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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