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Various Types of Auto Insurance in Virginia

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.

The Right Time to Talk to Your Virginia Auto Insurance Agent

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.

List of Car Insurance Discounts in Virginia

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.

AutoInsuranceInVirginia–              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.

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

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.