To add a car to your policy, you can update your policy online or call your insurance company. Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle. You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Keep in mind that some insurers may limit the number of vehicles that can be included in a policy.
That means that the driver found guilty of an accident is responsible for damage to other people and their vehicles. Georgia drivers can get standard car insurance or try Progressive's use-based or mileage-based telematics insurance, known as its Snapshot program. If you don't have physical damage coverage and your new car is stolen, wrecked, or damaged in an accident because of you, you won't receive money from your insurance company. For example, Progressive allows 30 days, which means that if you file a claim within that period, your new car will continue to be covered in the same way as your old vehicle.
You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. If you're currently insured with another insurance company, you can simply start a new policy with your new car. The combination of liability insurance plus collision coverage and comprehensive coverage is called full coverage insurance. Geico also offers some useful additional coverage options, such as rideshare insurance, roadside assistance, or insurance against mechanical breakdowns, similar to an extended warranty on a car.
The company offers useful discounts on auto insurance, including discounts for military installations and low annual miles. USAA and car owners insurance are often the cheapest options on average for car insurance with full coverage for 17-year-olds. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. The following sections provide estimates of the cheapest car insurance rates for drivers who may fall into these categories.
For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple. Since most insurers offer a grace period to update your policy with your new vehicle, your dealer will usually only need proof of insurance before giving you the keys. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.