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What You Have To Know About DWI in Virginia

When it comes to car insurance in Virginia, one of the worst things that can happen to you is to be charged for driving under the influence. Even though that most of the people know that drinking and driving is by default a bad idea, driving with alcohol in our blood system has happened even to the best of us. Perhaps not too often or too much but just enough to be pulled by the police questioned and tested for alcohol. Here follow an overview on how to behave, how the police officers approach this matter, the DUI laws, your rights, your obligations and what that can mean to your car insurance premiums.

Giveaways signs for DUI

Here follows a list of signs that help the officers to detect drunk drivers on the highways. The list is sum of symptoms of probabilities that the person behind the wheel is driving under the influence of alcohol. This list is derived from a research made by the National Highway Traffic Administration:

–              Weaving

–              Drifting

–              Wide turns

–              Swerving

–              Delayed response to traffic signals

–              Appearing to be drunk

–              Following too closely

–              Speed more than 10 mph below the limit

–              Straddling center of lane marker

–              Stopping without any cause or need

–              Almost striking an object or vehicle

–              Headlights off

–              Decelerating or accelerating rapidly

–              Turning illegally or abruptly

On the other hand incidental speeding is not seen as a symptom of DWI, but as quicker reflexes and judgment, often seen by the officers as a sign of sobriety.

What to say if asked by the police officer if you have been drinking?

If it’s late night it’s highly likely that the police officer will ask you that question. If you had few drinks you have the right not to answer that question. The Fifth Amendment gives you the right not to answer questions that incriminate you. Something like: “I would like to speak to my attorney before I answer that” should be the best thing to say. But, if you had only one or two beers you can tell the officer about that. That won’t incriminate you because one or two beers won’t show on the BAC test and it may explain your alcohol breath. However, you need to know that in the State of Virginia if pulled by a police office and asked to do a BAC test you must take it. Otherwise you risk an arrest and an automatic suspension of your driver’s license for at least seven months.

Signs and symptoms that you might be driving under the influence

Here is a list of signs and symptoms of driving under the influence that the police officers are taught at the academies. Very often they apply that knowledge in practice.

–              Inability to follow directions

–              rumpled, disorderly clothing

–              Swaying/instability on feet

–              Red, watery, glassy and/or bloodshot eyes

–              Odor of alcohol on breath

–              Leaning on car for support

–              Combative, argumentative, jovial or other “inappropriate” attitude

–              Staggering when exiting vehicle

–              Slurred speech

–              Disorientation as to time and place

–              Fumbling with wallet trying to get license

–              Failure to comprehend the officer’s questions

–              Stumbling while walking

–              Swaying/instability on feet

–              Inability to follow directions

–              Flushed face

What if asked to do a field sobriety test?

You can be asked to perform all sorts of field sobriety tests by the police officers. Test such as finger to nose, alphabet recitation, modified attention or position, fingers to thumbs, hand pat, one leg stand, etc. Most of the police officers will ask you to do few tests before they make their mind. However, unlike the breath test you are not obligated by the law to do take any field sobriety test. The police officers ask for such tests if your BAC is below the minimum and they still suspect that you are under the influence of alcohol. Therefore, polite refusal is highly recommended action.

Self-representation or a lawyer

Self-representation is not recommendable course of action even that you can do it if you like. But, considering how complex area is driving while intoxicated that is not a popular move. The best course of action is if you hire an attorney that is specialized in this area and that has plenty of experience in handling DWI cases. A reputable DWI lawyer can review your case for potential defects such as maintenance records and calibration for the breath machine, suppress evidence, have blood samples independently analyzed, find expert witness for your trial and eventually negotiate reduced sentence or lesser charge.

What about sentencing enhancement?

This can mean much bigger trouble for you if certain facts exist. The most serious is if this is not your first conviction for similar or the same offense within ten years’ time period.  Other types of sentencing enhancement may include:

–              You had a child in your car while driving intoxicated

–              There was iVAury or property damage

–              The driver had a CDL

–              The defendant is under twenty one

In addition to that you need to be aware that in case of a serious bodily iVAury cause by your DWI elevates the offense to a felony. In case of death the charge can elevate to manslaughter or even murder charge.

What if you are convicted of DWI?

In such case you will need to pay $1.000 a year surcharge for a period of three years. The surcharges can be paid at monthly rates of $83 per month for thirty six months.

What about the risk of doing jail time?

Most of the convicted DWI drivers do community service programs instead of actual jail time. (1)

What about the “Ten year rule”?

This means that a ten years old DWI conviction does not count as a prior conviction if charged for DWI again. The main point is that DWI driver will not receive sentencing enhancement if his previous DWI conviction is older than ten or more years.

Regardless whether you are convicted for DWI or no, there is one more thing that you can do in order to get the lowest possible care premiums. Enter your zip above on this page and see how much you can save on your car insurance in Virginia. That is the most effective way to find the best and cheapest car insurance company on the territory of Virginia.

27 Random Facts About Driving Under the Influence in Virginia

Virginia car insurance and DUI Laws in Virginia are not the most popular discussion themes in the Garden State. Most of the people prefer to talk more about the Nets or such topics regardless that it is something that affects them greatly. Of course it gets boring talking about that after a while even if such conversation is started. Not to mention that it hurts some people to talk about that, especially if they are caught and convicted for driving while intoxicated. The fines are not that hurts them the most but what the conviction does to their car insurance premiums. Here follow some interesting fact and statistics on that topic.

AutoInsuranceInVirginia–              According to official statistics, every 40 minutes someone is killed as a result of driving whie intoxicated.

–              DWI is the cause for around one third of all traffic fatalities in the US.

–              Roughly three out of ten Americans will be in some way involved in an alcohol related traffic accident in some point of their life.

–              In 2007 over 1.4 million of drivers in the United States were arrested for DWI of alcohol or narcotics. This is just one percentage of the around 159 million self-reported episodes of driving intoxicated in 2007.

–              The DWI law in all U.S. States says that a driver can be considered legally drunk when her or his blood alcohol content is at least 0.08 grams per deciliter or above.  For a grown man that weighs around 170 pounds to reach that level needs to consume four drinks in 60 minutes while a woman that weighs around 140 pounds needs to have at least three drinks in one hour on an empty stomach.

–              In order the human body to completely eliminate alcohol from its system it needs around six hours to achieve that. That is if the blood alcohol level is 0.08%.

–              With some people 0.02% BAC can significantly affect their driving ability and response time. The odds to crash into something largely increase after 0.05% and rise even more after 0.08%.

–              It’s a known fact that the alcohol dilutes in the water volume of the human body in order to go through it. The vital organs such as the brain are very vulnerable to its effects.

–              Driver who has consumed no alcohol has 11 times less chances to be involved in a traffic accident than a driver who has BAC of 0.08%.

–              Around 75% of all fatal traffic car accidents in which drunk driver is involved happen between midnight and 3 a.m.

–              In 2007, 50% of all drunk drivers involved in fatal car accidents had a BAC level that was 0.15%, almost twice of the allowed limit.

–              There is a much bigger chance to be tested for alcohol during the night than during the day. During 2007, 36% of the drivers that were involved in night time fatal car accidents were legally drunk as oppose to only 9% of the drivers during daytime crashes.

–              Motorcycle drivers are the most common type of drivers that are involved in fatal drunk driving accidents. In 2007, around 27% of all accidents included drunken motorcycle driver.

–              Around 75% of the drunk drivers involved in fatal car accidents don’t have their safety belts on.

–              According to a research, in average every first time DWI offender has driven around 80 times before being arrested.

–              There are twice as more chances for alcohol related car accident to occur during the weekend than during the week. 15% of the drivers involved in fatal car accidents during the week are legally drunk while around 31% are legally drunk on the weekend.

–              Other than alcohol, cocaine and marijuana are the most common illegal drugs involved in fatal car accidents. In most of the cases they are used in combination with alcohol.

–              DWI and DUI are the most common acronyms used by the authorities to describe drunken driving. DWI stands for driving while intoxicated while DUI stands for driving under the influence and can refer to use of other substances such as illegal drugs.

–              According to the National Highway Traffic Safety Administration beer is the most common beverage involved in fatal traffic accidents as well as in DWI arrests.

–                 There is 50% bigger chance men to be involved in driving while intoxicated or in a fatal car accident than women.

–              All of the states in the country have the same zero tolerance law for drivers under the age of 21.

–              In 2006, around 20% of all sixteen to twenty year old drivers that were killed in motor vehicle car accidents were legally drunk.

–              Candice Lightner formed Mothers against Drunk Driving in 1980 in Irving, Texas. That is one of the most famous political action groups fighting alcohol impaired driving. She started the organization after her daughter was a victim in a traffic accident caused by a drunken driver.

–              New York has the least amount of drunken driving fatalities in the country, with 2.06 per 100.000 residents.

–              Wyoming has the most fatalities as a result of DUI driving, with 13 drunken driving fatalities per 100.000 residents every year.

–              The deadliest drunken driving car accident in the history of the United States happened in 1988 in Kentucky when a drunken driver that had 0.24 BAC level caused an accident with a school bus. As a result of the crash 27 people were killed, from which most of them were children, and additional 34 were injured.

–              There was a study that showed that 50% to 75% of all drunk drivers that have suspended licenses because of DWI continued driving regardless of that.

Aside the terrible things that driving under influence can cause it can make the car premiums reach record high levels as well. If you once made the mistake and you drove your car while intoxicated it does not mean that you are not entitle of finding the lowest possible premiums. If you are interested in that just enter your zip above on this page and you compare offers from companies offering Virginia car insurance. Try it, it’s free and effective.

Top 5 Car Insurance Factors that Affect Your Premiums Which You Cannot Control

Anyone’s car insurance is affected by two sets of factors; ones that you can influence and ones that you cannot control. This is about the ones that you cannot control.

Car insurance in Virginia or in any other state is influenced by many factors. How high or low your car insurance premiums will be is something that you can control only to a certain point. There are some unchangeable auto insurance factors that will affect your premiums regardless of your actions. Here is a list of the unchangeable factors that affect your car insurance coverage:

Your age

Teenagers pay the highest car insurance premiums and there is nothing to do about it. The insurance companies justify that with the statistics that say that people under the age of 25 are more likely to be involved into accident than people older than 25. Also, there is a statistic that says people between ages of fifty and sixty five have the smallest chance to get into some sort of traffic accident. It’s more than obvious that you can’t do anything about that, apart from to live long enough to get low rates.

Your gender

Almost unbelievable but according to the statistics women are safer drivers than men. As a result of that they get lower rates. Therefore if you are a man you will have to live with that, unless you want to change your gender because of the lower car insurance premiums.

Your marital status

There is a small ultimatum here: Get married or pay high car insurance premiums! It might look like a changeable factors but the truth is that hardly who gets married or divorced because of his/her car insurance premium. Car insurance companies see marriage as a sign of stability and as a result of that point of view they give lower premiums to married people.  Therefore if you are still not married you got one more reason to start looking for the love of your life.

Car theft in your area

This is only changeable only if you are the mayor of the city or a superhero that can fight crime, otherwise it falls into the unchangeable factors. Car insurance companies always take the crime rates in your area as a risk factor. Probably you can move into a neighborhood with less crime but then whoever did that because of the car insurance premiums. The only thing that you can change is your next address if you ever move and hope that the crime rate won’t rise over there as well.

Your bad luck

Let’s assume that you are one of those people that are always on the wrong place in the wrong time and as a result your car is often hit or damaged. And because of that you make frequent claims, which is pretty logical. Insurance companies don’t like that even so that every single time is someone else’s fault. The consequence of your bad luck will be increased premiums and there is not much you can do about that, it’s not like you can change your luck overnight. You can try to pay from your own pocket for the smaller damages, but for how long? And what’s the point of that if you are already insured.

Regardless of all that there is one simple thing that you can do and that can make a great difference for your car insurance premiums. Simply enter your zip code in on this page and you can get a great number of free quotes from plenty of companies that offer Car insurance in Virginia.

Everything Every Driver in Virginia Has to Know About Car Insurance

Most people do not know much about Virginia car insurance or about the laws that relate to that. Not to mention what are their rights in relation to those laws and what the insurance companies have the right to do and what not to do. As a result of that insurance companies sometimes take advantage of that ignorance and do as it suits them. If you don’t want to be a victim of your own ignorance here are some of the most important things that every driver in Virginia should be aware of. Knowing a thing or two not only will help you to deal with insurance companies but at the same time will help you to find cheap insurance coverage.

First of all you have the right to cancel and buy a new coverage at any time it suits you and at the same time to ask for foundation. The insurer is obligated by the car insurance laws to comply with that. The insurance companies often forgot to mention that because they don’t like such deals. This can come handy if you find a better and cheaper coverage and you want to get rid of your old insurer. If that is the case you have every right to do so and no insurer has the right to legally do something about it.

Ask your agent about his fees. Some insurers allow their agents to charge their clients with additional fees for services like faxing, mailing, photocopying. The agent must give you a schedule of fees in his office. If you think that he is overcharging you than you probably need to look for another insurance agent. However, before you do that it is for the best if you check other agents’ fees as well. That way you can be 100% sure that your agent is overcharging you or not. In addition to that you can also check if the insurance company has some additional fees that are not included in the annual premium for which you are not aware of that can increase the sum that you need to pay.

Many drivers are often turned down by many insurers just because they had some car accident or traffic violation.  However, that does not mean that you won’t find one that will accept you as a client. The reason for that is because many companies with low premiums have underwriting standards. If you keep on trying you will eventually find one. It’s highly likely that some of the companies that have higher premiums will have you as their client. In case you still can’t find any company to make you a car insurance policy you can ask for a policy from the Virginia Automobile Insurance Plan. Any licensed insurance agent that works on the territory of the state of Virginia can ask in your name for such policy. This policy should be your last resort because it costs much more than the ones made from the private companies.

When you go to an insurance agent you are not obligated to tell him if you have some traffic violation or car accident that is really old. According to an act in 1974 you have the right not to mention that, that is if a long period of time has passed since then. There is no reason why not to take advantage of that act, especially if you have some traffic violation that you did as a teenager. There is no reason why to pay now for your teenage mistakes. That can help you keep your premiums to a more reasonable level. On the other hand if the insurance agent knows about it you better be prepared for high premiums.

Limited right to a lawsuit does not mean no right to a lawsuit. Most of the people understand the word limited as no right even so it means that there are cases when you can sue the party that caused the accident. Limited right to a lawsuit means that you can sue someone only in some of the following cases: loss of body part, loss of fetus, significant scarring, significant disfigurement, permanent injury or death.

Every insurer is obligated to award you a discount if you have passed the defensive driving course. All you need to do is to provide a written proof that you have passed the course and you can have lower premiums. Also, the Virginia law says that every person of 55 years of age or older that passes the motor vehicle accident prevention course automatically should be given a reduction in premiums. How much the reduction will be is determined by each insurer. Once you pass the course you can have reduced premiums in the next three years. Therefore, knowing that you need to ask around if you want to know which insurance company in the state of Virginia gives the biggest reductions.

Frequent claims can skyrocket your premiums as well even if it’s not your fault for the accident. They won’t speak about that openly but that’s exactly what they will do. They will look to you as an increased risk and you can say good bye to your low premiums. The fact that you have clean driving record, that it’s not your fault for the accident, that your car is equipped with the latest safety features, that you passed the defensive driving course won’t do you much good. Your premiums will be still pretty high compared prior to your claims. The best way to deal with that is not to make claims for every little thing. If you want to keep your premiums low you need to pay for some smaller damages from your own pocket.

One more thing that most insurance companies rarely tell their clients is that they can get free quotes from a great number of companies and that it can be easily done. If you are truly interesting in finding the cheapest car insurance in Virginia just enter your zip above on this page and wait a while. For only short period you will be able to choose from great deal of offers from some of the best insurers in the state.

Top 10 Factors that Can Increase Your Car Insurance Premiums in Virginia

How much you pay for your car insurance in Virginia is affected by all sorts of factors. However, each factors caries different weight and affects your premium differently. While some insurance companies rely on one set of factors, others rely on another set of factors. That is something that largely depends on the company policy and what the strategy that the particular insurer has. Here are some of the most common factors that almost any insurer considers when your premiums are made.

10. Age

Age can strongly affect your premium. For an example teenage and older people in average pay the highest rates regardless their individual driving skills. Just because you will fall in that category you will pay high premiums. On the other hand middle aged drivers with clean driver’s record pay the lowest premiums.

9. Marital status.

Married people are considered to be more responsible drivers and as a result of that they are given lower premiums. Single people on the other hand are so to speak penalized by the insurance companies for not being married and are given higher rates. The solution is more than obvious: get married.

8.  Safety features

The existence of alarm system, automatic seatbelts, airbag, ABS and/or other safety equipment automatically qualifies you for discount. On the other hand if you have no safety feature in your vehicle you will pay higher premiums. This is pretty important to every car insurer and strongly affects the premiums.

7. You do badly at school

You are full time student but you have a low average. Too bad because if you had an average B or higher your premium would be much lower. Your driving abilities won’t help you as your performance at school. Once again the solution is pretty obvious; hit the books if you want to pay lower premiums. Most of the insurers see the high average as a sign of responsibility and that is why they take that step.

6. Mileage

According the logic of the insurance companies the more time you spend on the road the better your chances to be involved in some sort of traffic accident. As a result of that they award you with higher premiums regardless if you were or were not involved in any traffic accident. On the other hand if you drive less than 7.500 miles per year you need to notify your insurance agent about it. That qualifies you for discount. How much the discount will be it depends of the company policy and how they calculate risk? Therefore if you need to decrease your mileage consider public transportation, biking and walking as alternative means of transport.

5. Defensive driving course

Many people don’t bother to take the defensive driving course even so that it’s pretty easy one and doesn’t take too much time. Every insurer in Virginia will grant you a discount if you provide a proof that you have passed the course. The car insurance companies are obligated by law to give you a discount if you show them your certificate that you have passed the course.

4. Expensive vehicle

Things are pretty simple in this department, the more expensive or newer your vehicle is the higher your premium. The reason why is so is because if you are involved in an accident the vehicle will cost much more to repair than some used or less expensive vehicle. If you intend to buy an expensive vehicle you better be prepared for high premiums because they will be waiting for you and there isn’t much to do about it. This is pretty much the same with any insurance company in the world, not only in Virginia.

3. Credit rating

The credit rating is considered as one of the most unfair and at the same time the most controversial factors that are taken in consideration when the insurer is making your premiums. According to the insurers the lower your credits score the higher risk you are and with it your chances to be involved in some sort of traffic incident are much higher. However, there are some insurance companies that don’t take this in consideration. So, if you have a bad credit score you need to look for insurers that don’t take that in consideration. There might be not many left but if you look harder you will surely find one. On the other hand if your credit score is good you can relax and worry less about your premiums.

2. Traffic violations and accidents

Past car accidents and other traffic violations can make your premiums reach to the sky. Nothing speaks more to an insurance agent than your past sins on the road. There is nothing that you can do about it if they are written in your driver’s record. On the other hand if long time has passed from the time you can opt not to tell your insurance agent. There is an act from 1974 that gives you the right to do so. If your insurance agent knew about that your new one does not have to and you have the law on your side not to tell him that.

1. Driver’s record

This is the most important factor. This is where all of your past as a driver is gathered. Every insurance agent bases large percentage of his assessment on what is written in that record and your premiums with that are largely affected. The cleaner it is the lower your premium will be and vice versa.

In addition to all that was already said about car insurance in Virginia

and how it works, there is one more thing to have in mind if you want to find the best deal. That is to ask for quotes from as much as possible car insurers. If you want to do that right away just enter your zip above on this page and you can have your free quotes. No factor can influence more your premium than using this online tool to get free car insurance quotes in the state of Virginia.

5 Effective Ways to Lower Your Auto Insurance Premium in Virginia

When it comes to car insurance in Virginia, there are a plenty of factors that can raise or lower your premiums over which you have zero control. Vast majority of the drivers out there think that they are number one drivers, but the thing is that most of us still feel the pain of being teenage drivers and having to pay more for the same car than our crazy friend who lives in our neighborhood. That’s the bad news; the good news is that there are still plenty of factors that influence your premium over which you have considerable control.

Here follow five factors that you have considerable control over which the insurance companies use to determine your premiums.

5. Take a defense driving course

LowCostAutoInsuranceInVirginiaAny insurance company operating on the territory of the state of Virginia is obligated to give you a discount if you provide a proof that you haves passed the defense driving course.

4. Stick with one insurance company

Loyalty is always rewarded when it comes to holding to one car insurance company for more years. The thing is they spend top dollars in advertisement and they know that. They also know that it costs much less to keep their customers than continuously investing in advertising. That is why they give great discounts to their loyal clients. If you stick with one company for a longer period you will be surprised how low your premium can be and it will be really hard for you to find a cheaper policy in case you decide to leave them because of some reason.

3. Pay upfront

Most of the insurers offer great discounts if you pay ahead upfront in full versus monthly payment plan. If you have the money this can save you a good amount of money. Even if you want to switch companies they are obligated to refund you the money for the days that you won’t be under their coverage.

2. Drive less

Almost any insurance company in Virginia will give you a discount if you lower your yearly mileage. For an example if you start using public transport more frequently you can reduce your yearly mileage and qualify for a discount. According to the insurers logic the less time you spend on the road there is a much smaller chance for some sort of traffic accident. It makes sense and if possible in your case you can take advantage of that.

1. Take care of your credit score

This is something that plenty of insurers use as a way to assess your risk when they make your premiums. However, most does not mean all. If you have a bad credit score check out if your insurer takes that in consideration. That cans serve you as a hint whether you need a new insurance company or you want to stick with the old one.

These are all good tips for lowering your premiums but if you truly want to pay the lowest possible premiums you need to get as many free quotes as possible. You can do that this very moment, all you need to do is to enter your zip above on this page and you will have free quotes from great companies of car insurance in Virginia.

Low Cost Auto Insurance For Car Owners In Virginia

Car insurance in Virginia can be not so expensive if you follow few simple tips. Probably the best way to start is if you don’t take the first offer that you receive. Instead, any car owner should do a small research and try to negotiate with the insurers to find the lowest auto insurance premiums possible. A small research and negotiation can literary save you hundreds of your hard earned dollars.

The first step that any smart automobile owner seeking affordable car insurance in VA should take is to request no-obligation, free quotes from as much as possible auto insurers that are licensed in the state of Virginia. Requesting quotes from different insurers in no way does not affect auto owners premiums, so any auto owner should feel free to see what’s offered on the market. Once you start requesting quotes online you will notice that different insurance companies offer various discounts to their clients. Most of the policy holders are eligible for one or more discounts for all sorts of things. For an example, the youngest car drivers (students) who have at least B average or higher and don’t have any moving violations or car accidents on their records are automatically qualified for a discount. Another great example on how you can get a discount on your auto insurance premiums is if your car has safety features such as anti-theft devices, motorized seatbelts, front and side airbags.

When looking for affordable auto insurance in Virginia one needs always to be on the watch for companies that use credit score in calculating the police holders’ premiums. If you have an excellent credit score you will surely benefit from that. However, if your credits score is not so good such companies should be avoided in any cost that is if you want your premiums not to cost you a small fortune. In case you have multiple insurance policies you can generate great saving by using one insurance company for those policies. Therefore, look for companies that provide all sorts of insurance services not just auto insurance. If you manage to put all of your insurance policies under one company you will need to be prepared for a really, really big discount on your rates. Insurance companies value that very much as well as they value loyalty. That is if you manage to stick with them for many years you won’t be able to find lower rates than those that your insurer will give you.

In addition to all that you can check with the insurers if they are willing to give you a discount if you pay in full, instead of monthly. Vast majority of the insurance companies will grant you a discount if you do so, how big discount that is determined by each insurer differently. The most important thing to remember in your quest for affordable car insurance in Virginia is to get multiple free quotes. If you want to do that instantly and effortless all you need to do is to enter your zip above on this page and compare quotes.

Top Five Factors That Can Increase Your Virginia Car Insurance Premiums

Virginia car insurance premiums can be raised by different factors. Some of those factors can strongly influence the premiums while others not so much. In addition to that some insurers take in consideration some particular factors more while others not so much. However, there are some common factors that influence your premiums regardless with which insurance company you are. Here follow some of the most influential factors that can make anyone’s premiums really high and stay high for a really long period. If you want to keep your premiums at some more acceptable level you need to make sure that your car coverage is not affected by the factors mentioned below.

5. DUI

Not many things can skyrocket someone’s car insurance premiums if caught while driving under the influence. The Virginia law sees 0.08% of alcohol in your blood as driving under influence, while for teens that percentage is zero. Therefore, if you don’t want to pay thousands of dollars more on your car insurance stay away from alcohol every time when you are out with your car. Not to mention the fines and the Virginia law on drivers that are caught DUI multiple times. If that happens your car insurance premiums are the last thing that you need to worry about.

4. Frequent claims

Frequent claims raise plenty of red flags for many insurance companies even if most of the time is not your fault. Actually, it doesn’t matter if every time you make a claim it’s someone else’s fault, your premiums are the ones that will get hurt. The only solution to this is if you try to pay from some of the smaller damages from your own pocket. That way you will avoid making frequent claims and with that increased premiums. Not a popular move, but an effective one

3. Past convictions

Past convictions can keep your car insurance premiums in Virginia high for a really long period. However, there is a catch that not everyone knows about. If a long period has passed you are not obligated to tell your new agent about the past convictions. There is an act from 1974 that legitimize that. This can save you a good deal of your hard earned money.

2. Bad credit score

For some time how you do on your bank account affects your car insurance premiums. You need to make sure that your credit score is good if you want to keep your premiums low. However, the state of Virginia has prohibited to insurance companies that operate on its territory to refuse giving coverage to people with bad credit score. The answer to that too many insurance companies is high premiums to people with bad or poor credit score. If you can’t do anything about your credit score the only solution to that is to look for company that does not use credit score to make your premiums.

1. You fail to get quotes from other insurers

This is not related to any law in Virginia, but more with the common sense of the drivers in this State. Getting quotes from multiple insurers can be done easily and vastly, all you need is a computer an internet connection and few minutes of your time. Even at this very moment if you enter your zip above on this page to compare free quotes and see how much you can save on your car insurance in Virginia.

What Drivers Of All Ages Need To Know About Virginia Car Insurance

A majority of people these days have no idea what car insurance in Virginia is all about although they have purchased it for themselves. It is because of this particular ignorance that they do not understand the basic privileges that they are entitled to. Moreover, this is the reason why they get duped by auto insurance companies. There is a plethora of thing that drivers all around VA need to know about. Knowing these things is not only going to help them deal in a better manner with car insurance companies, but would additionally allow them to acquire affordable auto insurance coverage in VA.

Cancel the old one and purchase a new one

As a car insurance holder, you have the right to purchase a new insurance and cancel out on your old one anytime that you want. Auto insurance laws in Virginia basically deems it necessary for your car insurance companies to abide by your request. The insurance companies often forgot to mention that because they don’t like such deals. This can come handy if you find a better and cheaper coverage and you want to get rid of your old insurer. If that is the case you have every right to do so and no insurer has the right to legally do something about it.

What are the fees of your agent?

It is extremely important for you to acquire details about the fees that you would have to pay to your agent. There are a plethora of auto insurance agencies out there that basically permit their agents to charge their clients with additional fees for services like faxing, mailing, photocopying. It is necessary for the agent to give you a schedule of fees in his office. If you think that he is overcharging you than you probably need to look for another insurance agent. But, prior to moving on, make sure that you consider the fees of the other agent as well. That way you can be 100% sure that your agent is overcharging you or not. In addition to that you can also check if the insurance company has some additional fees that are not included in the annual premium for which you are not aware of that can increase the sum that you need to pay.

Have you lately been in any car accidents?

A majority of car insurance companies tend to turn down drivers that have lately been in car accidents and/or traffic violations. However, that does not mean that you won’t find one that will accept you as a client. The reason for that is because many companies with low premiums have underwriting standards. If you keep on trying you will eventually find one. It’s highly likely that some of the companies that have higher premiums will have you as their client. In case you still can’t find any company to make you a car insurance policy you can ask for a policy from the Virginia Automobile Insurance Plan. Any licensed insurance agent that works on the territory of the state of Virginia can ask in your name for such policy. This policy should be your last resort because it costs much more than the ones made from the private companies.

Your right to remain silent

When you go to an insurance agent you are not obligated to tell him if you have some traffic violation or car accident that is really old. According to an act in 1974 you have the right not to mention that, that is if a long period of time has passed since then. There is no reason why not to take advantage of that act, especially if you have some traffic violation that you did as a teenager. There is no reason why to pay now for your teenage mistakes. That can help you keep your premiums to a more reasonable level. On the other hand if the insurance agent knows about it you better be prepared for high premiums.

Limited right to a lawsuit does not mean no right to a lawsuit. Most of the people understand the word limited as no right even so it means that there are cases when you can sue the party that caused the accident. Limited right to a lawsuit means that you can sue someone only in some of the following cases: loss of body part, loss of fetus, significant scarring, significant disfigurement, permanent injury or death.

Defensive driving courses and the discounts you would receive

Every insurer is obligated to award you a discount if you have passed the defensive driving course. All you need to do is to provide a written proof that you have passed the course and you can have lower premiums. Also, the Virginia law says that every person of 55 years of age or older that passes the motor vehicle accident prevention course automatically should be given a reduction in premiums. How much the reduction will be is determined by each insurer. Once you pass the course you can have reduced premiums in the next three years. Therefore, knowing that you need to ask around if you want to know which insurance company in the state of Virginia gives the biggest reductions.

Frequent claims and their impact

Frequent claims can skyrocket your premiums as well even if it’s not your fault for the accident. They won’t speak about that openly but that’s exactly what they will do. They will look to you as an increased risk and you can say good bye to your low premiums. The fact that you have clean driving record, that it’s not your fault for the accident, that your car is equipped with the latest safety features, that you passed the defensive driving course won’t do you much good. Your premiums will be still pretty high compared prior to your claims. The best way to deal with that is not to make claims for every little thing. If you want to keep your premiums low you need to pay for some smaller damages from your own pocket.

One more thing that most insurance companies rarely tell their clients is that they can get free quotes from a great number of companies and that it can be easily done. If you truly wish to acquire the cheapest car insurance in Virginia just enter your zip above on this page and wait a while. For only short period you will be able to choose from great deal of offers from some of the best insurers in the state.

How Auto Insurance In Virginia Works For Senior Citizens

Senior citizens with limited resources can acquire auto insurance in Virginia with lowest rates by contacting various companies or by carrying out ample research over the internet in order to get the best deals possible around their area, that too by the top providers.

The ever increasing auto insurance rates in Virginia are truly a definite matter of concern. The fact of the matter is that senior citizens can get the auto insurance at a much cheaper rate as compared to the young population owing to their vast experience of driving. Seniors with reliable vehicle driving report in the past get the auto insurance in Virginia at a much lower rate. It’s difficult at this stage in life to commute in public transport therefore the need for an auto insurance requirement is even more.

There exists an impression that senior citizens will have to shell out greater insurance premiums but the fact of the matter is that this happens to be a misnomer. Senior citizens stand to benefit with lower insurance premiums as compared with younger drivers. Elderly car owners are more cautious while operating their vehicle so are considerably safe drivers and are less associated with auto accidents. Facts and figures prove this and thereby offer them the advantage of reduced auto insurance premiums in VA. Senior citizens with a perfect driving report get lower auto insurance rates.

People beyond 50 years of age in general are typically added in the lower premiums category. Life insurance rates on the other hand increases as one gets older in contrast to the car insurance which goes down. Numerous aspects are used by insurance companies to evaluate the ideal premium rate for a senior citizen as everyone has a different requirement. Senior people need to look around for the most efficient deal and getting in touch with number of individual companies is the most appropriate way to procure the most reasonable deal.

Senior citizens who are computer literate can carry out research over the internet to attain their auto insurance needs. Numerous elderly people go for internet information since it saves them the driving around to various insurance companies. Knowingly many auto insurance providers in Virginia are reachable online with effective premiums and more significantly provide suitable feedback with regards to their services submitted by existing policy holders. With all the relevant information available, senior people don’t need to go around from one company to another.

Irrespective of the age, one must ensure to inquire with potential insurance company to get the necessary replies as well as details. Alternatively a senior citizen with the need to insure car, truck or any other vehicle can secure reasonably priced and reliable insurance policies at lower premiums. Senior citizens with years of driving experience and good driving report need to do survey of the insurance plans to be able to compare their current insurance policy with the existing policies in the market to acquire the most appropriate car insurance policy in Virginia.

To check out the latest on auto insurance in Virginia for senior citizens, don’t forget to enter your zip on top of the page