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Unread 03-08-2005, 02:55 PM   #1
00Cherokee+98Z
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question for GA residents

Im gonna have the option to have my legal address switched to my mother's new place in GA (Cobb or Cherokee) when they move down there. I still go to school up here, so I'd have to stay here for the next couple years anyway. Im debating whether it's worth changing over now so i can register my cars down there and hopefully save a little money. (I live with my father here in NY so i could either leave things alone or switch).


1) How are auto insurance rates down there???

2) What are the state inspections like? sniffer? OBDII? no emissions?

3) Does GA require a front plate and windshield stickers?

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2000 [COLOR=dimgray]Silverstone Metallic[/COLOR] XJ Classic 4x4, 4.0L HO, AW4, just some 29.5" tires, trail lights and recovery points for now.
2005 [color=navy]Midnight Blue Metallic[/color] Pontiac GTO, 6 liters, 6 speeds and 475 horses of fun.
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Unread 03-08-2005, 05:00 PM   #2
BeatAChevy289
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I can't tell you much about insurance because my main policy is on my 66' Mustang so it would be really biased based on the age of that car. But as far as inspection goes, you take the emissions test and then you are on your way...they don't check for tire size, how far they stick out, how much lift you have or anything dumb like that. Some of the smaller counties don't even have emissions so you just go get your license plate and bolt it on, but Cobb and Cherokee are growing really fast so they require emissions. As for windshield stickers, no we haven't had those since like 1995 I think. Front plates...nope, no front plates (I didn't even know there were states that required those...). For the insurance info, I would check out some of those sites that give you an instant quote and compare it to what you have now. I would imagine it's cheaper than NY but I really don't know. Let me know if this helped you out any. Later <><
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[URL=http://www.cardomain.com/id/blackyj95]Cardomain Site[/URL] (different from the other link)
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Unread 03-08-2005, 06:10 PM   #3
00Cherokee+98Z
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Quote:
Originally Posted by BeatAChevy289
I can't tell you much about insurance because my main policy is on my 66' Mustang so it would be really biased based on the age of that car. But as far as inspection goes, you take the emissions test and then you are on your way...they don't check for tire size, how far they stick out, how much lift you have or anything dumb like that. Some of the smaller counties don't even have emissions so you just go get your license plate and bolt it on, but Cobb and Cherokee are growing really fast so they require emissions. As for windshield stickers, no we haven't had those since like 1995 I think. Front plates...nope, no front plates (I didn't even know there were states that required those...). For the insurance info, I would check out some of those sites that give you an instant quote and compare it to what you have now. I would imagine it's cheaper than NY but I really don't know. Let me know if this helped you out any. Later <><

thanks a lot, i appreciate the info. the plate thing is good to hear since i've been stopped up here a total of 8 times in my 2 camaros for not having a plate. i'll never put one on even if it stays registered in NY. the windshield stickers i just hate because they're ugly and they ruin my pictures of the car.

i'm gonna get a couple zip codes from down there and get some quotes. it'd be nice to not have to deal with emissions (again because of the camaro mostly) but o well, i'll find a way to deal with it.

thanks again.
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2000 [COLOR=dimgray]Silverstone Metallic[/COLOR] XJ Classic 4x4, 4.0L HO, AW4, just some 29.5" tires, trail lights and recovery points for now.
2005 [color=navy]Midnight Blue Metallic[/color] Pontiac GTO, 6 liters, 6 speeds and 475 horses of fun.
[COLOR=dimgray]B.S.M.C.C.E.P. CLUB Member #24 [/color]
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Unread 03-08-2005, 08:17 PM   #4
Slipslap
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yeah no front plates here. Thats mainly a northern and western thing I think. You know us rednecks down here are always 20 years behind. Insurance should be cheaper here. It's cheaper here then most states around us for some reason. But you will have to pass emissions up around the Atlanta area. Those can be a headache from what I heard from friends up there. Especially on older vehicles that were made when emissions were slack. But it appears yours are newer so no worry I would think. Good luck and welcome. There are some nice places to ride in North GA and the Tenn and N. Carolina area. Like Tellico and Windrock mountain.
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Unread 03-08-2005, 09:13 PM   #5
BeatAChevy289
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Yeah, they really don't care too much about lifts and tires since they are a way of redneck life in this state. To give you a for instance on slack laws around here, the local 4WP is now stocking DOT approved 46" Baja Claws. The legal tire size in GA used to be 44" but apparently not anymore since one of the show trucks for Southern Offroad Specialists has at least 46" tires on it and it's daily driven too. You don't really have to worry about much on the legal side since I think the law is that you can't move the front or rear bumper more than two inches from the factory location. Which means, literally, take the bumper off, weld new mounts 2" up or down and then re-install the bumper. A suspension or body lift does not alter the "factory location" of the bumper, just the distance from the ground. I know you'll probably be staying in NY, but you may take a drive down one day and decide you like it here. You could always x-fer to UGA..he he, go DAWGS. I may have given you a bunch of useless info here but at least you'll know what to expect when you come down to visit your mom. If you stay within a 10-15 mile radius of Atlanta, it's very urban and wealthy for the most part. Venture a little further and you'll find yourself in the sticks and a "Deliverance" situation. Just kidding! Later <><
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1966 Ford Mustang, Hi-Po 289 V8, 4:11's, I dare you to race me.
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[URL=http://www.cardomain.com/id/blackyj95]Cardomain Site[/URL] (different from the other link)
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Unread 03-09-2005, 12:27 AM   #6
00Cherokee+98Z
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Thanks for all the input. I'm looking forward to visiting down there once in awhile. the houses they are looking at are BIG and cost less than HALF of what their home up here costs.....plus our property tax is EIGHTEEN TIMES HIGHER up here.

i love Long Island, but it's becoming one of the most expensive places in the country to live. i shudder to think about the idea of affording my own house up here after college/graduate school.

who knows, maybe i will like it down there and move down there after school. from what i've seen so far, it looks like a nice place.
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2000 [COLOR=dimgray]Silverstone Metallic[/COLOR] XJ Classic 4x4, 4.0L HO, AW4, just some 29.5" tires, trail lights and recovery points for now.
2005 [color=navy]Midnight Blue Metallic[/color] Pontiac GTO, 6 liters, 6 speeds and 475 horses of fun.
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Unread 03-09-2005, 05:37 AM   #7
ltmke11
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Were all full of Northeasterners down here at the moment, Please try again in a few years!

j/k The zip code for Marietta (Cobb County) is 30064
The zip code for Cherokee Co is 30188

My insurance on my jeep is dirt cheep, but I am 32, married with 3 kids so I guess State Farm thinks I am not a risk taker
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Unread 03-09-2005, 09:26 AM   #8
Columbia TJ
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Insurance on Jeeps is dirt cheap around here. I sold my 2002 Honda Civic (insurance was $310 a MONTH) and bought my 2004 TJ and I now pay $140 a month on insurance.

No front plates- emmisions can be passed very easily...etc.
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Unread 03-09-2005, 11:37 AM   #9
Lurch77
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Insurance rates are horrible around here in the Atlanta area, including the two counties you listed. I guess if you lived nowhere else to compare them it might seem reasonable. Being military, I have moved from place to place and can compare. My insurance rates for the same exact coverage on the same exact vehicles was almost double what it was when I was stationed in Maine. I called my insurance carrier to get the Wisconsin rates for the same exact coverage on the same vehicles for when we move in a few months. We will save $500 a year once we move back to WI. And this was all with checking around and comparing prices.

In Maine, full coverage with $500 deductible on 2 cars and two ATVs was $92 a month. Same thing here in Georgia is $155. Too many thefts and the horrible traffic make for a very high loss rate in this area. It is probably different in the rural parts of GA, but this area sucks. But, seeing that you live on Long Island, 00Cherokee+98Z, the high rates I talk of probably are not going to seem high to you. I am sure Long Island has some pretty steep rates.


As for state inspection, only the countries around the Atlanta area do emissions. Cobb and Cherokee are two of those that require it. No other inspections are required.
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Unread 03-09-2005, 02:15 PM   #10
00Cherokee+98Z
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Quote:
Originally Posted by Lurch77
Insurance rates are horrible around here in the Atlanta area, including the two counties you listed. I guess if you lived nowhere else to compare them it might seem reasonable. Being military, I have moved from place to place and can compare. My insurance rates for the same exact coverage on the same exact vehicles was almost double what it was when I was stationed in Maine. I called my insurance carrier to get the Wisconsin rates for the same exact coverage on the same vehicles for when we move in a few months. We will save $500 a year once we move back to WI. And this was all with checking around and comparing prices.

In Maine, full coverage with $500 deductible on 2 cars and two ATVs was $92 a month. Same thing here in Georgia is $155. Too many thefts and the horrible traffic make for a very high loss rate in this area. It is probably different in the rural parts of GA, but this area sucks. But, seeing that you live on Long Island, 00Cherokee+98Z, the high rates I talk of probably are not going to seem high to you. I am sure Long Island has some pretty steep rates.


As for state inspection, only the countries around the Atlanta area do emissions. Cobb and Cherokee are two of those that require it. No other inspections are required.


WOW!!....155 for two cars and 2 quads???? I'm 19 (which isn't helping) and i have ONE minor traffic ticket and i pay almost 320 a month for full coverage on my XJ alone!!!! the Z28 would have cost me something like 9 grand a year to insure under my own name so my dad helped me out and put it under his policy but it still costs me another $230 a month (and he has a 38 year clean driving record).


these rates are KILLING me....


bravo-- thanks for the ZIPs.
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2000 [COLOR=dimgray]Silverstone Metallic[/COLOR] XJ Classic 4x4, 4.0L HO, AW4, just some 29.5" tires, trail lights and recovery points for now.
2005 [color=navy]Midnight Blue Metallic[/color] Pontiac GTO, 6 liters, 6 speeds and 475 horses of fun.
[COLOR=dimgray]B.S.M.C.C.E.P. CLUB Member #24 [/color]
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Unread 03-09-2005, 02:34 PM   #11
rjcj-8
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I did not see it mentioned but GA has or did have an additional fee it chargeds to register an out of state car. I know returning military was exempt from this but I do not know about students.

The fee was like $500 or $600. some one got tired of lossing tax rev. with people going over to AL to buy cars.
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Unread 03-09-2005, 03:17 PM   #12
Lurch77
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Quote:
Originally Posted by 00Cherokee+98Z
WOW!!....155 for two cars and 2 quads???? I'm 19 (which isn't helping) and i have ONE minor traffic ticket and i pay almost 320 a month for full coverage on my XJ alone!!!! the Z28 would have cost me something like 9 grand a year to insure under my own name so my dad helped me out and put it under his policy but it still costs me another $230 a month (and he has a 38 year clean driving record).
Lower rates are a nice thing about being married with children. Hey, something has to balance out for being married. I also have a clear driving record, am 27, and own a house. All those things makes the insurance companies think you are more responsible than some other people, so they cut you more slack on rates. Plus I don't own a sports car, just a minivan (very cheap insurance on this) and a WJ.

Quote:
Originally Posted by rjcj-8
I did not see it mentioned but GA has or did have an additional fee it chargeds to register an out of state car. I know returning military was exempt from this but I do not know about students.

The fee was like $500 or $600. some one got tired of lossing tax rev. with people going over to AL to buy cars.
Are you talking about the ad valorem tax? Each year when you renew your registration, they take a percentage of your vehicles value and add that to the registration fees. For example, my wife's van was an extra $212 this past year. The more your vehicle is worth, the more you pay. Luckily the Jeep is in my name, and I am exempt from it due to me being military and not a legal resident of GA.
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Unread 03-09-2005, 03:55 PM   #13
rjcj-8
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Quote:
Originally Posted by Lurch77
Are you talking about the ad valorem tax? Each year when you renew your registration, they take a percentage of your vehicles value and add that to the registration fees. For example, my wife's van was an extra $212 this past year. The more your vehicle is worth, the more you pay. Luckily the Jeep is in my name, and I am exempt from it due to me being military and not a legal resident of GA.

No it is not the ad valorem tax, if GA still has it, it is a one time fee paid when an out of state car is registered in GA for the first time. I had to get a waver from the GA vet affairs when I registerd a motorcycle in GA that i had purchased in TN while stationed in Memphis. Florida has/had a similar thing.


You might wan tot go over to the www.southernjeeps.org site and post this question on thier fourm. It's an ATL based jeep club that has several members in and around the area that you are asking about.
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Unread 03-09-2005, 09:53 PM   #14
Lurch77
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I went through the GA DMV site and couldn't find any large fees. So they must have got rid of whatever you are talking about.
http://www.dmvs.ga.gov/motor/registration/index.asp
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Unread 03-09-2005, 10:00 PM   #15
AMK
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Not sure about any special additional fee for out-of-staters, but I do know ad valorem tax sucks.

Ditto on all the given info. A little more info on emissions: 96+ OBD scanner, pre-96 sniffer.

Good luck if you plan to come down here to the South!
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