- Part 2

Top Tips To Obtain Cheap Auto Insurance In Virginia

January 8, 2014 by Rebecca Adkinson

How to find cheap car insurance in Virginia is the number one question for many people that are still struggling with the effects of the recession. Nowadays, the internet is full of people that offer different tips and recommendations how to lower your premiums, what to do, what to ask, what not to do, and all in order to find affordable auto insurance. However, eve so that most of the people have good intentions plenty of those advices are pretty lame and don’t make big difference. Here follow some of the most effective tips on how to get the lowest possible car insurance premiums in the state of Virginia.

First of all you need to talk to your insurance agent about your driver’s record. Nothing affects more your premiums than what is written in that record. If you have some traffic violations or car accidents from your past he needs to tell you after which period they can be erased so they won’t affect your premiums any more. Your insurance agent should be able to tell you that. There is no reason for you to keep on paying for the mistakes you did as a young driver. If you manage to stay out of troubles while on the road for certain period your record will be cleaned and your premiums will drop.

You also need to talk to your agent about your age and how it affects your premiums. Drivers over the age of 65 and under the age of 25 are likely to pay more than any other age group. Those senior drivers in average pay more because there is a bigger chance they to experience some health issue that impair their driving, while the younger under 25 age drivers pay for their lack of driver’s experience. The only positive thing is that they eligible for various discounts. For an example, the senior drivers over 25 can get a discount if they pass a defense driving course in VA. As far as the younger drivers they can get a discount if they maintain a good grade point average or/and if they pass some driving course as well. However, not every company can give them a discount for their driving course because they are not obligated by state law as with the older drivers. Regardless, of that plenty of insurers grant a discount to the drivers that can prove that they have passed such course.

Your marital status and your profession also affect your cheap car insurance premiums in VA as well. The insurance companies have statistics that prove that married people are less involved in car accidents than unmarried people. They strongly believe that marriage make people to behave more responsibly in life, on the roads included. The result of that thinking is lower premiums. Many companies also grant lower premiums to people that work as police officers, serve in the army, fire-fighters, emergency medical technicians and teachers. That is their way to show some social responsibility and get back something to the community.

In addition to all that you can get discount if your car has safety features, you don’t make frequent claims, you stay with one company for a longer period, and you pay your premiums in full.

But all won’t matter much if you don’t get multiple free quotes. All you need to do is to enter your zip on the top of this page and compare quotes. There is no reason to overpay your car insurance more than you need. Do that and you will see how low the car insurance in Virginia can help you.

Filed Under: Virginia Auto Insurance For Low Income Earners Tagged With: car insurance in Virginia, VA auto insurance policy, VA low cost car insurance

Guide On How to Find Affordable Auto Insurance in Virginia

January 7, 2014 by Rebecca Adkinson

Auto insurance in Virginia is mandatory, required both by federal and state laws. Anyone driving without it risks being penalized by the authorities. The penalties and fines can be pretty severe and can cost you as much as an auto insurance policy costs. Therefore, forget about driving without it and buy one if you don’t want that to happen to you. The only thing that is in your hands is how much you will pay for the policy. If you follow this simple guide you will surely find cheap auto insurance in Virginia. All it takes a fraction of your free time and almost no effort.

Before you approach car insurer for a quote or even consider buying a policy, you need to be sure what you need. Beyond the minimal coverage, you will need to base your decision on how much coverage you need and how much you can afford, finding the perfect balance between your need and your finances. Your coverage should fit your particular circumstances, not some general plan that some insurer might try to sell you.

With that in mind you should start looking for quotes from as many insurers as possible. Nowadays, that is pretty easy; all you need is an internet connection and a PC. You go online, enter your zip and you can have your free quotes for comparison. That should give you a clear view on what’s offered and what to expect. It’s pretty fast, won’t take too much of your time and it’s completely free as well as non-obligatory.

Once you see what’s on the table you can search and see if there are other ways to reduce the offered premiums for maximum savings. Insurance companies offer various discounts to their policy holders. Today you can get a discount only because you are married or your credit score, two seemingly unrelated factors to car insurance. Both those things are seen as signs of stability and maturity, something that insurers reward with lower premiums. On the other hand if you are not married and your credit score is poor than your premiums will be pretty high compared to if you were married and with good credit rating.

The important thing is to make a list of the possible discounts and see for which you are eligible and for which you need to do something to obtain them. Aside the mentioned types of discounts the insurers offer discounts if you: pass defensive driving course, you have a good driving record, you pay your premiums in full, your car has safety features, etc. If you talk to an insurance agent he can give you a list of all the potential discounts that you could have.

Combine the offered discounts with the lowest quotes you find online and you will surely obtain the cheapest possible coverage. If you are interested you can instantly get the lowest car insurance quotes in Virginia. All you need to do is to enter your zip code above on this page and you can find Auto insurance in Virginia that suits you the most.

Filed Under: Virginia Auto Insurance For Low Income Earners Tagged With: auto insurance in Virginia, cheap auto insurance in Virginia, Virginia auto insurance

An Overview Of Car Insurance Discounts Offered to Virginia Car Owners

January 6, 2014 by Rebecca Adkinson

Each insurer offers different types of auto insurance discounts. This is a short overview on some of the common discounts offered by most of the insurers in the state of Virginia.

There are plenty of car insurance companies in Virginia and each of them has its own discount policies. However, there are many common discounts at disposal to the car owners in Virginia. If your car insurance agent forgets to tell you about, you need to remind him to tell you more about. The more you know about the discounts the better your chances to obtain cheap car insurance in Virginia. Here follow few good recommendations on some of the potential discounts.

Most of the auto discounts are based on the driver and his behavior while driving. While not every driver can be eligible for every possible discount, there is some type of discount/discounts for which every driver can be considered as eligible. Clean driving record is one of the most influential factors that can help you obtain cheap car insurance. But it can also skyrocket your premiums as well, that is if is not as clean as you would like. The best thing to do is to ask your insurance agent for how long you need to keep out of troubles while on the road so you could achieve safe record. Vast majority of the insurance companies will erase your moving violations or accidents from your driver’s record after a certain period that is if in meantime you succeed to stay out of trouble. If you achieve that your insurance company will award you with great discounts and after a while you will pay the lowest possible premiums.

In addition to that, many insurers offer discounts to drivers that take defensive driver courses. While only some of the insurers offer discounts to any driver who takes a state – approved course, every insurance company is obligated by the Virginia state law to offer some sort of discount to any person aged 55 or over who has a valid certificate that have passes such course. Also, many insurance companies offer discounts to first time drivers, especially teenagers, who pass such course before they have their driver’s license. When it comes to teenagers many insurance companies also grant them discounts if they manage to keep grade average point not lower than B or higher.

Many car owners are eligible for some sort of discount if they work in certain area that is part of public interest such as police officers, armed forces, teachers, fire fighters or emergency medical technicians. The insurance companies see this type of discount as a way for them to give back something to the community in some way, helping the people that have dangerous, stressful and often difficult professions. Plus if you need to buy more policies and your purchase from one company your discount shouldn’t be questioned. The only concern should be is how high the discount will be.

Even with all those discounts you won’t find the cheapest car insurance in Virginia if you don’t go online and compare quotes from multiple companies. If you want you can do that instantly, just enter your zip above on this page, and compare free quotes for top savings.

Filed Under: Virginia Auto Insurance For Low Income Earners Tagged With: car insurance in Virginia, cheap car insurance in Virginia, Virginia car insurance

Various Types of Auto Insurance in Virginia

January 4, 2014 by Rebecca Adkinson

Auto insurance in Virginia covers a vast variety of circumstances to provide the driver with the mental peace. In addition to this, the auto insurance law of Virginia also compels a person to have insurance. Different requirements are set for different people. If you are liable to carry insurance, then it is better to be aware of the circumstances in which it will be effective; so that you can convert your legal obligation to a personal asset.

If you observe most of the policy coverage that are generally available these days, it is observed that there are six basic types of auto insurance coverage. There are planned on the basis of the most common types of road accidents. In addition to these, there might be some extraordinary circumstances in which you can get covered in your policy. It depends on you whether you choose minimum coverage or an extensive package. You can check whether you have gotten the right policy and rates by comparing it with the other auto insurance quotes in Virginia.

One needs to have the basic knowledge about the coverage so that they do not get “over-insured”. This might result in payment of higher premium; even though the probability of utilizing that clause of the policy in reality. Here are the general concepts reVArding the basic types of coverage of auto insurance in Virginia.

1. Liability coverage: every driver in Virginia is liable to get liability coverage of minimum 60,000 . This does not cover any damage done to you or your vehicle or any property under your name. If you ever have been in an accident in which you were found guilty of being at fault, then this covers the damage caused to the other person and his property. Most of the time, the minimum liability coverage is insufficient to completely compensate the other person’s damage. This provides the coverage whether you are driving your own car or somebody else’s car.

2. Property damage liability: this is the extension to the liability coverage clause. This covers the damage done to the property of the third party in an automobile accident, in which you were found guilty of being responsible for it. The minimum state limit set by Virginia authorities for property damage is $25,000. You get insurance for a higher amount. A deductible might be a part of this. This protects you from any future damage that you might be sued for.

3. Comprehensive coverage: this covers different type’s circumstances that might result in your car getting damaged; other than normal circumstances in which the damage occurs due to collision with another car. These might include hurricanes to other natural disasters. This would also come into action if the vehicle gets stolen or have a collision with animals.

4. Collision coverage: the name is self-explanatory. This covers the damage incurred by you in collision with some other vehicle or stationary object. Some policies also provide coverage for damages after moving over some hole or turn upside down due to any reason. Their primary action is to pay for any repair cost incurred in bringing the vehicle in proper working condition. If the vehicle cannot be repaired, then the insurance providers provide the amount equal to the current value of your vehicle.

5. Gap insurance: it is observed that when a new car is bought it loses its value quickly. This insurance covers any damage incurred by the car during this period of rapid depreciation. This is also called lease insurance. This is important since the normal coverage only reimburses the amount equal to the current value of the car.

6. Rental insurance: this is a rare occurrence, since numerous policies would not cover you if you become a part of an accident while driving a rental car. Such policy covers clause relating to different types. This might provide personal as well as liability coverage. Although it does not cover provision of a rental vehicle when you car gets damaged.

7. Physical damage coverage: this includes comprehensive, collision and theft coverage. Virginia requires every person to carry a minimum amount of damage. This is effective when your car is under the process of repair but allows you to be prepared for future fatalities and auto issues, in general.

8. Uninsured driver coverage: if you get in an accident in which the other party is at fault but it does not have any insurance coverage to protect you; then covers the cost of any medical damage incurred by you or the people travelling with you.

9. Fire and theft coverage: In 2010, 68,220 stolen vehicles were reported in Virginia; with the value of $635,570,078. That is why it is smart to get theft and fire coverage in Virginia. The cause of fire might be varied, even if the fire occurred due to collision.

10. Bodily injury liability: If an accident caused by you results in any other person injured, then you can use this to compensate any damages that you might be sued for. This does not give any benefits to you or any other driver mentioned in your policy. This might include the injured person’s medical bill, rehabilitation and nay other therapies required. The minimum liability of Virginia authorities is $30,000.

11. Personal injury protection: It is also called medical payment insurance. It provides similar coverage like bodily injury liability. The main difference lies in the fact that it covers medical and health costs for you, in case of an accident. This can work in hand with your medical insurance. You might be lawfully liable to get this insurance. This is a great way to ensure extra protection.

Now that you have acquired the basic knowledge about the different types of coverage at your expense, it is time to find out that are you smartly insured or are being taken advantage of by your insurance provider. Just add your ZIP code in the box above, and within 3 minutes you would get all the information from different policy providers with regards to their cost.

Filed Under: Virginia Car Insurance Frequently Asked Questions (FAQ) Tagged With: auto insurance in Virginia, car insurance in Virginia, types of car insurance, Virginia auto insurance, Virginia Auto Insurance Laws

The Right Time to Talk to Your Virginia Auto Insurance Agent

January 3, 2014 by Rebecca Adkinson

As with the other states when you need new or you want to renew your old car coverage, you call or go to fully licensed Virginia auto insurance agent. In addition to that the insurance agent is someone who understands your auto insurance in full and who you need to talk when you have some question regarding that. However, that doesn’t mean that you need to call him every time day or night when you have some doubt. Here are few situations when it’s a good idea to call him so he can explain you what’s their company’s policy on those matters.

Before you buy a new car

The model, the type of the vehicle, its price and its safety features, all that can significantly affect your premiums. However, generally speaking the cost of the vehicle if what makes the biggest impact on your car insurance premiums. The more expensive your vehicle will be the higher your premiums. Exactly how high only your insurance agent knows because every insurance company calculates that differently.

Before you borrow your car to a friend or family

If you borrow your car to a friend you know that in case of an accident your premium can get hurt as well. Therefore talk first to your insurance agent if you often borrow your car to your friends.

Before you add your spouse or child to your policy

First of all when you are married you qualify for discount. Companies see that as positive sign and as a result of that they reward married people with lower premiums. Adding your spouse on your policy can earn you additional discount only if he or she has a good driver’s record, otherwise it can raise your premiums. Talk to your insurance agent and ask him what he thinks regarding that matter. Adding your teenage son or daughter to your policy won’t bring you any discount, but it will surely raise it. Teenage drivers are considered one of the riskiest groups and pay the highest premiums.

Before moving in another neighborhood

The area where you live strongly affects your premiums. If you live in an area with high crime rate you get to pay higher premiums. You can have the perfect driver’s record but if you live in such area plus you park your car on the street there is no escape from high premiums.

Before renewing your car policy

This is probably the best time to call your agent unless he calls you first. At this point you need to ask him to give you a quote. You need also to mention him that you will look for other quotes as well. That should shake him a bit and motivate him to give you a better, lower quote. Regardless of that it’s always a good idea if you get quotes from other insurance companies as well. The best and the fastest ways to do so is if you enter your zip above on this page and compare free quotes for top savings. This is the fastest way to find cheap auto insurance in Virginia.

Filed Under: Virginia Car Insurance Frequently Asked Questions (FAQ) Tagged With: auto insurance in Virginia, auto insurance laws in Virginia, Virginia auto insurance

List of Car Insurance Discounts in Virginia

January 2, 2014 by Rebecca Adkinson

Buying cheap auto insurance in Virginia can be easy as a walk in the park or impossible task if you don’t know how to obtain it. In order to get the cheapest possible one needs to know the discounts that are offered by insurance companies. Here follow list of discounts available to Virginia drivers. Use what you learn here and you will definitely qualify for a discount. How big the discount will be depends on how much you will apply this knowledge that you will obtain by the lines that follow as well as from the insurance companies.

– Defensive driving discount

Drivers that are at age of 55 age and older that will pass the defensive driving course are eligible for a discount. If you are part of that age group you need to provide a certificate issued within three years approved by the department of motor vehicles.

– Good driving discount

You can have this discount only if each of the drivers in your household have not had no at fault accidents or moving violations in the last three years.

– Multiple automobile discount

You can get this discount only if you place all of your vehicles of your households with one insurance company.

– Good student discount

In order to be eligible for this discount you need to be no more than 25 years of age, at high school or a full time student, and to have a grade point of 3.0 out of 4.0 or higher.

– Passive restraint discount

Every vehicle equipped with a factory installed air bag or some other type of passive restraint which is made according the federal safety standards will receive discount on the premiums for income loss benefits and medical expense benefits.

– Student away discount

Students that study in a place that is at least 100 miles away, who keep their vehicle at home and who drive it only while they are home for holiday or vacation are eligible for this discount.

– Loyal customers discount

Almost every car insurance company in the state offers discounts for its loyal clients. If you keep a good driving record and you stick with one insurer for a longer period it’s highly likely that you will pay pretty low premiums on your car insurance.

– Name your spouse as second driver

This will qualify you for a discount only if your spouse has a clean driving record. Otherwise you will do the opposite, your premiums will increase. Therefore first check if your spouse has a clean driving record.

– Spend less time on the road

The fewer miles you do the higher the discount will be. You need to talk to your insurance agent about this and he will explain you how the system works with this type of discount.

Even so that the recommendations above can significantly reduce your premiums there is one more thing that can make even bigger difference. That is to get as many quotes as possible from as many auto insurance companies that operate in the state of Virginia. The fastest way is if you enter your zip above and get free quotes for comparison of auto insurance in Virginia.

Filed Under: Virginia Car Insurance Frequently Asked Questions (FAQ) Tagged With: auto insurance in Virginia, auto insurance laws in Virginia, Virginia auto insurance

Do’s and Don’ts Guide to Young Driver’s Virginia Car Insurance

January 1, 2014 by Rebecca Adkinson

Coverage of auto insurance in Virginia for young drivers is eye-watering. Almost by default young people under the age of 25 are destined to pay high premiums. However, there are ways to lower your premiums regardless the age. This guide can help you to do so. All you need to do is to stick to the Do’s and Don’ts recommendations that you will find in this article.

Do – try to add a second more experienced and responsible driver to your policy

This will surely decrease your premiums. For an example, if you add a 40-year old family member with clean driving record you add some “weight” to your policy which will be seen as a positive sign by the insurance companies and they will grant you a discount. Even if that family driver does not use the car so much you will have your premiums.

Do not – put someone else’s name first on your policy if it’s your car

Many young drivers put their parent’s as main drivers so they can cut insurance costs. However, that is called fronting and it’s illegal. If caught this can stain your driver’s record permanently and can even lead to prosecution, therefore do not do it.

Do – inform your insurer about some special circumstances and changes

You need to inform your insurer if something is change that affects your car policy, something such as you modified car or you expect to drive more than 7.500 miles a year. In case you forget to mention that to your insurer and you want to make a claim, even for an issue not related to that, your policy can become invalid. Even if you change your address you need to call your insurer and notify him about that. On the other hand canceling an insurance policy due to a fraudulent claim can be very difficult and very expensive. Not to mention that it will go into your driver’s record and will affect your premiums for the rest of your life.

Do not – pimp your vehicle

Your vehicle might look cool and sound great but it won’t do any good to your car insurance premiums. The more you modify your vehicle the higher your premiums will be. A modification is considered anything that is not part of the standard vehicle specification, even alloy wheels are considered as such.

Do – bring all of your insurance policies under one roof (company)

If you give all of your car policies or any other type of policy to one company you will make your insurance agent very happy. Insurance companies love that and will surely award you with great discount. The more business you bring them the bigger the discount.

Do not – be tempted to lie

When it comes to car insurance there is one simple and golden rule that says: “Tell them the truth and nothing but the truth”. Otherwise you risk prosecution and premiums as high as Mount Everest.

Do – Enter your zip above to compare free quotes and see how much you can save.

There is no better way to find affordable Virginia auto insurance.

Filed Under: Virginia Car Insurance Frequently Asked Questions (FAQ) Tagged With: auto insurance in Virginia, auto insurance laws in Virginia, Virginia auto insurance

What To Do if Pulled Over By Authority Officers for DWI in VA

December 31, 2013 by Rebecca Adkinson

When one mentions the Garden State, one of the first things that come to the mind of the average man is the Nets and the car insurance in Virginia. The high car insurance premiums are supported with some of the strictest DUI laws in the country. Thousands of people every year are stopped and questioned by the police whether they might be driving while intoxicated. Almost by default the police inquire about alcohol, especially if it’s late at night. Here is a quick guide on how to behave in such situation, your rights as well as your obligation as a citizen of the state of Virginia.

The smart thing to do if a police officer signals you to stop is to use your turn signal and carefully pull over on the side of the road. At that point you need to stay in your car, keep your hands visible to the officer and wait for the officer to approach your car. When the police officer approaches you act natural and do as you are told. It’s highly likely that he will ask you for your driver’s license, insurance card and registration. While you produce the documents the officer will observe you and see how you perform.

If and if it’s late night he will surely ask you whether you been drinking or not, simply say that you are claiming your fifth amendment rights if you have been drinking. Discussing where you were, what you did, with who you were or whether you were drinking at all won’t help you much. However, if the officer asks you to take a BAC test you need to know that you are obligated to do so by the Virginia state laws. If you refuse to take the test your driver’s license can be suspended for at least seven months, regardless if you were or were not under the influence of alcohol. The main point is not to refuse to take the test.

No matter how the test will turn out, you need to be cooperative with the police officer and don’t argue. Simply comply with whatever he or she says and listen to what he tells you to do so. You shouldn’t get out of your vehicle unless you are asked to do so. In case you are asked to step out of the vehicle you need to be careful not to trip or stumble when you get out. If the police officer asks you to do a field sobriety test such as put your finger to your nose or walk heel to toe. You can kindly refuse to do so because no law obligates you to take them. If you are arrested for Driving under influence the best thing to do is to call DUI attorney and let him take care of it. The best thing for you would be to be as quite as possible and practice the Fifth Amendment right. Once you are out you need to call your insurance agent and arrange a meeting where you can inform him about your new circumstances. There you can discuss how that affects your premiums and what to expect.

Considering your new situation, you can do one more thing, and that is to check online what insurers have to offer to people caught DUI. The fastest way to do that is if you enter your zip above on this page and get free quotes from some of the companies of best car insurance in Virginia that operate.

Filed Under: Virginia DWI and DUI Laws Tagged With: car insurance in Virginia, DUI Laws in Virginia, Virginia car insurance

What to Do If You Were Caught of DUI in Virginia

December 30, 2013 by Rebecca Adkinson

So you had a few drinks, you were stopped by a police officer and your BAC was over 0.08%. That means that you have been driving under the influence, at least according the DUI Laws in Virginia. First of all don’t panic. The best thing to do is to be cooperative with the police officer and do as you are told to do so. Refusing to take the test, arguing with the police and denying that you are drunk won’t do you any good. You need to get over it as soon as possible and make sure that it is your first as well as the last time you do so. The point is that if you are first time offender, make sure that you stop there and not turn to second or multiple times offender. All that you can do at that point is pay your fine and stick to what the authorities have prepared for you.

Your next step should be to call and make an appointment with a DWI attorney. You need to find someone that is experienced in dealing with DWI cases and who is willing to take your case. If you are first time offender and your BAC wasn’t too high he can help you avoid a lot of troubles in terms revoking of your driver’s license as well as other to pay a smaller fine. A simple online search or a recommendation from a friend or family can direct you towards a reputable DWI attorney.

Once you do that your next move should be to make an appointment with your insurance agent. Regardless how your case will turn out on court, your DWI will find its place in your driver’s record and there is not much that can be done about it. What you can do is talk to your insurance agent how it will affect your premiums and more importantly for how long. Nowadays, there is an expiration date to everything, after certain period your DWI can be erased from your driver’s record and your premiums can be back to normal. That is if you behave well on the road and don’t do that again or you are the cause for some car accident.

Another thing to do is to erase your name from someone else’s car insurance policy, because you will raise his or her premiums as well. It’s highly likely that your name is on some of your family member’s car insurance coverage and the sooner you erase your name the less chances his or her premiums to grow.

Regardless your DWI in your driver’s record there is no reason why you shouldn’t regularly check for quotes from different insurance companies. Nowadays, that is pretty simple and doesn’t too much time or effort. Even at this same moment you can do that, all you need is to enter your zip above on this page and you can get multiple free quotes from great number of Virginia car insurance companies. Try it, it’s fast, it’s efficient and it won’t cost you a dime.

Filed Under: Virginia DWI and DUI Laws Tagged With: car insurance in Virginia, DUI Laws in Virginia, Virginia car insurance