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Buying a car is a serious task, especially if you don’t know where to begin. If you’re a resident of Georgia and you are ready to buy a car, we have everything you need to know to make the process as seamless as possible.
Georgia’s car purchasing laws may be different from other states, so it’s important to educate yourself before embarking on this venture. This article will provide you with extensive information about the factors you should consider before buying a car in Georgia, including car insurance laws, sales tax rates, and how to pick the right vehicle.
Understand the Insurance Requirements
Car insurance protects both you and your vehicle and is required by Georgia state law. Liability insurance is the minimum coverage required, and it will cover the costs associated with any accidents in which you are at fault. The car’s make and model, as well as its history if it’s a used vehicle, will influence the insurance rates, so do a GA VIN check to see this information and more.
Know the Taxes and Fees
The cost of purchasing a car in Georgia includes various taxes and fees outside the sticker price. The state has two types of taxes related to vehicles:
- Title Ad Valorem Tax (TAVT): This tax is paid upon obtaining a title and constitutes 7% of the car’s price.
- Annual Ad Valorem Tax: This mostly concerns non-titled vehicles and those vehicles that are exceptions from TAVT.
Make sure you have these expenses in mind when considering the type of car you’d like to buy.
Research Your Options
Before you even open your wallet, it’s essential to research the car models that are available. There are many factors you should consider when making your decision, such as fuel efficiency, safety ratings, and reliability. Don’t forget to take a test drive and find the vehicle that suits your specific needs and driving style. You can start your research online, but make sure to visit local dealerships and test-drive your top options to make an informed choice.
Decide How to Pay
There are several financing options to consider, such as leasing, getting a car loan through a bank or credit union, or paying in cash. Each option has its pros and cons, so it’s vital to determine which option is best for your needs. You should also factor in the cost of interest rates and monthly payments when deciding on your payment plan.
Always Get a Vehicle History Report
Finally, before purchasing your car, make sure to get a vehicle history report. This will provide you with crucial information, such as prior accidents, maintenance records, and the number of previous owners. Obtaining this information will help you make an informed choice and ensure you aren’t buying a lemon.
Conclusion
Purchasing a car in Georgia can be an extensive process, but it doesn’t have to be intimidating. Make sure to do your research and consider all the options available to you before buying a car. Understanding the sales tax, insurance requirements, and payment options can go a long way in making an informed choice. In the end, always remember to get a vehicle history report, and you’ll be well on your way to driving your new car off the lot.
