The State of Georgia recommends no specific insurance policy, you as a driver are simply required to have an auto insurance coverage policy. Further and better information would most likely be found at your DMV.
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Virgin car insurance does have good benefits for good drivers. Car insurance benefits will depend on the drivers record, car type and driving record.
The Office of Insurance and Safety for Georgia (http://www.gainsurance.org/ConsumerService/RateComparisons-Auto.aspx)offers a great tool to assist drivers who are seeking detailed information about various coverage types, and the costs associated with each option. The rates for new drivers will vary significantly based on many factors. The age of the driver, type of car, and type of coverage desired will all be factors that influence the total cost of a new insurance policy.
Car insurance for new, young drivers is more expensive then adult's car insurance. The reason is drivers have to prove to the insurance companies that they are safe drivers. The average insurance for new drivers is anywhere from $2000 to $5000 a year, depending on the type of vehicle insured and one's location.
in the state of New Jersey drivers with a history of repeated DUI offences can get car insurance however they are required to get a specific type of insurance called SR-22 Auto Insurance. This type of insurance can be extremely expensive and not all insurance brokers offer it meaning that the insurance you need can be very difficult to obtain.
For DUI's on your record, you will have to have SSR insurance which will increase the cost of insurance. Progressive offers this type of insurance at a descent price.
It depends on the drivers age, driving history, type of car, and type of coverage. Generally they are fairly high.
Almost all auto insurance companies offer different deals to match any type of driver, especially also high risk drivers. Some of these companies are The General Insurance, Drivers First Insurance, Titan Insurance, Acorn Insurance and many more.
Most states have a state mandated high risk driver insurance program that says if you want to insure vehicles in the state you must take on a certain number of high risk drivers, Google your states program.
Of course you need insurance regardless of the type of drivers license. If you own a car and have someone else drive you insurance on the car is still needed with the drivers who operate the car listed on the application. Insurance companies have gotten tired of paying claims on vehicles with drivers not listed on the policy. I am seeing more and more cases where the insurance company is denying the claims for material misrepresentation (lying). Most state laws require that all vehicles have liability insurance to be on the road. Here in Georgia, a system is in place where the insurance companies notify the state whenever a policy is cancelled or written and the registration will be cancelled if you don't have insurance as well as fines imposed for any lapse in coverage. The notifications are all electronic directly from the companies to the Georgia Department of Motor Vehicles. As a matter of full disclosure, I own and operate a small Independent Insurance Agency in Georgia and have for 22 years. I also was an agent for a direct writer insurance company for 3 years prior.
It depends on what type of liability insurance you need. Contact an agent in your area.
Hazard insurance is specific to a certain type of problem that can happen to your property. This can be anything from flood insurance to vandalism insurance.