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Guide On How to Find Affordable Auto Insurance in Virginia

Auto insurance in Virginia is mandatory, required both by federal and state laws. Anyone driving without it risks being penalized by the authorities. The penalties and fines can be pretty severe and can cost you as much as an auto insurance policy costs. Therefore, forget about driving without it and buy one if you don’t want that to happen to you. The only thing that is in your hands is how much you will pay for the policy. If you follow this simple guide you will surely find cheap auto insurance in Virginia. All it takes a fraction of your free time and almost no effort.

Before you approach car insurer for a quote or even consider buying a policy, you need to be sure what you need. Beyond the minimal coverage, you will need to base your decision on how much coverage you need and how much you can afford, finding the perfect balance between your need and your finances. Your coverage should fit your particular circumstances, not some general plan that some insurer might try to sell you.

With that in mind you should start looking for quotes from as many insurers as possible. Nowadays, that is pretty easy; all you need is an internet connection and a PC. You go online, enter your zip and you can have your free quotes for comparison. That should give you a clear view on what’s offered and what to expect. It’s pretty fast, won’t take too much of your time and it’s completely free as well as non-obligatory.

Once you see what’s on the table you can search and see if there are other ways to reduce the offered premiums for maximum savings. Insurance companies offer various discounts to their policy holders. Today you can get a discount only because you are married or your credit score, two seemingly unrelated factors to car insurance. Both those things are seen as signs of stability and maturity, something that insurers reward with lower premiums. On the other hand if you are not married and your credit score is poor than your premiums will be pretty high compared to if you were married and with good credit rating.

The important thing is to make a list of the possible discounts and see for which you are eligible and for which you need to do something to obtain them. Aside the mentioned types of discounts the insurers offer discounts if you: pass defensive driving course, you have a good driving record, you pay your premiums in full, your car has safety features, etc. If you talk to an insurance agent he can give you a list of all the potential discounts that you could have.

Combine the offered discounts with the lowest quotes you find online and you will surely obtain the cheapest possible coverage. If you are interested you can instantly get the lowest car insurance quotes in Virginia. All you need to do is to enter your zip code above on this page and you can find Auto insurance in Virginia that suits you the most.

Various Types of Auto Insurance in Virginia

Auto insurance in Virginia covers a vast variety of circumstances to provide the driver with the mental peace. In addition to this, the auto insurance law of Virginia also compels a person to have insurance. Different requirements are set for different people. If you are liable to carry insurance, then it is better to be aware of the circumstances in which it will be effective; so that you can convert your legal obligation to a personal asset.

If you observe most of the policy coverage that are generally available these days, it is observed that there are six basic types of auto insurance coverage. There are planned on the basis of the most common types of road accidents. In addition to these, there might be some extraordinary circumstances in which you can get covered in your policy. It depends on you whether you choose minimum coverage or an extensive package. You can check whether you have gotten the right policy and rates by comparing it with the other auto insurance quotes in Virginia.

One needs to have the basic knowledge about the coverage so that they do not get “over-insured”. This might result in payment of higher premium; even though the probability of utilizing that clause of the policy in reality. Here are the general concepts reVArding the basic types of coverage of auto insurance in Virginia.

1. Liability coverage: every driver in Virginia is liable to get liability coverage of minimum 60,000 . This does not cover any damage done to you or your vehicle or any property under your name. If you ever have been in an accident in which you were found guilty of being at fault, then this covers the damage caused to the other person and his property. Most of the time, the minimum liability coverage is insufficient to completely compensate the other person’s damage. This provides the coverage whether you are driving your own car or somebody else’s car.

2. Property damage liability:  this is the extension to the liability coverage clause. This covers the damage done to the property of the third party in an automobile accident, in which you were found guilty of being responsible for it. The minimum state limit set by Virginia authorities for property damage is $25,000. You get insurance for a higher amount. A deductible might be a part of this. This protects you from any future damage that you might be sued for.

3. Comprehensive coverage: this covers different type’s circumstances that might result in your car getting damaged; other than normal circumstances in which the damage occurs due to collision with another car. These might include hurricanes to other natural disasters. This would also come into action if the vehicle gets stolen or have a collision with animals.

4. Collision coverage: the name is self-explanatory. This covers the damage incurred by you in collision with some other vehicle or stationary object. Some policies also provide coverage for damages after moving over some hole or turn upside down due to any reason. Their primary action is to pay for any repair cost incurred in bringing the vehicle in proper working condition. If the vehicle cannot be repaired, then the insurance providers provide the amount equal to the current value of your vehicle.

5. Gap insurance: it is observed that when a new car is bought it loses its value quickly. This insurance covers any damage incurred by the car during this period of rapid depreciation. This is also called lease insurance. This is important since the normal coverage only reimburses the amount equal to the current value of the car.

6. Rental insurance: this is a rare occurrence, since numerous policies would not cover you if you become a part of an accident while driving a rental car. Such policy covers clause relating to different types. This might provide personal as well as liability coverage. Although it does not cover provision of a rental vehicle when you car gets damaged.

7. Physical damage coverage: this includes comprehensive, collision and theft coverage. Virginia requires every person to carry a minimum amount of damage. This is effective when your car is under the process of repair but allows you to be prepared for future fatalities and auto issues, in general.

8. Uninsured driver coverage: if you get in an accident in which the other party is at fault but it does not have any insurance coverage to protect you; then covers the cost of any medical damage incurred by you or the people travelling with you.

9. Fire and theft coverage: In 2010, 68,220 stolen vehicles were reported in Virginia; with the value of $635,570,078. That is why it is smart to get theft and fire coverage in Virginia. The cause of fire might be varied, even if the fire occurred due to collision.

10. Bodily injury liability: If an accident caused by you results in any other person injured, then you can use this to compensate any damages that you might be sued for. This does not give any benefits to you or any other driver mentioned in your policy. This might include the injured person’s medical bill, rehabilitation and nay other therapies required. The minimum liability of Virginia authorities is $30,000.

11. Personal injury protection: It is also called medical payment insurance. It provides similar coverage like bodily injury liability. The main difference lies in the fact that it covers medical and health costs for you, in case of an accident. This can work in hand with your medical insurance. You might be lawfully liable to get this insurance. This is a great way to ensure extra protection.

Now that you have acquired the basic knowledge about the different types of coverage at your expense, it is time to find out that are you smartly insured or are being taken advantage of by your insurance provider. Just add your ZIP code in the box above, and within 3 minutes you would get all the information from different policy providers with regards to their cost.

The Right Time to Talk to Your Virginia Auto Insurance Agent

As with the other states when you need new or you want to renew your old car coverage, you call or go to fully licensed Virginia auto insurance agent. In addition to that the insurance agent is someone who understands your auto insurance in full and who you need to talk when you have some question regarding that. However, that doesn’t mean that you need to call him every time day or night when you have some doubt. Here are few situations when it’s a good idea to call him so he can explain you what’s their company’s policy on those matters.

Before you buy a new car

The model, the type of the vehicle, its price and its safety features, all that can significantly affect your premiums. However, generally speaking the cost of the vehicle if what makes the biggest impact on your car insurance premiums. The more expensive your vehicle will be the higher your premiums. Exactly how high only your insurance agent knows because every insurance company calculates that differently.

Before you borrow your car to a friend or family

If you borrow your car to a friend you know that in case of an accident your premium can get hurt as well. Therefore talk first to your insurance agent if you often borrow your car to your friends.

Before you add your spouse or child to your policy

First of all when you are married you qualify for discount. Companies see that as positive sign and as a result of that they reward married people with lower premiums. Adding your spouse on your policy can earn you additional discount only if he or she has a good driver’s record, otherwise it can raise your premiums. Talk to your insurance agent and ask him what he thinks regarding that matter. Adding your teenage son or daughter to your policy won’t bring you any discount, but it will surely raise it. Teenage drivers are considered one of the riskiest groups and pay the highest premiums.

Before moving in another neighborhood

The area where you live strongly affects your premiums. If you live in an area with high crime rate you get to pay higher premiums. You can have the perfect driver’s record but if you live in such area plus you park your car on the street there is no escape from high premiums.

Before renewing your car policy

This is probably the best time to call your agent unless he calls you first. At this point you need to ask him to give you a quote. You need also to mention him that you will look for other quotes as well. That should shake him a bit and motivate him to give you a better, lower quote. Regardless of that it’s always a good idea if you get quotes from other insurance companies as well. The best and the fastest ways to do so is if you enter your zip above on this page and compare free quotes for top savings. This is the fastest way to find cheap auto insurance in Virginia.

List of Car Insurance Discounts in Virginia

Buying cheap auto insurance in Virginia can be easy as a walk in the park or impossible task if you don’t know how to obtain it. In order to get the cheapest possible one needs to know the discounts that are offered by insurance companies. Here follow list of discounts available to Virginia drivers. Use what you learn here and you will definitely qualify for a discount. How big the discount will be depends on how much you will apply this knowledge that you will obtain by the lines that follow as well as from the insurance companies.

AutoInsuranceInVirginia–              Defensive driving discount

Drivers that are at age of 55 age and older that will pass the defensive driving course are eligible for a discount. If you are part of that age group you need to provide a certificate issued within three years approved by the department of motor vehicles.

–              Good driving discount

You can have this discount only if each of the drivers in your household have not had no at fault accidents or moving violations in the last three years.

–              Multiple automobile discount

You can get this discount only if you place all of your vehicles of your households with one insurance company.

–              Good student discount

In order to be eligible for this discount you need to be no more than 25 years of age, at high school or a full time student, and to have a grade point of 3.0 out of 4.0 or higher.

–              Passive restraint discount

Every vehicle equipped with a factory installed air bag or some other type of passive restraint which is made according the federal safety standards will receive discount on the premiums for income loss benefits and medical expense benefits.

–              Student away discount

Students that study in a place that is at least 100 miles away, who keep their vehicle at home and who drive it only while they are home for holiday or vacation are eligible for this discount.

–              Loyal customers discount

Almost every car insurance company in the state offers discounts for its loyal clients. If you keep a good driving record and you stick with one insurer for a longer period it’s highly likely that you will pay pretty low premiums on your car insurance.

–              Name your spouse as second driver

This will qualify you for a discount only if your spouse has a clean driving record. Otherwise you will do the opposite, your premiums will increase. Therefore first check if your spouse has a clean driving record.

–              Spend less time on the road

The fewer miles you do the higher the discount will be. You need to talk to your insurance agent about this and he will explain you how the system works with this type of discount.

Even so that the recommendations above can significantly reduce your premiums there is one more thing that can make even bigger difference. That is to get as many quotes as possible from as many auto insurance companies that operate in the state of Virginia. The fastest way is if you enter your zip above and get free quotes for comparison of auto insurance in Virginia.

Do’s and Don’ts Guide to Young Driver’s Virginia Car Insurance

Coverage of auto insurance in Virginia for young drivers is eye-watering. Almost by default young people under the age of 25 are destined to pay high premiums. However, there are ways to lower your premiums regardless the age. This guide can help you to do so. All you need to do is to stick to the Do’s and Don’ts recommendations that you will find in this article.

Do – try to add a second more experienced and responsible driver to your policy

This will surely decrease your premiums. For an example, if you add a 40-year old family member with clean driving record you add some “weight” to your policy which will be seen as a positive sign by the insurance companies and they will grant you a discount. Even if that family driver does not use the car so much you will have your premiums.

Do not – put someone else’s name first on your policy if it’s your car

Many young drivers put their parent’s as main drivers so they can cut insurance costs. However, that is called fronting and it’s illegal. If caught this can stain your driver’s record permanently and can even lead to prosecution, therefore do not do it.

Do – inform your insurer about some special circumstances and changes

You need to inform your insurer if something is change that affects your car policy, something such as you modified car or you expect to drive more than 7.500 miles a year. In case you forget to mention that to your insurer and you want to make a claim, even for an issue not related to that, your policy can become invalid. Even if you change your address you need to call your insurer and notify him about that. On the other hand canceling an insurance policy due to a fraudulent claim can be very difficult and very expensive. Not to mention that it will go into your driver’s record and will affect your premiums for the rest of your life.

Do not – pimp your vehicle

Your vehicle might look cool and sound great but it won’t do any good to your car insurance premiums. The more you modify your vehicle the higher your premiums will be. A modification is considered anything that is not part of the standard vehicle specification, even alloy wheels are considered as such.

Do – bring all of your insurance policies under one roof (company)

If you give all of your car policies or any other type of policy to one company you will make your insurance agent very happy. Insurance companies love that and will surely award you with great discount. The more business you bring them the bigger the discount.

Do not – be tempted to lie

When it comes to car insurance there is one simple and golden rule that says: “Tell them the truth and nothing but the truth”. Otherwise you risk prosecution and premiums as high as Mount Everest.

Do – Enter your zip above to compare free quotes and see how much you can save.

There is no better way to find affordable Virginia auto insurance.

All You Need to Know About Car Insurance in Virginia

Auto insurance in Virginia is pretty much the same as in most states. Regardless, the better you know it the better your chances to get low premiums. That and few tips how to get affordable car insurance are described in here.

The auto insurance laws in Virginia are pretty much the same as in any other state with few differences. As in other states the better you understand them and know, the better your chances to get lower premiums. How much you pay for your car insurance depends on several various factors that can be divided in two categories. One category is made of factors that you can’t influence in some way and other is of factors can be influenced by you and your choices. How you will use that it depends from you and your ability to adjust to those circumstances. Here follow few practical advices and explanation on how staff works and are done in the world of car insurance in Virginia.

Know car insurance in Virginia

Do you know what your auto insurance actually covers? Even so you buy a single policy covering one specific vehicle, a number of components add up and make the full cost. Every driver on the roads and highways in Virginia is required to have at least minimum coverage which is: Bodily injury/death of one person $25.000 or $50.000 for two or more persons. In addition to that the insurance policy needs to cover property damage up to $20.000.

What affects your car coverage the most?

Car insurance is affected by various factors from which some are based on your actions while others are fixed and there is nothing you can do about. For an example your age is something that you can’t change. If you are a teenage driver you will pay high premiums. Why? Well,  Not because you are a bad driver but because you are a teen driver and all teens are categorized as risky drivers, no place for exceptions. Or another good example is your marital status. Once again you might have the perfect driver’s record but if you are unmarried you will pay higher premiums as oppose of if you were married. The only thing that you can do is to get on your knees, propose to your girlfriend and hope that she will say yes for your car insurance sake if not for other reason. The factors that influence the car coverage premiums are: driver’s record, age, where you live, past traffic violations, credit rating, model and type of your vehicle, marital status, etc.

How to find affordable car insurance in Virginia?

You look for affordable auto insurance in Virginia as same as you do in any other state, you go online. Nowadays, you need an internet connection, PC or even smartphone, few minutes of your time and you can find the cheapest car insurance in the state. You can instantly get a great number of free quotes from plenty of car insurance companies. If you want you can do that right now, all you need to do is to enter your zip above on this page and you will find the most affordable auto insurance coverage in the state of Virginia. It’s fast, efficient and easy.

What You Need To Understand First Before Purchasing Virginia Car Insurance

One need to understand his needs as well as what’s offered before make a buying. The better you comprehend what’s there the better deal you can make. Here is a short overview on how to buy car insurance and the most important things to understand before you obtain one.

When it comes to auto insurance in Virginia the first thing to remember is that it’s obligatory for every driver in the state. Second that Virginia has the fourth most expensive car coverage in the state and third that there are ways to make it more affordable. There is not much to be done about the first two things but the third point is where you need to focus, that is how to get the best deal on your car coverage. As with any other product or service one needs to understand and have a clear understanding on few things before even considering going to an insurer. He must be aware: how much coverage he needs, what’s his budget, what are his rights, which discounts are at his disposal, what affects his premium and where to find the best deals.

Understand how much coverage you need

How much coverage I need is the question that you need to ask yourself before you do anything else. Each person has different needs, drives different vehicle, drives different routes and mileage, lives in particular area, etc. According to the Virginia laws you need to have at least basic coverage if you want to drive legally. The basic coverage can cover only:

–              Property damage liability ($5.000 per person, per accident)

–              Persona iVAury protection ($15.000 per person, per accident and up to $250.000 per more than one person, per accident for certain iVAuries)

In addition to that the basic policy comes with limited right to a lawsuit meaning that you can only sue in cases such as: loss of body part, loss of fetus, permanent iVAury, significant disfigurement, significant scaring and death.

Understand the type of discounts

The car insurance industry is one of the most competitive ones and that’s a well – known fact. As a result of that the insurers constantly introduce new discounts in order to attract more clients. According to the insurance laws every insurer needs to provide a list of all discounts that they give plus those that are obligated to give. That is if you ask them to do so. For an example, the state of Virginia has a law that says anyone that passes the defensive driving course is eligible for a discount.

Understand what affect your premiums

Once again if you ask your insurance agent what affects your premiums he has an obligation to answer that and explain you everything regarding that. That should help you make a plan how to lower them if possible.

Understand where to find the best deals

There is no law or some rule that says that you need to look for the cheapest car insurance in town. This largely depends on you and how much you want to find a great deal. Doing this would take much less time than anything else already mentioned so far. All you need to do is to enter your zip above on this page and compare some of the lowest car insurance rates in the state of Virginia. It’s fast, non-obligatory and free. Try it now!

How To Avoid Overpaying On Your Virginia Auto Insurance

LowCostAutoInsuranceInVirginiaThe only way you can find out if you are overpaying your car insurance is if you know your rights and how the insurance companies work. This article can help you in both fields.

Virginia auto insurance, as in the other states is required by law and a necessity you have to pay in order to be able to drive legally on the roads and highways of this state. But at the same time it does not need to be something that you need to overpay, like is not expensive enough. Vast majority of the car owners are eager to find a way to save on their auto insurance, but either they don’t know how or they aren’t sure that they can get a better deal. Lowering your premiums is not that hard and can be easily achieved, all you need to do is to follow few recommendations and know your rights.

How to tell if you are overpaying on your auto insurance premiums?

Most of the people shopped around for auto insurance in Virginia before they purchased their first insurance coverage, after what they have a tendency to settle. They think that because they made such a great deal then, they have nothing to worry about and the good rates are to be expected in future by default. However, that is what most people expect which often is out of touch with the real situation. The truth is that rate change over time; companies change their fees, your circumstances change and a lot of other things that may affect your coverage. Therefore, if you haven’t seen what’s offered on the car insurance market you could be overpaying?  The best way to check that is if you arrange a meeting with your insurance agent and see what raises your premiums. The insurance agent has a legal obligation to tell you all he knows and what might affect your insurance premiums.

What to do in case you are overpaying?

First of all you need to understand whether you are overpaying because of your actions or behavior on the roads, or because your VA car insurance company raised its rates on a company level. The insurance agent can help you get a better and more concise picture on the matter. The best solution is to go and check other offers. Your insurance agent has no legal right to prevent you from doing so, all he can do is to tell your current situation and where you stand with your car insurance policy. Nowadays, all you need is some time, an internet connection and a computer to get free quotes for comparison. Once you see other quotes you will know what your next move should be.

How to get rid of your current coverage?

You can simply get a new one and cancel the old expensive coverage. The insurer is obligated by the state laws to refund you for the unused premiums.

If you are truly interested in checking whether you are overpaying your car insurance premiums enter your zip above and you will get free quotes from some of the cheapest insurers in Virginia. This is the safest, fastest and most effective way to make sure that you are not overpaying your auto insurance.

Simple Ways To Manage Your Car Insurance Premium In Virginia

This is reverse psychology in action; by giving examples on how to skyrocket car insurance premiums. Here are few laws that if you break them, they can make your car insurance to cost you a small fortune.

So you live in Virginia which means you must have some type of car coverage and as any other resident in Virginia you pay pretty high rates, at least compared to some other states and you want to learn how high can your Virginia auto insurance can be? In addition to that you want to know how effectively you can achieve that. Here are the most effective ways to achieve that, stick to the recommendations here and not only that you can have record high car insurance premiums but at the same time you will have hard time finding an insurer that wants to sell you a policy.

The fastest way to high car insurance premiums is through any kind of bottle that contains any kind of alcohol. All you need is 0.08% in your blood. Make sure you come across a police officer and ask him to test you. Couple of glasses of any alcohol should help you achieve that level so you can be officially charged for driving under influence. Nothing raises the premiums as driving under influence. Virginia car insurance laws are pretty strict about driving under influence and if caught multiple times while driving under alcohol your premiums will be the least of your worries as you will risk losing your driver’s license as well as even imprisonment.

Traffic violations have the same effect on your premiums. With every new traffic violation your car premiums will significantly increase and may well rise up to a point that you will need a new job just to pay your premiums.  You should know that with every traffic violation you add a point to your driver’s record. In case you have seven points you will become “non – eligible person”. At this point you will have a limited choice and only few insurance companies will sell you a policy. The rates will be out of any chart.

Buy a new, expensive, preferable exotic car and you will see your premiums skyrocket. The more expensive the car the higher the premiums will be. There is no getting out of this, no way to bypass it or to decrease the premiums even if the vehicle has plenty of safety features. If the vehicle costs a small fortune so will the premiums.

Add someone with bad driver’s record to your VA car insurance policy. This is another great move that you can do in order to get the highest possible premiums. If you have a bad driver’s record and you add a family member with evenly bas driver’s record you will achieve your goal instantly. In case none of your friends is notorious driver as you, add your teenager as a second driver to your policy. That should have almost the same effect on your premiums.

Another great way of get high premiums is to get free quotes online and look for the highest. If you are strongly interested just enter your zip above on this page and you will find the lowest as well as some of the highest car insurance free quotes in Virginia.

What You Need To Know About the Policyholder And The Insurer’s Rights in Virginia

The Virginia auto insurance laws are not as complex as one would think. They are there to protect any party from fraud and to make sure that contracts are respected and fulfilled. Both policy holders as well as insurer’s have certain rights but at the same time, have certain obligations as well. Here is a short overview on those rights and obligations given by the state of Virginia. Following them can bring from low premiums to sever fines and penalties.

– The first thing that you are obligated to do as a policyholder is to correctly fill your application form. Failing to do so and the insurance company have the right to revoke your policy and not pay you if you make a claim.

– In case your car coverage is canceled, the insurance company is obligated by law to send you a 15 day warning notice. That is if you fail to pay your premiums on time, otherwise the notice needs to be for 20 days.

– You are obligated to notify your insurer if some of your circumstances in your policy are changes such as you moved to a new address, you made some modifications on your car, etc. Failing to do so can cause the VA car insurance policy to be revoked.

– If you ask your insurer he needs to tell you about everything that affects your premiums, how they calculate your premiums, their discounts and any information about your coverage in general. You have the right to ask and they have the obligation to tell you everything they know.

– The insurance company is obligated by law to award you with a discount if you pass a defense driving course approved by the Virginia Motor Vehicles Commission.

– You are not obligated to tell your insurance agent about your old traffic violations and car accidents after a certain period. There is an act from 1974 that says that you can do so.

– No auto insurer that operates on the territory of Virginia can refuse selling you a car policy because of your ethnicity, gender or race.

– The policyholder has the right to change or cancel his policy at any given moment. Regardless your motivation to do so, you can do that only by providing proof of your new policy to your old insurer. The old insurer is obligated to refund you for your unused premium.

– The insurer is obligated to respond to your application or meeting request within five days.

– The policy holder has the right to ask if payments were made to other parties from his coverage. The insurer is obligated to respond to that and inform you correctly.

– The car owners in Virginia have the right to get free quotes for comparison. Even though that this is not regulated by any law but it does not mean that it should not be done. On the contrary, that is the best way to find affordable car insurance in Virginia.