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Guide For Teenage Drivers On How To Obtain Cheap Auto Insurance in Virginia

Virginia car insurance was a long time nightmare for teenage drivers who were faced with some of the highest premiums in the country. However, nowadays that is not as big as in the past and most of the teenage drivers with few smart movies can obtain relatively cheap car insurance rates. The premiums won’t be as low as the experience drivers have, but pretty decent considering that teens are the riskiest age group. Most teens can save if they stick to few simple rules and try to stay out of troubles on the road. Here are the best ways for teenage drivers to decrease their premiums to the lowest possible level.

The first and most important advice that a teen driver can get is to stay out of troubles on the road. Teenagers love to party and that is a known fact, as it is known that at that period they experience alcohol for the first time among many things. The thing is that many teenagers go to those parties driving, showing up with style as they like to point out. Not that there is something wrong with that but good percentage of those teenagers at the end of the party while driving home, often driving under the influence end up as a statistical number. Those are the same statistics that insurers use to prove that teenage drivers deserve the high premiums. The Virginia law for teenage drivers has zero tolerance for dui driving. If caught under the influence you can make your premiums to stay high for a really long period. Aside, that here are few good ways to lower your premiums if you are a teenage driver:

–              The defensive driving course is something that is highly recommendable for teenage drivers. Any insurer that operates in VA is obligated to give a discount to any driver, teens included, that can prove that have passed at a state approved educational center.

–              Teenagers with grade average B or higher often get discounts. Many car insurers in VA see this as a sign of stability and award the teens with a discount on their car insurance premiums.

–              Adding an experienced driver to the policy as a second driver with clean record can further more decrease the premiums.

–              Most teenage drivers in average drive less than 10.000 miles per year. Tell that to your insurance agent and he will surely approve you a discount.

–              If you have some safety features installed in your car you need to point out that to your insurance agent and he can give you a discount on that as well.

–              If you have an alarm system you qualify for a discount also. It won’t be a discount but if you are a teenager every dollar counts.

–              Getting free quotes from multiple insurance companies is something that can mean a great deal for your car insurance premiums. All that you need to do is to enter your zip above on this same page and you can compare multiple free quotes. There is no better and faster way to find cheap Virginia car insurance.

What to Do When Your Car Insurance Lapses

Lapsing of Virginia car insurance policy is something that most drivers in Virginia would never wish to experience. Lapsing of your car insurance simply means that you cannot enjoy driving your favorite car unless your policy is reinstated. Actually, you must obtain a new insurance policy. A driver who is caught by Virginia authorities driving without valid car insurance policy is subject to heavy fines and severe penalties. This being the case, driving around in Virginia with a lapsed car insurance policy is actually not worthy taking a chance. Most drivers are always at a loss on what they should do when their car insurance lapses and this article aims to send some light on this trying scenario for Virginia drivers.

Actually, car insurance policy in Virginia is designed to lapse after sometime depending on the insurance agreement. When this happens, the best solution is to contact your last car insurance firm that insured your car. Reinstatement process of lapsed car insurance policy is relatively simple depending on the nature of the lapse of your auto insurance policy. For instance, if the lapse of your car insurance policy is short, meaning that its not more than 2-4 days, policy reinstatement is simple with little or no complications. However, in cases where the lapse is more than the above stated duration, chances are that your insurance policy will not be reinstated instantly. In this case, searching for a new carrier offering low priced Virginia car insurance quotes is highly recommended.

If you prefer to buy a new Virginia car insurance policy, having a prior coverage for the past 12 months can attract great reductions and discounts on your new car insurance. To enjoy this and other benefits associated with having a valid insurance cover at the time your insurance lapses, you will be required to have relevant information about your prior insurance coverage such as a billing statement or your policy number and perhaps an evidence of your last insurance declaration. You will need to contact Virginia Department of Motor Vehicles to get a driving record which may be asked for by the insurance firm in case you are targeting discounted car insurance quotes. Since car insurers in Virginia treats drivers who are uninsured in a different manner, comparing a few quotes from different offers is important. This not only helps you get the lowest car insurance rates but also the best insurance for your car.

When your car insurance is in a lapsed status, it’s worthy to remember that your car is not covered by any insurance required by the state of Virginia. This means that you are not required to drive your car until your insurance is restored. The best way to shop for a new quote is viewing various Virginia car insurance offers over the internet. This way, you are guaranteed of securing a new cover when at the comfort of your home. Online insurance companies only requires a few details such as VIN number and your license number and thereafter provides you with a new car insurance cover instantly. Driving when your insurance cover has lapsed can lead to suspension of your license registration and negatively affect your driving record not forgetting the high fines applicable. In addition, if you suffer an accident when your car insurance has elapsed, it may be very challenging to pay back bodily injuries or any vehicle damage from your own savings.

Essentially, application for a new car insurance policy can be rather frustrating and time consuming for busy Virginia drivers. Everyone has valuable ways of spending their precious time and reinstatement process should be as simple as possible. This is where a great insurance website comes in by helping you shop for the best insurance quotes in Virginia offered by the most reputable insurance companies. You can easily request for free insurance quote by simply typing your zip code at the space provided at the top of the page and in a short span of time, you can view the lowest Virginia insurance rates and payments to make your car insured again.

Although it’s highly recommended that you establish a good relationship with your insurer and retain him when reinstating your insurance policy, some scenarios may require you to consider being covered by another car insurer in Virginia. A lapsed Virginia car insurance may provide you with a lucrative opportunity of finding lower insurance rates. However, each scenario of lapsed car insurance is different from the other and requires comparison of different rates and other benefits not available in your prior insurance coverage. You should also make wise insurance decisions such as on lowering your insurance premium and change in your insurance limits on property damage and bodily injuries.