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Getting Cheaper Car Insurance Policy fro Senior Drivers

Seniors car insurance in Virginia is amazingly inexpensive. Seniors Virginia car insurance is relatively cheap since older drivers pose less risk to Virginia insurers as they drive less and are more careful. Senior drivers enjoy discounted insurance offers than drivers of a younger age. In fact, senior Virginia drivers aged 65 years and above can enjoy great auto insurance discounts that may be high as 20%. However, this largely depends on the specific Virginia insurer as each insurance company has different insurance policies from another. With such surprisingly discounted insurance rates, this translates to great savings on Virginia auto insurance that can add up to hundreds of dollars in a year.

A common car insurance discount offered to Va senior drivers is the popular driving course known as “55 alive” which is available in various AARP local offices in Virginia. This driving course aims at impacting relevant knowledge to Virginia senior drivers on various issues such as road safety and helping them understand the features of the vehicles they drive. Naturally, drivers would be required to check the availability, details and the dates but in most cases, this car insurance discount may be as high as 10%. This means that taking the course is worthy every senior driver’s time and effort in order to enjoy the discounted Virginia car insurance prices. However, not every Virginia insurer will include the driving course discount in the policy but may offer other discounts of the same nature.

CheapCarInsuranceQuoteInVirginiaEssentially, the most challenging issue faced by senior drivers is risking the cancellation of their policy as a result of at-fault accidents or being convicted for violating moving rules. Despite the fact that insurance companies offer underwriting guidelines that are highly flexible, the companies tend to focus their attention mostly on senior drivers rather than young and middle aged drivers. In fact, if a senior driver has various at-fault car accidents in a period of three years, rates on his insurance policy are likely to be increased substantially. This is followed by loss of discounts and other accompanying insurance surcharges.

Another factor that plays a major role in Virginia senior drivers’ car insurance is the health of the senior driver. This determines whether the auto insurer will actually allow him to drive or not as well as the insurance rates likely to be charged on the policy. Senior drivers aged above 70 years are required by many insurance companies to provide a note from the doctor showing their driving fitness. Where the senior driver is not able to provide this, the insurer can exclude the driving privileges included in the policy.

Shopping for affordable Virginia auto insurance covers can be a bit challenging for the old drivers. However, by entering your zip code at the above provided space at the top of the page, you can easily compare senior driver’s insurance rates from the best and reputable Va insurers. You can view varying options and make online applications from large and big Virginia insurance companies that guarantee you very cheap car insurance quotes.

Va senior drivers can apply various methods and strategies to insulate themselves from the risk of having their policies cancelled.  Having a good driving record by avoiding moving violations and at-fault accidents can eliminate the risk of the policy being cancelled or being denied discounts on Virginia car insurance prices for senior drivers. Also, senior drivers can mitigate the risk by driving more cautiously and slower. Avoiding driving in locations that one is not familiar with is of great help to senior drivers which may help them enjoy great insurance discounts and offers.

Luxury Car Insurance Options You Can Avail

Luxury car insurance options are highly preferred by drivers who own luxury and expensive cars. Luxury Virginia car insurance options prevents the insurance price from tripling when you add the price of the vehicle. However, insurance premiums for highly expensive cars that are of ultra value are not as high as most car owners tend to think as few insurers offer highly competitive rates for luxury cars. Since not every Va insurance company specialize in offering insurance policies on ultra expensive cars, it’s important to shop for various quotes from different insurers so that you can make comparisons. You can start your search on big companies such as travelers and Geico.

There are various factors that determine the premiums you pay for insuring your luxury car. Naturally the major determinants are the model of your car, the value and the make of the car. For instance, luxury cars such as a Delorean may attract high insurance rates similar to payment of loan mortgages. Luckily, most people have lesser expensive cars that are not likely to attract such high rates. In Virginia, insurance prices on certain cars such as BMW 750Li, Mercedes SL63 AMG, SL65 AMG and S65 AMG are higher as these cars are regarded as some of the most expensive cars. However, insurance rates on such cars are prone to change year after year so it’s essential to conduct an intense search on the actual insurance payments for various luxury cars from time to time. Virginia car insurance cost for luxury cars can also influenced by changes made by the manufacturer on the given car model.

Price charged by Virginia insurers on luxury cars is also affected by the condition and the age of the car. Other factors that also play a part are such as the miles that the car has already covered, driving record of the principle car driver and how often the car owner uses the car. All these will determine how much insurance premiums the car owner pays for the car insurance. For expensive cars in Virginia, car insurers recommend that the car owners should have a garage that is well secured and if possible, it should be installed with modern security systems. Car owners who prefer to have their luxury cars housed in a different address should make this known to the insurance broker or the agent.

Owners of luxury cars should make sure that they select the right insurance coverage for their car. The most ideal comprehensive car insurance benefit is essentially the ‘’stated value” insurance benefit. However, this luxury insurance cover is essentially the most expensive type of insurance. Insurance deductible options allow luxury car owners to control their insurance premiums to a larger extent. Higher priced automobiles enable Virginia car owners to select deductibles that are higher unlike in other vehicles that are relatively low priced. However, insurance limit on liability is definitely similar as in other vehicles you own.

For instance, if your liability limit on bodily injuries states $250 000, this should apply on other extra cars that you may opt to buy. An insurance umbrella that offers extra protection for your homes, autos and boats should as well be considered. You can easily find competitive insurance rates on your luxury car by inserting your zip code at the box above and getting a quote that offers you value for your money and from a credible VA insurance company.

Before you purchase a luxury Virginia car insurance cover, it’s advisable to view the approximated insurance rates as determined by liability limits and deductibles. This also helps you determine how such a cover is likely to affect the prices of your other vehicles and see if it is advantageous to have all your cars insured by the same insurer. Bundling all your car insurance needs in one company may attract great discounts and other insurance incentives.

How To Keep Your Virginia Car Safe

To keep your Virginia car safe has many advantages than you can imagine. Keeping your Virginia car safe offers great advantages such as less Virginia car insurance cost which is the dream of every car owner in Va. Thus, keeping your vehicle safe makes sense in very many ways and on top of saving on your annual insurance payments, you also save live in the process.  With the ever changing economic times characterized by high insurance prices and other vehicle maintenance cost, keeping your vehicle safe would considerably trim down the high costs associated with owning a car in Virginia.

If you own a car alarm system, just use it. Most car owners in Virginia would be surprised to learn that many car insurers in VA offer insurance discounts to car owners for just having a reliable and effective alarm system. Depending on where you live and whether you have an active or passive alarm system, Virginia car insurance discounts for having an alarm system typically ranges between 2 to 10%. Having an alarm system in a higher-theft region would certainly generate a large car insurance discount. Also, having other anti-theft gadgets relatively reduces your insurance premium to your advantage. Installing all these security devices aimed at deterring car theft certainly makes your car much safer to your advantage. Considering the fact that theft claims in some Virginia areas are as high as thousands of dollars, this translates to great savings per year.

Wherever possible, Virginia insurers always advise car owners to park their cars in garages that are enclosed. This also has many benefits apart from attracting lower insurance rates for your car. It keeps your car safe from harmful elements such as snow, hail and rain. This certainly reduces the insured risk from occurring meaning that you pay lower insurance rates which more so applies in a new car. With this, you save more money especially on the comprehensive section of your cover that includes theft and fire coverage. Storing your vehicle in a secure garage also helps maintain the good appearance of your vehicle by ensuring that it does not appear “weathered” as your vehicle gets old. In case you might want to replace your car by selling it, the car will have a higher resale as well as a higher trade-in value if you opt to trade your vehicle for a newer vehicle.

Keeping your Virginia car safe also means that consider what is inside your car. Most car owners tend to be highly concerned with the outside appearance of their car and rarely pay attention to the car’s interior. In general situations, your car contents are comprehensively covered by homeowner’s insurance coverage although special limits and other deductibles still apply. Thus, various items like CDs, clothes, luggage etc…are typically insured and are not prone to depreciation. To enhance safety, such items should be kept in places that passersby can’t find them easily to lower the risk of them getting lost. For instance, ensuring that your car’s doors are always locked can be such a great idea. This consequently means low insurance payments for your car.

To keep your Virginia car safe also means that you carefully consider the type of car you are buying. According to recent studies done by Virginia National Insurance Crime Bureau, the most stolen vehicles in Va are 2010 Toyota Carmy, 1996 Toyota Accord, 2003 Ford Explorer, 2000 Dodge Caravan and 2000 Honda Civic. These cars attract high Virginia car insurance rates. In fact, the cost of buying replacement parts for these five cars might even be of a higher value than the vehicle itself. Before buying any of them, you should check their insurance rates by typing your zip code on the box at the top of the page and assessing how insurance rates differ between these types of vehicles in Virginia.

Virginia Seat Belt Laws for Every Drivers’ Protection

Before getting auto insurance quotes Virginia, there are so many things that you should know.  

You hop into your car, start the engine, and back out of the driveway – forgetting several things:

1. Virginia law requires the use of your seatbelt

2. Virginia law requirement— front seat passengers over the age of 18 use seatbelts,  and use is required of all persons under the age of 18 regardless of position in the car,

3. Children and infants must be in approved safety seats, and

4. Most importantly – most crashes happen within 25 miles of home.

Are there valid reasons for not wearing seatbelts?   No, but these are some of the ones which are routinely heard:

* The belt is not comfortable.   However if the shoulder harness is worn across the chest (not under the arm or behind the torso) it should be adjusted properly.

* My clothing gets wrinkled.   Well that is unfortunate but not a good reason to risk being ejected from the car during a crash.

* I have airbags.   But airbags are made to be used in tandem with seatbelts and have a different function.

* If there is a crash or the car goes into the water I will not be able to get out.   In less than one in two hundred major crashes does a vehicle go underwater.   If you cannot get out of the seatbelt, you probably will not be able to open your door either; however there are multipurpose tools available which will cut seatbelts and provide other emergency use.

* Pregnant driving.   The seatbelt should be worn across the hips, not over the abdomen.   There is no risk to the baby.

* I’m only going on a short trip or at a very slow speed.   As mentioned, most crashes occur near home and the speed is not relevant.   You may be going slowly but the other driver involved in a collision may not be at a safe speed and his impact velocity will overcome all of your pre-conceptions about driving slowly.

If your seatbelt is not functioning properly, go to your dealer.   Nationally all manufacturers are required to provide lifetime repair or replacement of seatbelts (but not necessarily the anchors and mounts).   Have it replaced when the belt is not functioning property – it will save you injuries if needed in an accident, and possible fines if you are cited for failure to use.

Failure to use seatbelts is another of those violations of the law which may impact on the insurance coverage you have available in the event of an accident.   Many policies exclude damages incurred while operating the vehicle in violation of law.   Seatbelts may seem like a small issue but, depending on the insurance company, use of the belt may make the difference between having that spinal injury treated to the full extent of the medical coverage, or just having emergency services covered.

Obtaining proper insurance is more than merely selecting Virginia state minimum coverage.    Use the checkbox at the top of the page and determine some comparative auto insurance quotes Virginia from companies who are licensed to provide insurance in Virginia.   Learning the rules about insurance, about seatbelt use and general driving issues can be life saving and prevent life-long economic loss.

Usage of High Occupancy Vans in Virginia

Many companies, churches, non-profit groups, and training organizations in Virginia rely on the use of Vans which seat 9, 12 or 15 passengers in order to transact their business.   These are called High Occupancy Passenger Vans and have been on the roads for several decades.   Unfortunately, due to terrible crashes in New York and Georgia which resulted in rollover of the vehicle and deaths of passengers, the rules of use have tightened.    The publicity of these fatalities has drawn attention to the problem. Read on how it affects your auto insurance quotes Virginia.

The main problem according to the National Highway Traffic Safety Administration is that the safety of the vehicle diminishes as the vehicle ages.   With or without adequate maintenance, the structural integrity of the van will decline.    Federal law now prohibits the use of high occupancy passenger vans by pre-primary, primary and secondary schools due to the danger to children.   School buses have different design and integrity so only school buses may be used by these educational groups.

Another special concern is that the tires must be checked before every trip so that they are properly inflated and not worn.   Used tires should not be placed on these vehicles, and tires older than ten years should be immediately replaced.   The weight of the vans when loaded is a factor in the roll over problem.

If using a high occupancy passenger van, it is recommended that the driver should be well acquainted with the special handling characteristics of this type of van.   The van, especially when loaded, has sluggishness, slow turning capabilities and does not stop the way a passenger car would brake.   Overloading a high occupancy passenger van and then putting it on the road with underinflated tires or tires which are worn is multiplying the danger enormously.

Passengers should each have a seatbelt and use it for every trip – no matter how long or short.   The driver should be well rested and experienced.    Owners and drivers should remember that high occupancy passenger vans are not simply large cars.    If these reasonable and logical concerns are not met,   then there can be civil liability for damages or injuries – and those are escalated by the number of potentially injured bodies, along with the lack of exits from this crowded vehicle.

The publicized crashes last year which resulted in ten deaths in the New York and Georgia rollover crashes illustrate the concern that instability in the balance of the vehicle can compound situations caused by wind, steep inclines, unbalance number or size of bodies within the van.   The passengers need to remain seated during the ride and remain belted.   When passengers move from one side to another they change the weight balance which can increase the load on the tires and change the steering characteristics of the van.

Civil liability, or at least the lawsuits which seek to determine civil liability, may or may not be covered by insurance.   A standard Virginia state minimum policy would never cover the issues, damages and potential deaths.    More information on available insurance costs, overage, and companies which have the authority to operate in Virginia can be found by putting your zip code in the block at the top of this page.   Please compare.   Drive safely and intelligently. Get your auto insurance quotes Virginia now.

Drunk Driving Laws Of Virginia for Driver’s Protection

Happy hour is an important part of some peoples’ day.   Especially in Virginia where there are many military bases and armed forces retirees, relaxing over an alcoholic drink is almost a tradition.   Unfortunately most people who have these relaxing drinks do not choose to walk home.   Once they get into their vehicle and drive away, they may be classified as impaired and thus liable to be arrested for driving under the influence. Read through this article and you will find tips in getting around the costly auto insurance quotes Virginia.

Some of the steps which should be taken by hosts who are serving guests with alcohol include not putting excess alcohol into any mixed drink,   serving foods which are high in protein or carbohydrates.  These substances help prevent the absorption of the alcohol into the bloodstream, while foods which are high in glucose (sugar) will speed the absorption.    Any guest who appears to be drunk should be ‘cut off’ and arrangements should be made to have the person transported home safely by someone else (including a taxi) or the guest should remain at the party venue until sobered up.   Finally,   any host should cease to serve alcohol several hours before the end of the event.    This may not be popular with the heavy drinkers and may encourage them to leave and go elsewhere but will prevent you, as the host, from sharing the responsibility for damage, injury or fatality caused by the exiting drunk driver.

Alcohol is not the only substance which can impair the ability of a driver.   Prescription medications, non-prescription drugs, and illegal (street) drugs can all have a significant impact on the concentration abilities of the driver.    A user of a hallucinogenic compound such as LSD is not a driver you want to encounter on a roadway.   While he is seeing psychedelic patterns in the road line markers, you are seeing a weaving speeding 2 ton weapon aimed at you.   Unfortunately medications interact with each other and with alcohol in a manner which may not be predictable.   Your age, diet, amount of sleep and other factors will influence whether you would be a safe driver after having consumed your medication.   Minor amounts of alcohol can join with medications for depression, diabetes, heart conditions, and other routinely prescribed chemicals and make them work excessively or nullify them out.    Many antibiotics are rendered useless if taken with alcohol.

Once drunk or impaired, the driver cannot simply ‘will’ himself sober again.   Time must pass for the absorption of the remaining alcohol in the stomach and intestines and to eliminate the amount already carried within the bloodstream.   Drinking coffee or caffeinated beverages does not change the fact of drunkenness.  It merely focuses the drunken person on the need to become sober and keeps them awake while the time passes.

For driving purposes you don’t have to be an alcoholic to be in trouble if you are caught by law enforcement.   The issue not how long or hard you have been drinking but how drunk you are at the moment stopped by the police.   One excessive celebration can get you arrested, booked into jail, and facing the full force of the DUI legal procedures.   Loss of license and the expenses of bail, attorney’s fees, fines, counseling, risk reduction classed, and reinstatement of license are only part of the concern.

Obtaining insurance for driving after reinstatement is an expensive proposition.  Investigation into the various forms of insurance and the auto insurance quotes Virginia can be started by putting your zip code into the box on this page.   Competitive rates will be displayed along with the companies which offer them.    Each of these disclosures will be additional education for the Virginia driver who wants to be safe and compliant.

Comparing Auto Insurance Quotes in Virginia

Operation of a motor vehicle in Virginia requires that the owner have obtained insurance coverage from an approved company and maintain that coverage throughout the time the auto, truck, motorcycle or other type of vehicle is used in the State.     Having this insurance coverage in place is a per-requisite for the issuance of a vehicle license plate.  Termination of coverage without using one of the other approved non-insurance methods will require that the owner of the vehicle surrender the license plate to the Department of Motor Vehicles. Read on and you will know more tips on how to make use of auto insurance quotes Virginia effectively.

AutoInsuranceInVirginiaVirginia requires minimum insurance coverage as follows:

Death or bodily injury to one person $25,000

Death or bodily injury to more than one person $50,000

Damage to property $20,000

As an alternative to obtaining this insurance coverage, a person can deposit a fee of $500.00 with the Virginia Department of Motor Vehicles which allows the operation of the uninsured auto – but which is not insurance.   A driver would still be responsible for the payment of all damages which might be caused by and damage or collision.  Further, when the vehicle registration expires, in order to renew the registration for a new interval, an additional $500 Uninsured Motor Vehicle (UMV) fee must be paid.  Clearly, having the state minimum insurance coverage is a better financial choice.

There are alternatives for businesses to having auto insurance coverage, such as the use of surety bonds and commercial self insurance plans, but these options are very expensive unless a large company or fleet of vehicles is involved.   When insuring one or two vehicles, it is more logical to have cheaper, verifiable, clearly understood coverage.  That type of automobile insurance is best obtained through a reputable insurance company.   Comparing auto insurance coverage quotes from several companies can provide excellent information about the details and costs of any policy.

Virginia penalizes the owner of a vehicle which is operated without state minimum coverage or payment of the UMV fee by suspending the driving and vehicle registration.   Reinstatement will usually require:  payment of a mandatory $500 fine, filing an SR-22 (Financial Responsibility Insurance Certificate)  for three years,  and payment of any additional reinstatement fees which may be required.

How would Virginia know that the insurance was cancelled or expired?    Actually there are a number of ways:

1. Insurance companies must electronically report to the Virginia Department of Motor Vehicles when a policy is created, cancelled, or suspended.   This information is available to the Department Clerks when a vehicle registration needs to be examined.

2. When any accident or collision occurs the law enforcement personnel will check the status of the insurance — and issue citations or arrests if necessary.

3. Any individual may choose to report an incident or accident where the police were not called and this report may trigger an examination of the insurance status.   Such reports are submitted to the Department of Motor Vehicles by spectators, involved passengers or drivers, or anyone else who has concerns about the sobriety, health or ability of the driver involved.   This reporting program is one means by which aged or ill drivers are monitored for safe habits and to determine if they meet the state of Virginia requirements for operating a vehicle.

4. Finally, and very commonly, there may be checkpoints set up by law enforcement for verification of operator’s license and insurance coverage.

Each of these situations can have unfortunate consequences for the uninsured vehicle owner, any of which can be avoided by procuring the state minimum coverage from a reputable insurance company.   Obtaining quotes for the best insurance coverage is not complicated.  Just enter your zip code in the box at the top of this page and you will receive information on at least three competing companies and their costs.    Compare the auto insurance quotes Virginia and you may realize that having insurance is a necessity in operating a vehicle in Virginia.

Lack of Auto Insurance Coverage Can Have Consequences in Virginia

Every day individuals get behind the steering wheel of their vehicle without thinking about their automobile insurance coverage.   The law in Virginia is that the owner of every vehicle must have mandatory minimum coverage or their license plate can be seized and the vehicle impounded.   The driver and owner are also subject to fines or other consequences. Appropriate automobile insurance will eliminate that risk and protect the driver, passenger and owner of the vehicle from much of the economic loss of an accident or collision. To get a cheaper policy, you need to fish for auto insurance quotes Virginia to make the most out of your money invested.

According to data provided by the National Highway Traffic Safety Administration and reported by the Virginia Department of Motor Vehicles,   there is a fatality in a vehicular crash every 16 minutes.   A person is injured in a crash every 14 seconds.  There is property damage from a crash every 8 seconds and law enforcement reports a crash (which may be one of the above or may be a crash without damage or injury) every 6 seconds.   Considering the number of vehicles on the roads today and the enormous variance of skill levels among the drivers, there is a substantial risk that anyone can be involved in a collision at any time they are near a roadway.

Virginia strives to make certain that all vehicles which are registered in that state have at least a minimum amount of liability insurance.   If the vehicle is found to be operating without having the state minimum requirements (Death or bodily injury to one person  $25,000;  Death or bodily injury to more than one person  $50,000;  Damage to property $20,000)  then the license plates must be surrendered to the Virginia Department of Motor Vehicles and the vehicle parked until the condition is remedied.   Even Antique vehicles which are otherwise not required to have Emission inspections must have the state minimum liability coverage.

Appropriate insurance, however, is not limited to the state minimum liability levels.   Note that none of those categories pay for injury to the driver.   Mandatory coverage is for the benefit of other persons and property, not that sustained by the vehicle owner.   If there is a collision with damages over and beyond that covered by the state minimum levels, then the owner and driver can find themselves paying those debts from their personal assets.   If there is personal injury where the medical bills and lifetime injury to the survivors exceeds the state minimum coverage then any excess is still the responsibility of the vehicle owner or driver if he or she is at fault.    Insurance policies can and should be written to protect the owner and occupants of the insured vehicle as well as other cars, people or property involved in the incident.

Uninsured and Underinsured Motorist insurance is a form of policy which can be written by insurance companies authorized to do business in Virginia.  This policy coverage protects YOU if you or your vehicle is struck by someone who has the state minimum coverage or no insurance.   By obtaining UUM coverage you can protect yourself and your passengers from being in pain and having no means to pay the bills.

Consequences for failing to have state minimum insurance coverage in Virginia include suspension of the driver’s license and vehicle registration.  There are reinstatement fees which exceed $500.00 plus the filing of a Financial Responsibility Insurance Certificate (SR-22) for three years,   plus a fee to the DMV.   Consequences for failing to have sufficient insurance (that amount necessary to meet the costs of an accident or collision) can be a lifetime of debt, pain and suffering.

At the top of this webpage you will see a box into which you can insert your zip code and then receive three or more competitive auto insurance quotes Virginia.   Compare – you may find that you can afford to drive legally in Virginia and still protect yourself and your loved ones in the event of a problem on the roadway.

Basic Auto Insurance Information for Drivers in Virginia

Aggressive driving in the Commonwealth of Virginia as well as other states in the United States can best be described as any situation where the driver of a vehicle allows emotions or competitiveness to overwhelm his or her ability to operate in a rational and trained manner.

Examples of aggressive driving are: Failure of a driver to maintain appropriate space ahead, beside or behind another vehicle. Racing behavior. Use of assertive language or gestures, Contact or close attempt to make contact by swerving vehicle or exiting the vehicle to threaten or intimidate. Aggressive driving is a criminal act in Virginia with consequences including fines, license suspension and potential jail time.  Apprehension of aggressive drivers is a high priority for law enforcement but the most significant concern to the public is preventing injury or damage due to this misbehavior.   Aggressive drivers are being warned that they should not get behind the wheel of a car when angry or overly emotional.   They should plan their trips and allow sufficient time to make their way without the stress of becoming lost or late.    The use of soothing music, comfortable clothing and relaxed conditions can all reduce the level of hostility which will defuse a situation. The rest of the driving or pedestrian public must also be educated so that if an aggressive situation occurs it does not escalate to damage or injury.    For example, these driving hints will help: 1.  Drive in the lane appropriate for your speed.   Do not drive slowly in the high speed lane. 2. Allow space when changing lanes, passing, or otherwise altering the course of your vehicle. 3. Use turn signals. 4. Brighten or dim your headlights as needed but with courtesy to other drivers. 5. Do not text or use your cell phone while you are driving. 6. Keep music and other distractions to a minimum. 7. Do not allow your passengers to misbehave or ‘prank’ other drivers, pedestrians or vehicle passengers. 8. Do not throw or allow items to be thrown from your moving vehicle. If your efforts are not successful in avoiding the aggressive driver,   then do what you can to let them pass on by.  If conflict is imminent, pull off the roadway into a well lit, established commercial area – ideally a police department.

Most fast food restaurants or convenience stores will summon police assistance if there is a problem developing right at their doorway.   Do not, however, leave your vehicle. Apologize, even if you are not at fault.   Often the aggressive driver has merely imagined the problem and an apology may distract him or her from the potential challenge.   Remember that a brief moment of embarrassment is far better than having your vehicle forced into a ditch or being compelled to defend yourself in a fistfight. Aggressive driving situations are excellent examples of why a competent and proficient driver in Virginia should have better coverage than the state minimum coverage levels.   If an aggressive driver side swipes your car, it may be a ‘hit and run’ situation or that driver may not have adequate insurance to pay for the damage caused to your car, yourself or your passengers.   Maintaining Uninsured or Underinsured Motorist (UUM) coverage would compensate you in a situation such as this where you were not the cause of the damage but the other party (who was at fault) was unable or unwilling to pay for the damages. Insurance should not be viewed as a burden or low priority expense.   As with many things in life, insurance costs for premiums with hopes that it would never be used – but if needed, you would certainly want the policy limits to be adequate and usable.    What would be the cost?   Of course, cost varies by driving history, the amount and type of insurance you wish to obtain, and your location.    Please put your zip code into the box at the top of this web page and you will see three or more competitive auto insurance quotes Virginia from businesses approved to do business in the Commonwealth of Virginia.    This simple act can provide information to assist you in making an informed choice.