Virginia Auto Insurance

Posted by Harry Wagner

If you’re looking for cheap car insurance in Virginia, enter your zip code at the top of this page to compare car insurance quotes in VA.

When looking for cheap car insurance in VA, it’s important to ensure that a particular insurance policy meets the minimum insurance requirements for Virginia car insurance. In Virginia, a person must have Bodily Injury Liability insurance coverage of at least $25,000 for each person that is involved in an accident, and a person must have Bodily Injury Liability insurance coverage of at least $50,000 for multiple people that are involved in an accident.

In addition to the minimum requirements for Bodily Injury Liability insurance coverage in Virginia, a person must have Property Damage Liability, or “PDL”, insurance coverage that covers at least $20,000 in property damage if an accident occurs.

Having More Than The Minimum In Virginia

While it is only required to meet the minimum requirements for auto insurance coverage in Virginia, it is usually a good idea to have more than the minimum. Sometimes, accidents can lead to a lot of expenses afterwards, and minimum insurance coverage doesn’t always cover all of the expenses.

If a person only has Property Damage Liability insurance coverage of $20,000, a person may have to pay the rest out of pocket if a vehicle that is worth more than $20,000 is totaled. Many vehicles are worth more than $50,000, and if a vehicle that is worth more than this is totaled, a person that has minimum insurance coverage will likely have to pay over $30,000 out of pocket.

Auto Insurance Rates In Virginia

There are many different things that affect auto insurance rates in Virginia. A person’s driving history, the type of car that they drive, how many miles they are likely to drive throughout the year and the areas that they drive in are all factors which can significantly affect a person’s auto insurance rates.

Choosing The Deductibles When Insuring A Vehicle

When insuring a vehicle, it’s important to choose a deductible that is best for each vehicle and for each driver on the insurance policy. While lower deductibles for collision and comprehensive insurance will offer more financial protection if an accident occurs, they can drive the cost of a person’s insurance rates up. In contrast, having higher deductibles will likely provide lower insurance rates; however, they may not offer as much financial protection if an accident occurs.

Getting Virginia Auto Insurance Quotes

One of the most effective ways to find auto insurance in VA at an excellent price is to get an auto insurance quote. A free auto insurance quote allows a prospective customer to fully customize their insurance policy online, and after they have customized it and set their deductibles, they can see how exactly how much it would cost.

When getting auto insurance quotes, a person can compare insurance quotes from different companies in order to find the auto insurance policy that offers the best insurance coverage at the lowest prices in Virginia.