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Virginia Car Insurance

Here's what you need to know...
  • You must understand the full responsibility that comes with buying a car
  • Know what the Virginia laws are regarding car insurance coverage
  • The minimum requirements may not be enough to cover your assets
How do you find the appropriate Virginia car insurance policy? Buying a car is an exciting decision, but it also carries with it a lot of responsibility.

For instance, you not only have to figure out how you’re going to pay for it, where you’re going to store it, but you also have to make sure that you’re familiar with your state’s requirements for insuring it so that you can drive it legally on the roads and highways.

Read on to learn all about Virginia auto insurance coverage and then enter in a zip code above to start comparing free Virginia car insurance quotes!

Finding the Best Virginia Car Insurance Rates

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If you live in Virginia and are thinking about purchasing a car, it’s important to keep several points in mind when choosing car insurance:

  1. All Virginia car insurance companies are not created equal. A company that previously offered you a competitive policy might not be able to repeat this with your new car or address
  2. Discounts are available, but you have to ask for them. If you’re a safe driver, a homeowner, or a student with good grades, chances are you qualify for a better deal
  3. Knowing the Virginia state auto insurance requirements can help you to eliminate policies that are inadequate for what you actually need

Understanding Virginia Car Insurance Requirements

A binder labeled

It might surprise you to learn that the car insurance requirements for every state vary widely.

If you assume that the policy you have is going to cut it with a new car or new location, you might be in for an expensive surprise.

In Virginia, drivers are only required to carry uninsured motorist insurance coverage.

If you cause an accident, you will be required to pay for the damages and medical bills of the other person out of your pocket, although there will be some protection against total bankruptcy if the costs are astronomically high.

Protecting Your Assets in an Accident

man in front of car accident

If you don’t like the idea that a simple fender bender could cost you thousands of dollars in repair fees paid to the other driver, you might look into getting a minimum liability policy, which would at least pay for damages in an accident for which you are deemed responsible.

A good minimum liability policy should include:

  • $25,000 for medical expenses incurred by a single driver
  • $50,000 to cover medical expenses incurred by passengers of the vehicle
  • $10,000 to cover repairs that must be made to property damaged during the wreck, including public property and the victim’s vehicle

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Do You Need Additional Coverage?

It’s no secret that the costs of maintaining a vehicle have increased dramatically in the past few years, but when you add the additional cost of medical bills and car repairs if you get into an accident, the total price really starts to get out of control.

Evaluate your budget, and if you can afford more than Virginia minimum liability insurance, consider these insurance supplements that could be well worth the premium if you get into an accident:

  • Comprehensive coverage – takes care of damages caused to your car, even if you were deemed to be the cause of the accident. Coverage usually extends up to the Kelley Blue Book value of the car.
  • Gap insurance – a good choice for those that have a loan on their car that exceeds the Kelley Blue Book value. In the event that your car is totaled, this insurance will reimburse you for the difference.

Enter your zip code in now to start finding free Virginia auto insurance quotes!

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