re on your own.

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