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Shopping for Auto Insurance in Virginia
Did you know the average car insurance premium in Virginia is $657.37? Are you looking for ways to save money on your Virginia auto insurance policy? You should check out InsuranceFinder.com. It’s the fastest way to get multiple car insurance quotes from licensed insurance agents in Virginia. With only one form and about five minutes you could save hundreds are your car insurance policy.

Are you paying too much for insurance?
Still can’t find car insurance in VA? If you cannot find a Virginia car insurance company that will write you an auto insurance policy, you can purchase car insurance through the Virginia Automobile Insurance Plan. You can apply through any licensed Virginia car insurance agent. Remember though, just because one car insurance company won’t write you a policy doesn’t mean that all automobile insurance companies in Virginia won’t write you a policy, it always pays to shop around. Go to InsuranceFinder today to see how much you could save on car insurance in VA.

Virginia Automobile Insurance Requirements:
Insurance for your vehicle is mandatory in Virginia but paying high rates for your car insurance is not. It pays to shop for car insurance. Being recognized for financial responsibility in Virginia falls under three options:

An auto insurance policy that provides the minimum of 25/50/20
Uninsured Motorist Fee – you will pay the DMV a $500 fee, but this is not a form of insurance, it allows you to drive an uninsured vehicle at your own risk.
Self-insurance or Surety Bonds – special options for owners of business vehicles

However, options 2 and 3 really don’t provide any protection for you, which is why you would want to purchase an auto insurance policy that meets the minimum requirements of Virginia’s financial responsibility law. Your car insurance policy must contain three major parts:

Liability insurance for bodily injury
Liability insurance for property damage
Uninsured/Underinsured motorist coverage.

The minimum that you can purchase is the 25/50/20: $25,000 per person in an accident, $50,000 if more than one person is injured, and $20,000 for property damage per accident. The property damage coverage is subject to a $200 deductible if there is a loss as a result of a hit-and-run driver that can’t be identified.

The Virginia Automobile Insurance Plan:
Optional coverage is available that you can add to your auto insurance policy in Virginia includes:

Collision and Comprehensive Coverage
Medical Expense and Loss of Income Benefits Coverage
Rental Reimbursement Coverage
Loss of Use Coverage

Several car insurance companies in Virginia have a “Safe Driver Plan,” which can qualify you
for a lower premium if you or anyone in your family have had no “at-fault” accidents or tickets. Your household’s driving record can affect your auto insurance rates. By law, your car insurance company cannot increase your car insurance rates for an accident that was not completely your fault. In Virginia, auto insurance companies can use your credit as a factor in determining your auto insurance rates, however, car insurance companies in Virginia cannot non-renew your policy on the sole basis of your credit.

If you’re 55 years of older, you can get a reduction in your auto insurance rates in Virginia upon completion of a motor vehicle accident prevention course that has been approved by the DMV; the reduction on your auto insurance is good for three years.
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