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Auto Insurance Options for High-risk Drivers in Georgia

Driving is a necessity for many people in Georgia, but for some, getting appropriate auto insurance can be challenging if insurers classify them as high-risk drivers. Factors such as a history of accidents, traffic violations or lapses in coverage can lead insurance companies to categorize drivers as high-risk.

Challenges for High-Risk Drivers

High-risk drivers often face higher premiums and limited options when it comes to auto insurance. Some insurers may even refuse to provide coverage. This can leave drivers frustrated and unsure where to turn for help.

The Role of Independent Insurance Agents

An independent insurance agent is one of the best resources available to Georgia drivers. Unlike captive agents who work for a single insurance company, independent agents can work with multiple insurers. This gives them the flexibility to shop around and find the best coverage options at competitive rates for their clients.

Independent agents take the time to understand your specific situation and insurance needs. They can recommend coverage options that provide adequate protection with favorable rates.

Insurance for High-risk Drivers Who Must File SR-22

Obtaining high-risk auto insurance, especially when you need to file an SR-22, can be more complex than standard insurance.

SR-22 filing is often required for drivers convicted of certain offenses such as DUI/DWI, driving without insurance or multiple traffic violations within a short period.

If you must file SR-22, your state’s Department of Motor Vehicles (DMV) or equivalent will notify you of this requirement. When you contact an insurance agent, be prepared to provide information such as your driver’s license number, details of your driving violations and any other relevant documentation such as the court order to file SR-22.

Your agent will shop around on your behalf to find insurance companies that offer SR-22 filings in Georgia. This is crucial because not all insurers provide this service, especially to high-risk drivers.

Maintaining continuous coverage with the SR-22 for the specified period mandated by the court or DMV is essential. Any lapses or cancellations could lead to penalties, such as license suspension.

How to Get High-risk Auto Insurance

Being classified as a high-risk driver in Georgia doesn’t mean you have to settle for inadequate coverage or exorbitant premiums. By working with an independent insurance agent, you can explore multiple insurance options and find a policy that meets your coverage needs and budget. Our team’s expertise and access to various insurers can help you secure favorable rates and ensure you are adequately protected on the road.

Contact Peachstate Insurance in Atlanta or several other locations across Georgia to learn more about your auto insurance options and get personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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