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Auto Insurance Quotes In Virginia For Senior Citizens

The Commonwealth of Virginia has a compassionate name for drivers who have reached the age of sixty years or over or what others may call ‘Silver Drivers.’  This is a respectful term which does not denigrate the person but recognizes that mature drivers are often less safe and many should not be licensed to drive even though they may have spotless histories of thirty or forty safe driving years. Frequently, these drivers do not have updated Virginia auto insurance coverage and the maintenance on their vehicles may be sporadic.

Why should mature drivers be a concern? Isn’t it true that teens and young drivers cause the most accidents and receive the highest number of citations? Yes, that is a fact but the teen and youthful driver will improve over time. Young people need ‘seasoning’ and experience in order to become better drivers. Unfortunately, the mature driver is in a different learning curve. This list contains some of the issues:

CheapCarInsuranceQuoteInVirginia1.   The senior may have declining faculties such as diminished vision or hearing. Certainly, the loss of peripheral vision is a real concern among the aging population.

2. Many, if not most seniors are taking medications on a regular basis which may impact on their concentration, skill level, and comprehension.

3. As individuals age, they often lose the ability to ‘multi-task’ so a mature person may be more distracted by a cell phone, pedestrian or other occupant of the vehicle than a driver who in their forties might be.

Indications that the skills of a mature individual should be reviewed include:

* stopping at green lights,

* ignoring directional signs (including stop signs),

* leaving turn signals active after the need has passed,

* making traffic changes without signaling,

* having difficulty finding the controls in the vehicle (especially the gas and brake pedals)

* Losing track of the location of their car in parking lots (more than the average adult, of course) and

* Becoming lost while driving.

What steps should be taken by family or other concerned individuals? First, if medications are involved, those should be reviewed with the senior and the health care provider to determine if any are causing the loss of skills or memory. Avoiding the medication dose before driving may be a simple solution to the risk. Encouraging the senior to take a defensive driving course to update their knowledge is a good step. Seniors may be resistant to wearing their seat belts but must be compelled to do so. Often, they have older model cars which may not have good airbag design or may lack airbags altogether. Seniors often do not handle high traffic, complex roadway instructions, left hand turns, or backing up their vehicle. If possible, plans should be made so that travel involves as few of these problem areas as feasible.

What is done if the senior does have a problem and is unwilling to discuss or handle it? A private report can be made to the Virginia Department of Motor Vehicles to request an assessment by the Medical Advisory Board. This review process is internal to the Virginia DMV and occurs privately with confidential records. If no problem is found, then the senior’s status is unchanged. If a problem is discerns, then the DMV will restrict the license or withdraw it altogether.

Insurance companies play a role in monitoring seniors as well. If there are traffic citations, accidents or law enforcement warning, any of these could trigger a determination within the VA auto insurance company that coverage will not be available to the senior. Heartless as that may seem, insurance companies evaluate the risk that the specific driver will cause future problems in order to extend or withdraw coverage.  This is a protection for the other drivers on the road as well.


Obtaining your insurance coverage at any age should involve a reputable Virginia vehicle insurance company, one licensed to do business in Virginia, and one which issues policies at a reasonable cost. Cost is determined by many factors but an easy one on which to obtain information. Put your zip code into the space provided above and you will receive information on various costs and companies which should meet your needs. At any age, knowledge of the available options concerning insurance can make you a safer, more prepared driver.

What Every Teen Drivers Should Know About Auto Insurance Quotesin Virginia

Being a teenager with a new Virginia driver’s license makes young person feel that he or she has joined the ranks of adults and received a passport to freedom. Use of a car implies social freedom, the ability to impress others just by cruising past and the right to make important lifestyle choices. Few teens think of their car as a weapon on wheels, but they should. More teens die and are injured in single vehicle collisions than other types of accidents. Major causes are lack of sleep, failure to use seat belts, speed, risk taking, and alcohol use.

Virginia has a zero tolerance law regarding teens and alcohol use since the legal age for alcohol purchase and consumption is 21 years. If a teen is tested for BAC (blood alcohol concentration) they may record up to .02 without penalty as that level can occur from use of cold medications, other dietary consumption, or general production of the test markers within the average teenage body. However, higher readings than .02 can cause the loss of license, arrest, possible jail time and huge fines. Further, most Virginia car insurance policies exclude responsibility for payment of damages caused while the vehicle is being used in violation of the law. Arrest for drunk driving by a teen would be a prime example of the violation which could be used by an insurance company to void coverage.

Teens may violate good sense and the rules of Virginia highways by putting too many persons into a vehicle, failing to use seatbelts, changing music, using cell phones or writing text messages, eating, reading, grooming themselves or others, and wearing inappropriate or no shoes. Each of these factors increases the danger. Lack of sleep can amplify other problems and teens tend to function on the least amount of sleep they can manage. Another risk factor for teens is the persons with whom they associate. Passengers who are drunk, high, or overly excited

With VA car insurance, the risk of the damages can be lessen because people with the auto insurance will get a good amount in case of any accident or any damage. If you want to know about the cost or any other information, please enter your zip code into the top boxes of our web page and you will get good competitive quotes.

Driver’s License’s Importance In A Virginia Auto Insurance Company

Most people in the United States have probably known someone who claimed to have a fake driver’s license. Usually, the fake was obtained so that an underage person could purchase alcoholic beverages or gain admission to adult events. However, with identity theft on the rise, the use of these fraudulent documents has become a nationwide concern. The Commonwealth of Virginia has some of the most stringent laws regarding eligibility for driver’s licenses, maintaining insurance and treatment of adult intoxicated offenders. Not surprisingly, the production of the physical drivers license and the procedures to prove the existence of state mandated minimum auto insurance coverage in VA have both been  modernized to deter fraud.

Virginia now produces driver’s license cards which have state-of-the-art security features. Some lettering is raised and can be felt by rubbing a finger across the surface. Part of this lettering is black in color and part clear. The cards are no longer old fashioned laminated cardboard or credit card like plastic. The cards are created from a polycarbonate composite which is criss-crossed with fine lines, micro-lettering and other features which cannot be reproduced by general purpose printers or other card extruders. The data is not printed on the surface of the card but is engraved by laser with overlapping characters and patterns. In the past, one of the features which ‘permitted’ fraud was the fact that the photos were on the surface of the driver’s license and could be peeled away for replacement with someone else’s picture. This is no longer possible with Virginia driver’s licenses since the new technology embeds the photos as part of the card itself. To remove the picture the card would have to be incised. In addition to the driver’s color picture, there is also a clear space inside the card so that a black and white image can be viewed from either the front or back in a holographic manner.

Virginia provides these high tech cards for children as well. Child identification cards are available to children who have not reached the age years of 15 who can be officially identified by official documents such as a certified birth certificate or passport. The cost is reasonable at $10.00 each and the card expires at the end of the child’s birthday month on each age divisible by 5. A great deal can be said for having proper identification for your child (especially adopted children), but the important aspect of this discussion is that Virginia has made special efforts to protect the identification document itself.

Protecting the driver’s documentation of Virginia car insurance coverage has been a more difficult task.   The proof of coverage documents is issued by various insurance companies (often after internet purchase) and there is no consistency in the color, substance or structure of the insurance cards.   Therefore, Virginia has verification procedures which are independent of the communication between the insurance company and the policy holder/vehicle owner. By state law, insurance companies must electronically transmit information to Virginia when a policy is created, terminated or suspended. Thus,   law enforcement personnel, Department of Motor Vehicle staff, and Courts can verify the status of insurance coverage without even speaking to the auto owner. This may seem to have little bearing on defeating potential fraud when someone forges a proof of insurance card to carry in their vehicle. The reality is that the physical card is no longer the best proof of automobile insurance coverage. Law enforcement agents might ask for the insurance card if there is a collision or checkpoint stop, but computer verification is available and would be used to confirm status.

Having state mandated insurance coverage is important for a variety of reasons – one of the most essential of which is that the Commonwealth of Virginia can verify that car insurance coverage in VA when needed. Being able to rely that the driver’s license cards and insurance documents are not faked is a valuable service provided by Virginia.

Everyone should carry appropriate insurance, particularly since it is mandatory and can be easily verified through Internet access by state authorities.  If you are uncertain that you have appropriate or cost effective auto insurance coverage in VA, then please put your zip code into the box at the top of this page. The costs of comparable coverage from several companies will be displayed. Knowledgeable drivers make for safer drivers. Use the above quote system to find the most advantageous coverage and be confident that you have the best, most cost effective insurance policy for use in operating your vehicle in Virginia.

Virginia Driving Laws That Everyone Must be Aware Of

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 requires that front seat passengers over the age of 18 use seatbelts  and it is also 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

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. Less than one in two hundred major crashes do a VA vehicle goes 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.

* I may be pregnant. 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 driving law in Virginia 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 and 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 quotes from companies who are licensed to provide auto 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.

The Use 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 VA 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.

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 place on these Virginia 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 break.   Overloading a high occupancy passenger van in VA 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 seat belt 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 VA auto insurance. A standard Virginia state minimum policy would never cover the issues, damages and potential deaths.  More information on available insurance costs, coverage 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.

Drunk Driving Laws For The Drivers And Passengers’ Safety

Happy hour is an important part of some peoples’ day most 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 in 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.

AutoInsuranceInVirginiaAlcohol 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 will himself be 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 Virginia 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 VA car insurance and the costs 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.

Special Issues of Traffic Violations For Virginia Drivers Under The Age of 18

The steps for a teen to get a learner’s permit and then a license involve education, supervised driving, and passing a written and on-the-road examination in Virginia. The special effort to educate does not cease there.

Demerit points are the penalties given for infraction by teens of the Virginia laws regarding operation of their cars on the roadway. Demerits are assigned for speeding, excessive or reckless lane changes, and moving violations of any kind. Accumulation of demerit points by a teen under age 18 (including for seatbelt and child restraint rules) will cause automatic loss of license.  The first requirement will be completion of a Driver Improvement Clinic. If that is not done within 90 days, then the teen’s license will be suspended by the Virginia Department of Motor Vehicles until the program is completed.

Incurring the second demerit point (including for seatbelt and child restraint rules) while under the age of 18 will cause an automatic license suspension for 90 days. A restricted permit to drive to work or school may potentially be obtained after petition to Juvenile and Domestic Relations Court. This restricted license is discretionary. Most teens will be walking at this point until the suspension ends.

After a third demerit point (including seatbelt and child restraint rules) for an act committed while the teen had not yet reached the eighteenth birthday, the Virginia Department of Motor Vehicles will revoke your permit or license for one year or until you reach age 18,  whichever is longer.

Teens can receive 5 safe driving points if they take and voluntarily complete a Driver Improvement Course, however those point would not be available if the course were required by VA Department of Motor Vehicles or a Court. Please note:  Virginia does not accept online courses as equivalent to the driver improvement clinic. Attendance at a classroom course is required.

What has not been spoken of during this review of the penalties for under 18 drivers in Virginia is that their ability to be covered by insurance has become more remote and expensive with each demerit.   Costs of insuring a single driver under age 25 are high but those costs escalate when there have been demerits, accidents or citations from another jurisdiction. Parents often pay the VA car insurance costs for these young drivers, therefore they should be diligent in supervising the teen long after the driver’s license has been issued. Costs for insuring a reckless, speed driven teen is often so high that the expense alone requires that the teen come off the parents’ policy, and is therefore uninsured. Being in a collision with an uninsured teen driver with a suspended license can be a horrific experience.   Your own auto insurance should be your security in a time such as this.   If you want to have coverage to pay for damages done to you, your passengers and your own vehicle, you should at least have your own coverage on which to rely.

Put your zip code in the block at the top of this page and receive information on cheap, competitive rates by some Virginia car insurance companies approved to transact business in Virginia. This information will give you a starting point to be able to make wise insurance decisions.

Auto Insurance Coverage Requirements 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 pre-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.

Virginia 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 In VA 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 VA car 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 costs and you may realize that having insurance is a necessity in operating a vehicle in Virginia.

The Consequences Of Not Having Auto Insurance Coverage 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.

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 VA car 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 quotes for cheap but appropriate VA auto insurance policies. 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.