Virginia law requires a 25/50/20 liability insurance policy. The figures reference the amounts that must be carried on bodily injury, total accident coverage, and property damage coverages. The deductibles may vary. However, Virginia is also a Tort state. This means that someone will be found at fault of any accident and held responsible for all damages. If you live in this state, it may be wise when looking for cheap car insurance in Virginia to research a bigger coverage plan. If you are responsible for an accident and your insurance does not cover all of the damages, you can be held personally reliable for damages.
It is also the law to keep a valid proof of insurance in your vehicle at all times. You must show this when asked. Failure to do so can result in fines, fees, and other costly measures. Don’t take chances!
You are also required in Virginia to maintain some type of uninsured motorist coverage. This covers your injury or property to some extent if the other party is uninsured. There are some rumors that you can pay 500.00 to the state of Virginia and not have to carry insurance. While this plan may sound cheap, it is not a wise decision. Remember this is a tort state and having no insurance may be cheaper when everything runs smoothly, one mishap in a parking lot or on a street can cost your entire savings account!
Insurance rates fluctuate a great deal in Virginia. Never assume that one company’s quote will be similar to their neighbor. Always call each company and get an individual quote or use an online service that will provide you with a half dozen estimates.
In order to qualify for cheap car insurance in Virginia you can consider upgrading some features on your car. Safety belts, airbags, theft devices, and other similar items may be inexpensive to have installed and can make a huge difference in your price quote. Another way to lower your insurance premiums is by maintain a clean driving history. Consider purchasing multiple insurances through the same company for a multiple policy discount. Look at how far you drive each day, the less you drive the less your insurance may cost. And before you buy a new car, have insurance estimates ready for the item.
