How to Get Cheap Life Insurance Online in Virginia

Some individuals just don’t think ahead and by the time they realize they need a life insurance policy, they are already suffering with a serious illness. It can seem impossible at that point to find affordable life insurance but that’s just not the case. With all the cheap life insurance that can be purchased online in Virginia, residents here have several different viable options.

Virginia insurance companies are permitted to sell a type of life insurance that is referred to as all risk. This really means that the consumer takes all the risk. People interested in this type of insurance can gather quotes online from some of the insurance companies that offer it. It should be noted that even though they will have a policy in place, if they die within a specified time period which may be up to two years, the beneficiary they named won’t get anything.

Another point to keep in mind when looking for cheap life insurance online in Virginia is how frequently each insurance company you get a quote from, wants to be paid. Most people like the idea of spreading their payments out over the course of a year, but that can actually result in a higher overall premium. If their quote is based on a twice yearly payment, try and adapt to that to save yourself some money. You can even save a little each month in a separate bank account so that when the payment does come due you’ll be prepared.

There’s another hidden cost that comes with the convenience of paying more frequently and that’s service charges. Although this can seem minimal if they are just a few dollars a month, when you add that up over the course of a year, it’s quite a bit of wasted money. Most insurance companies will note the frequency of payments they prefer on their website during the quote process.

How, When and Where Deer Cause Costly Insurance Claims

Already known as the state with the highest rate of car-deer accidents, West Virginia also might be the costliest with an average $44 million in auto insurance claims paid annually due to collisions with deer.

Between 2002 and 2009, car-deer accidents annually inflicted an average $44 million in damages covered by auto insurers, according to the West Virginia Insurance Commission. But because state officials only tallied auto insurance claims paid, the actual amount of damages exceeds $44 million when factoring in deductibles and coverage limits. The state has a deer herd of about 1 million.

Passenger vehicle collisions with deer are more frequent during the deer migration and mating season of October, November and December, and the combination of rising deer populations coupled with loss of habitat to urban sprawl are increasing the odds of car-deer collisions in states like West Virginia.

Based on auto insurance claims data from the last half of 2007 and the first half of 2008 and motor vehicle registration counts by state, and insurance officials estimate the odds of a driver in West Virginia hitting a deer over the next year at 1 in 45. A year ago, the odds of hitting a deer while driving in West Virginia were 1 in 57.

West Virginia drivers are about twice as likely to hit a deer while operating a vehicle in the state than a U.S. taxpayer is to be audited by the Internal Revenue Service in 2009 and 1,100 times more likely to hit a deer than win a state lottery if purchasing one ticket per day for the next year.

Michigan drivers face 1 in 78 odds of hitting a deer, placing Michigan second among states where drivers are most likely to hit a deer. Pennsylvania, 1 in 97, Iowa, 1 in 105, and Arkansas, 1 in 108, ranked third, fourth and fifth, respectively. South Dakota, Wisconsin, Montana, North Dakota and Virginia rounded out the top 10. Hawaii ranked last among states in which drivers are most likely to strike a deer with odds of 1 in 10,962.

The United States averages about 1.5 million deer-vehicle collisions every year, killing more than 150 drivers and passengers and causing $1.1 billion in property damage, according to the Insurance Institute for Highway Safety. Auto insurance claims data indicate the total number of deer-vehicle collisions in the United States increased nearly 15 percent from five years ago. The average auto insurance claim from car-deer accidents during the past year was just over $2,950, up 2.5 percent from a year prior.

How to Save Money and Get Discount Automobile Insurance in Virginia

Now you have a good means of transportation, that will get you from point A to point B. Now you have to protect it. Yes we all know that automobile insurance is a “must have”. It is very expensive especially in Virginia. Here some ways you can save money:

1. Compare and Analyze. You can confer with different online insurance quote services in order to see what’s available out there. You can also consult consumer information provided by Virginia insurance department. These guides will tell you what kind of policy or coverage you made need and give you sample rates just so you can get a feel of how much it will cost you and what you need.

2. Request higher deductibles. When you file a claim the deductible is the amount you have to pay out of your pocket before your insurance company starts helping paying for the deductible. The higher your deductibles are the less you will have to pay on your monthly premiums. This can save you hundreds and hundreds of dollars a year.

3. Opt out on collision and comprehensive coverage on old cars. If your car is not even worth $2,000 then you can end up paying more for the coverage than you would if you were to file a claim.

4. To make sure you save as much as you can you should look into the discounts available. Some insurance companies will give you discounts for having airbags and other safety features.

5. Maintain a good credit record. Most insurers don’t tell you this but if you have a good credit report you will definitely have to pay less. If you have a good credit report than insurers know that you pay your bills on time, don’t skip payments and that you don’t open and close accounts frequently. They use all this information to settle on a insurance risk score.

Five Deadly Insurance Mistakes

Insurance is your protection. Yet when it comes to purchasing Virginia insurance, many people make huge mistakes that cost them thousands of dollars. Here are the five deadly insurance mistakes that are made by consumers over and over:

1. They don’t use the insurance shopping checklist. Many agents will provide you with a free checklist that will evaluate what coverage you need and don’t need. This will also outline any questions you need to ask as you “interview” your agent. Many people are underinsured or over insured because they don’t take the time to truly consider their needs.

2. They mistake “cheap” for “value.” You may get a low premium, but you sacrifice with a higher deductible. If you have a claim, you may end up paying thousands of dollars that would have been covered if you had increased your premium by just a few dollars. Make sure your coverage really protects your assets-even if it costs a few dollars more. And most insurance agents offer discounts. You can find value in these discounts without sacrificing coverage.

3. They don’t thoroughly read the Virginia insurance policy. Your agent will explain the policy to you, but it is your responsibility to know what is covered and not covered. Once you have signed the policy, you can’t claim you didn’t know what the policy entails.

4. They trust their family’s protection to a $5 an hour temp operator. Many of the larger companies advertise great service but that service comes from customer service operators, not claims specialists or agents. Is this who you want when you are in a crisis? You want a professional agent who will handle your claim promptly and personally. Better yet, find an agent that offers a 24-hour response guarantee.

5. They have their policies with different agencies. Combining all polices (home, auto, life, boat, etc…) can save you up to 40 percent. If you haven’t asked your agent about combing policies, you are cheating yourself out of hundreds of dollars.

These mistakes may not seem so bad to you but consider this example. You are involved in a car wreck at 2 a.m. You call the 800 number provided by the agency. The overnight “customer service specialist” says no one is available to help you at the time. You are stranded, injured and upset. You are not exactly sure what type of coverage you have. Three days later, someone comes to inspect your car and assess your injures. With a home auto specialist, you will have someone respond within 24 hours and begin processing your claim immediately. Which type of service do you prefer?

5 Things to Look Out for When Buying Homeowners Insurance

Here are the Top 5 Things I see people miss when reviewing their Northern Virginia Homeowners Insurance Plan

1. Understand your deductible – Many clients who come to me to review their Virginia Homeowners insurance policy realize they have a deductible they didn’t know about or even understand. Some Insurance Companies offer split deductibles meaning they offer one deductible for theft say $500 but a much bigger one for windstorm or tropical cyclone say 5%. ( on a house that’s insured for $250,000 that’s a $11,250 deductible) that’s a huge deductible and while your premium will be super low. If a windstorm drops a tree on your house you pay the first $11,250.00 before the insurance company pays a dime. I usually recommend high deductibles, but It is never a good thing when it’s a surprise

2. Make sure you have adequate Replacement Cost Dwelling Coverage…Many customers just rely on their agent to tell them how much to insure the house for. You should be proactive and use several sources to come up with a number. Here are 2 you can use right now.

Remember you don’t have to insure for the value of the land!

a.) Find your latest appraisal and look on page 2 or 3 where they show the Cost Approach to Value.

b.) Know any contractors or home builders? Call one and ask about the average cost per square foot. Measure your house and do the math. Pro’s Tip** the links above for your property assessment will give you the above ground square footage of your house. Don’t forget to add in the cost of finishing your basement. Do you have imported Italian marble floors or a Viking Range??? Probably should go with higher than average amount!.

3. Sewer and Drain Coverage- Expands the type of water that is covered under your policy I recommend it to everyone. Understand what the difference between a Sewer and drain back up and ground water. Be diligent and keep all exterior drains to your house clear of leaves and debris.

4. Combine Virginia Homeowner and Auto Insurance to get discounts. Most Virginia Insurance companies offer a discount for combining the two policies. With this added discount you can often use those saving to protect your assets with a Virginia Liability Umbrella Policy. The savings on combining the coverage often allows you to pick up this valuable excess bodily injury and property damage liability very affordably.

5. Watch out for Jewelry limitations. Most Virginia homeowner’s insurance policies carry a limitation for Jewelry coverage for theft and breakage. Theft and Breakage are the real threats to your jewelry. A separate annual policy or as an endorsement to your homeowner policy you can add this coverage. You usually just need a full description of the item or a recent appraisal. It’s not expensive at all.

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Best Car Insurance Rates In Virginia

Virginia Insurance Requirements
Minimum insurance rates in Virginia require:
$25,000 bodily injury per person
$50,000 per accident
$20,000 property damage
The state of Virginia allows drivers to pay a $500 Uninsured Motor Vehicle fee if they want to drive without insurance, and at their own risk. This fee has to be renewed when the car registration expires. Drivers that do not carry auto insurance, or pay the state fee can have their driver’s license suspended, be required to fill out a SR-22, or financial responsibility insurance certificate, and pay a reinstatement fee.

Virginia requires that car insurance policies include:

Bodily Injury and Property Damage Liability: this covers the driver if they are responsible for causing injury or damage to another person or property. Under insured/uninsured Coverage: Under insured pays if you are involved in an accident and the other driver doesn’t have enough coverage to pay for damages. Uninsured covers if you are in an accident and the driver has no coverage.

Virginia State Law: How It Affects You

There are several laws that are important to remember when shopping for car insurance in Virginia. Car insurance rates are based on driving records, and if these laws are broken they can affect your auto insurance rate.

In Virginia a DUI is considered a BAC (blood alcohol concentration) of 0.08%. A BAC over 0.15% increases the penalty for DUI. Virginia has several cell phone/texting laws that prohibit drivers from using a cell phone while driving. Teen’s can drive with a permit at 15 years and 6 months. The state of Virginia uses a Graduated Driver Licensing system for teen drivers. Visit a local DMV (Department of Motor Vehicles) office to get more information about licensing your teen driver.

The state of Virginia wants to help drivers get reliable, and affordable car insurance. A quick search on the state of Virginia’s DMV site will connect you with valuable information on shopping for car insurance. A quick web search will connect you to the auto insurance companies in the state that you can get quotes from. The state of Virginia has also established the State Corporation Commission which provides guides, resources, and information on vehicle insurance companies. This is a good website to visit when preparing to shop for car insurance in Virginia.

Now that you are equipped with the information you need about car insurance, in Virginia, then chose at least three companies to get car quotes from, and begin shopping. With a little information and some time you can get the best car insurance rate in Virginia, and be on your way to safe driving.

Best Car Insurance Rates In Virginia

Virginia Insurance Requirements

Minimum insurance rates in Virginia require:

$25,000 bodily injury per person
$50,000 per accident
$20,000 property damage

The state of Virginia allows drivers to pay a $500 Uninsured Motor Vehicle fee if they want to drive without insurance, and at their own risk. This fee has to be renewed when the car registration expires. Drivers that do not carry auto insurance, or pay the state fee can have their driver’s license suspended, be required to fill out a SR-22, or financial responsibility insurance certificate, and pay a reinstatement fee.

Virginia requires that car insurance policies include:

Bodily Injury and Property Damage Liability: this covers the driver if they are responsible for causing injury or damage to another person or property. Under insured/uninsured Coverage: Under insured pays if you are involved in an accident and the other driver doesn’t have enough coverage to pay for damages. Uninsured covers if you are in an accident and the driver has no coverage.

Virginia State Law: How It Affects You

There are several laws that are important to remember when shopping for car insurance in Virginia. Car insurance rates are based on driving records, and if these laws are broken they can affect your auto insurance rate.

In Virginia a DUI is considered a BAC (blood alcohol concentration) of 0.08%. A BAC over 0.15% increases the penalty for DUI. Virginia has several cell phone/texting laws that prohibit drivers from using a cell phone while driving. Teen’s can drive with a permit at 15 years and 6 months. The state of Virginia uses a Graduated Driver Licensing system for teen drivers. Visit a local DMV (Department of Motor Vehicles) office to get more information about licensing your teen driver.

The state of Virginia wants to help drivers get reliable, and affordable car insurance. A quick search on the state of Virginia’s DMV site will connect you with valuable information on shopping for car insurance. A quick web search will connect you to the auto insurance companies in the state that you can get quotes from. The state of Virginia has also established the State Corporation Commission which provides guides, resources, and information on vehicle insurance companies. This is a good website to visit when preparing to shop for car insurance in Virginia.

Now that you are equipped with the information you need about car insurance, in Virginia, then chose at least three companies to get car quotes from, and begin shopping. With a little information and some time you can get the best car insurance rate in Virginia, and be on your way to safe driving.

Are You Paying Too Much For Car Insurance?

Everyone loves the little green talking animal that promises his company will reduce your Virginia auto insurance rates. Even the commercials that compared shopping for car insurance to shopping at Wal-Mart are popular and entertaining. The truth is you can lower your auto insurance rates, even if you don’t want to switch to the little green animal or the perky store clerk. Most insurance companies offer discounts or some kind. And in today’s economy, you need to save money every way you can. If you are not getting some of these auto insurance discounts, ask your Virginia insurance agent.

Are you a safe driver that obeys the law? You can lower your Virginia auto insurance rates by up to 10 percent with a safe driver discount. You should have had a clean driving record for three to five years.
Are you older? Drivers over 50 may be eligible for discounts.
Are you always on the lookout for reckless drivers? Did you take a defensive driving course? You may be eligible for a discount if you can show proof of the course.
Every parent dreads the day his or her child will be old enough to take the wheel. After safety, auto insurance rates are the biggest concern. However students who have good grades may be eligible for a discount. Lower your auto insurance rates more if that student has taken a driver’s education course.
Do you have any special features on your car? Some of them could amount to big savings with your car insurance. These include anti-lock brakes, daytime running lights, air bags and an anti-theft device.
Do you work a few miles from home and rarely take trips? You should be able to lower your auto insurance rates.

The best way to save on auto insurance is to find a reputable Virginia agent that offer superb customer service. If your agent is one of the best, you probably know about these discounts and more. In addition, you are probably getting other discounts including:

A discount if you have more than one car on the policy.
Hopefully you have taken advantage of the substantial savings offered by having all of your polices (home, life, boat, etc…) with one company and one Virginia insurance agent.

You don’t have to shop around to lower your auto insurance rates. Simply find out if you qualify for some of these discounts and you will be able to save money immediately.

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