‍

How Do Points and Violations Impact Car Insurance in Georgia?

Understanding how points and violations affect car insurance in Georgia can help you make informed decisions about how your driving habits affect your coverage costs.

Points System in Georgia

Georgia uses a points system to track driver violations. Points are assigned for various infractions, including speeding and more serious offenses like reckless driving and driving while under the influence (DUI). Accumulating points can have several implications, including the risk of license suspension.

Insurance Premiums

Insurance companies may use your driving record as one of the factors to determine your insurance premiums. Generally, drivers with more points on their record may face higher premiums, as they’re considered higher risk.

Types of Violations

Not all violations impact your insurance the same way. Minor infractions might have less impact than major violations like DUI or reckless driving. Understanding the gravity of different violations can help you grasp their potential impact on your insurance.

Duration of Impact

Points and violations don’t affect your insurance indefinitely. Generally, they impact your insurance rates for a specific period, after which their effect diminishes. Knowing how long a violation affects your insurance can provide a timeline for when you might see rates decrease, assuming no new violations are added.

How to Lower Your Georgia Auto Insurance Costs with Points on Your Driving Record

Serious violations or an accumulation of points can affect your premiums and your eligibility for specific coverage options or discounts.

In some cases, completing a defensive driving course can help mitigate the impact of points on your license and insurance premiums. These courses demonstrate a commitment to safe driving and may be positively considered by insurance providers.

Shopping for car insurance can reveal which providers offer the most favorable rates for drivers with points. Each company assesses risk differently, and your agent can help determine whether you can get less expensive coverage.

After a violation, it’s beneficial to review your insurance policy. Some providers offer programs or adjustments to help manage the cost impact of points and violations.

Contact Us

Understanding the interplay between points, violations and car insurance is crucial for drivers in Georgia. It helps in making informed decisions and fostering responsible driving habits.

Contact Peachstate Insurance, which has locations across Georgia, to start comparing auto insurance 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.

‍