VA Auto Insurance

Tips For Drivers To Have Auto Insurance In VA With Low Premiums

Virginia car insurance rates are amongst the highest in the country. Even so, that doesn’t mean that they can be lowered below the state average. There are plenty of car owners that pay really low premiums only by following several basic principles that can be applied by almost everyone. Here are some of those principles that can help you lower your car insurance premiums. These principles are not based on someone that only interprets laws and write about them but on the real-life experience of drivers that pay low premiums.

First of all, you need to take a moment and think how much coverage you need. The better you understand your needs, the better and cheaper coverage you can choose. If you need to, you can do a small research online and see what’s offered and what type of coverage suits you the most. The web site of the Virginia Department of Banking and Insurance is a good place to start. The web site is regularly updated and contains correct information on every aspect of car insurance in Virginia. They have info on the types of policies, every car insurance law in the state, consumer guides and other valuable information.

Once you get to know what you need your next step should be to call and talk to an insurance agent. The insurance agent are obligated to respond to your inquiry as well as your questions regardless if you have a policy with them or you are just asking for information. The insurance agent needs to tell you about all your rights and everything that affects your premiums. That is if you ask him to do so, otherwise he can make your policy, you will sign it and you are done.

Before you start calling VA car insurance agents, you need to make a small research in that direction as well. You need to make sure that you are in the hands of a reputable insurer. Nowadays, there are plenty of insurers and it might be bit overwhelming when searching for the best on the market. The best way to find few good ones is if you talk to some of your friends or family to recommend you a good one. That way not only that they will give you few good names of reputable insurers but at the same time they will give you the names of few from which you will need to stay away. There are as much as bad as there are good insurers.

Your next step is probably the easiest and can help you find not only the best but the cheapest car insurance company in Virginia. You should go online and look for free quotes from multiple companies. That is something that can be done even here, just enter your zip above and you can compare quotes from a great number of companies. It’s easy and fast. There is no reason why not to take advantage of that.

Intricacies Of The Cost Of Virginia Car Insurance For Teen Drivers

The major reason why teenagers in the state of Virginia are at the highest risk of insurance is because even a single accident can raise insurance rates for them very quickly. However, all is not lost because there are ways for teenagers to get a reduction in Virginia auto insurance requirements by obeying road rules and using good judgment when in command of a motor vehicle. Teens usually have to pay double the amount $1,300 per year for auto insurance which is the amount for an average driver in Virginia.

Virginia insurance requirements

Only bodily injury and property damage liability coverage is provided by minimum Virginia insurance as stated by the Virginia department of insurance. $25,000 property damage liability is the bare minimum amount that every driver must carry to cover damages caused to another person’s property. For all people injured in an accident, this amount should come up to $500,000. Usually, for teens in Virginia, average insurance should cover additional collision and comprehensive coverage but this should only be done keeping in mind that the cost as premiums would surely become very pricey with these additions. These Virginia auto insurance requirements might seem troublesome but they are only designed to deter fatal behavior from happening, the type that leads people to buy such insurance plans.

Virginia graduated driver program

A new program in Virginia that gradually gets teens onto roads with decent amount of experience is the graduated driver program. This program helps teenagers in getting the necessary skills to be top notch driver keeping in mind all the rules and regulations by providing them privileges as they learn and mature. The program does state though that a fully licensed and insured driver must accompany the one with the permit.

Quickly changing costs

$510 for 6 months is going to be the average cost for a teenager requiring liability coverage in Virginia, but minor incidents can drive these costs up by a significant amount. $1,300 would be the costs for only having a single speeding ticket, $1,400 would be the cost if a single auto incident in on the record. A combination of both of these can have a heavy impact on the pocket by raising this cost to around $1,600 for half a year.

Keeping a lid on these costs

There are several ways for teenagers to reduce their costs associated with Virginia auto insurance requirements. Maintaining a grade point average of 3.0 will result in student discount for insurance. Taking a voluntary driver safety course can also go well with insurance companies as they provide discounts for having these learning experiences. Depending on whichever package suits you best, the amount that you pay to the company for fixing your car can be reduced by having little premium or vice versa. Doing away with collision and comprehensive charges can reduce your overall cost.

Just enter your zip code in the box given above to get a free car insurance quote from some of the top insurance providers in your area.