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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.

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.

Rights And Obligations Of Car Drivers And Insurers In Virginia

Most people try to do everything in their power to keep their car insurance premiums low. However, almost all of them don’t know what affects their premiums the most. Here is a list of top 10 factors that influence their premiums.

Virginia car insurance rates are one of the highest in the country and that’s a fact. Another fact is that anyone that knows few things how car insurance companies work can lower his premiums below the state average. In addition to that one needs to know his rights and responsibilities regarding the auto insurance. Knowing your rights can help you lower your premiums the same way as knowing how car insurance works. The better you know them the less you can rely on what the insurance agent will tell you and more on your own conclusions and reasoning. Here are some of the basic rights that you have regarding car insurance in Virginia.

Right to buy car coverage

Anyone who applies for car coverage in Virginia cannot be denied to obtain one because of ethnicity, race or gender. As long as you are considered “eligible person” an insurer cannot deny you coverage. “Eligible person” is considered anyone who has less than seven insurance eligibility points on her or his driver’s record. In case you are denied coverage the insurer needs to state the reason for doing so. Most of the car drivers that are denied car coverage are denied because: they are not “eligible person” (number of points on the record), the insurer works only with special categories of car drivers such as farmers, military, teachers, police officers, etc., the insurer is prohibited to stop writing new policies by the department of motor vehicles, the insurer has underwriting guidelines approved by the state.

Right to change or cancel your car coverage

The drivers in Virginia have the right to shop for cheaper car coverage in VA at any time they want, not just when they need to renew their policy. In case you find much better price you have the right to cancel your policy and ask for a refund of your unused premium. All you need to do is to bring a proof of your new insurance to your old insurer. However, even there are no penalties for doing so most of the drivers avoid doing so. The drivers avoid doing so because that can affect their future premiums, they may become higher just because of that.

Right to choose

Every insurer that is licensed on the territory of Virginia has a legal obligation to inform you of your car insurance options when you apply for a new policy or at any other time when requested by you regardless if you have or have not purchased car coverage. The insurer have obligation to fully inform you how each of your choices affects your premiums and how you can benefit from all that in case of an accident. He must respect and not deny your right to be fully informed about anything regarding your car insurance; asking about additional options is included in that right.

Right to a timely response

When you apply for car coverage the insurer needs to response to your application or appointment request within five business days. Any voluntary insurance company in the state of Virginia is obligated to do so by the current regulations.  However, in case your application is not complete with all the pertinent information the insurer is not obligated to follow those regulations. That is if your application misses verification of any previous coverage or a copy of your driver’s record from the Virginia Motor Vehicle Commission.

Right to fair and prompt handling of claims

You have full right to ask about any payments which are made too others by your VA auto insurance compan and charged to your coverage. Also if you file a claim, the claim should be handled fairly and promptly. In case your claim has been denied, your insurance company must send you a written explanation why your claim was denied. The insurance company is obligated by state laws to do so.

Right to a notice of cancelation

In some pretty specific circumstances an insurance company has the right to cancel your coverage, the term used for that is mid-term cancelation. This happens when the insurance company discovers a fraud or when the policyholder fails to pay his premiums. In case you fail to pay your premiums the insurance company is obligated by law to send you a 15 days warning notice before they cancel your coverage. In cases other than that, a 20 day warning notice is obligatory.

The right to appeal

In case you want to make an appeal because your coverage was non-renewed or canceled, the appeal must be sent to the Virginia Department of Banking and Insurance. However, they don’t guarantee that they will reinstate your policy, so it’s highly recommendable you shop for alternative solutions. The important thing is that you have a place for an appeal if you feel you are treated unfairly by your insurance company. If you have all the facts and evidence that prove that you are right the department will protect you and your rights.

Right to a discount if you pass the defensive driving course

Any driver in Virginia that passes a defensive driving course approved by the Department of Motor Vehicles has the right to a discount. The state law obligates the insurance companies to give discounts to everyone that can prove that have passed the course. You would want to find state approved school near you where you can take the defensive driving.

You have the right to multiple free quotes

This is not defined by a state law, but it is something that is given as an option to every driver in Virginia. All that is needed is few minutes from your time to enter your zip above on this page and you can quickly run a free auto insurance price check. That is the most effective as well as fastest way to find cheap car insurance company that operates in the state of Virginia. Enter your zip and give it a chance.

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

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

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

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

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

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

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

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

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

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

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.

Criteria For Senior Drivers For Auto Insurance In Virginia

There are certain drivers insurance liabilities that are required to be put forth as per the Virginia auto insurance laws is one of the significant aspects a senior citizen needs to consider before selecting the auto insurance policy in Virginia.

To begin with selecting the auto insurance in Virginia, one needs to knowledgeable about Virginia financial accountability specifications which are cited below. The least amount of liability insurance coverage needed to meet the Virginia auto insurance laws is 30,000/60,000/25,000. Consequently, the insurance policy insurance against accidental loss with the senior citizen is at-fault needs to be at least of:

•             Thirty thousand dollars ($30,000) due to physical injury to or loss of life of one person in any one accident

•             Sixty thousand dollars ($60,000) due to physical injury to or loss of life of two or more persons in any one accident, subject to the thirty thousand dollar ($30,000) per person limit

•             Twenty-five thousand dollars ($25,000) due to physical injury to or damage to property of others in an accident

Under Virginia auto insurance laws, one needs to offer documentary proof of Monetary Accountability in the following incidents:

•             At the request of a law enforcement officer at the time of an accident or traffic stop

•             At the time of vehicle registration

•             At the time of driver’s license issuance

In order to make certain that drivers maintain the Financial Responsibility specifications, car insurance companies in Virginia need to show weekly report to the Virginia vehicle identification system, which shows the Vehicle Identification Number (VIN) of each and every single vehicle insured under an existing policy. If any individual fails to abide by the Virginia Financial Responsibility specifications, following are the penalties levied:

Inability to manage proper insurance premiums can result in the driver’s license suspension along with fines. Convicted drivers are compelled to pay a surcharge fee of $250 annually as per the Virginia Driver Responsibility Program. This surcharge is over and above any sort of other costs connected with the driving offenses and must be paid yearly for the next three (3) years. One may even be required to file an SR-22 or SR-22A.

Certificate of Financial Responsibility (SR-22 or SR-22A):

An SR-22 or SR-22A is a Financial Responsibility Certificate awarded by the insurance company to the Virginia Department of Public Safety (DPS) to show the liability insurance purchase by the driver. Drivers who are convicted of any of the below mentioned offenses could require paying for an SR-22 or SR-22A to restore their license:

•             Driving despite inebriated

•             Drug offense

•             Driving even if the license lies suspended/invalid

•             2nd or another ticket for no liability insurance

If an individual is necessitated to keep up with the Financial Responsibility Certificate, the insurance company must offer the DPS with a minimum of six (6) days prior notice prior to the cancellation. The insurance company will only issue a Virginia SR-22 or SR-22A to Virginia residents as per the Virginia Auto Insurance Laws. Don’t fail to compare the existing premiums being offered by different insurance companies by simply entering the zip in the box on top of the page.

Tips on How to Keep Your Virginia Car Safe

To keep your Virginia car safe has many advantages than you can imagine. Keeping your Virginia car safe offers great advantages such as less Virginia car insurance cost which is the dream of every car owner in Va. Thus, keeping your vehicle safe makes sense in very many ways and on top of saving on your annual insurance payments, you also save live in the process.  With the ever changing economic times characterized by high insurance prices and other vehicle maintenance cost, keeping your vehicle safe would considerably trim down the high costs associated with owning a car in Virginia.

If you own a car alarm system, just use it. Most car owners in Virginia would be surprised to learn that many car insurers in Va offer insurance discounts to car owners for just having a reliable and effective alarm system. Depending on where you live and whether you have an active or passive alarm system, Virginia car insurance discounts for having an alarm system typically ranges between 2 to 10%. Having an alarm system in a higher-theft region would certainly generate a large car insurance discount. Also, having other anti-theft gadgets relatively reduces your insurance premium to your advantage. Installing all these security devices aimed at deterring car theft certainly makes your car much safer to your advantage. Considering the fact that theft claims in some Virginia areas are as high as thousands of dollars, this translates to great savings per year.

Wherever possible, Virginia insurers always advise car owners to park their cars in garages that are enclosed. This also has many benefits apart from attracting lower insurance rates for your car. It keeps your car safe from harmful elements such as snow, hail and rain. This certainly reduces the insured risk from occurring meaning that you pay lower insurance rates which more so applies in a new car. With this, you save more money especially on the comprehensive section of your cover that includes theft and fire coverage. Storing your vehicle in a secure garage also helps maintain the good appearance of your vehicle by ensuring that it does not appear “weathered” as your vehicle gets old. In case you might want to replace your car by selling it, the car will have a higher resale as well as a higher trade-in value if you opt to trade your vehicle for a newer vehicle.

Keeping your Virginia car safe also means that consider what is inside your car. Most car owners tend to be highly concerned with the outside appearance of their car and rarely pay attention to the car’s interior. In general situations, your car contents are comprehensively covered by homeowner’s insurance coverage although special limits and other deductibles still apply. Thus, various items like CDs, clothes, luggage etc…are typically insured and are not prone to depreciation. To enhance safety, such items should be kept in places that passersby can’t find them easily to lower the risk of them getting lost. For instance, ensuring that your car’s doors are always locked can be such a great idea. This consequently means low insurance payments for your car.

To keep your Virginia car safe also means that you carefully consider the type of car you are buying. According to recent studies done by Virginia National Insurance Crime Bureau, the most stolen vehicles in Va are 2010 Toyota Carmy, 1996 Toyota Accord, 2003 Ford Explorer, 2000 Dodge Caravan and 2000 Honda Civic. These cars attract high Virginia car insurance rates. In fact, the cost of buying replacement parts for these five cars might even be of a higher value than the vehicle itself. Before buying any of them, you should check their insurance rates by typing your zip code on the box at the top of the page and assessing how insurance rates differ between these types of vehicles in Virginia.