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• Virginia Auto Insurance

Virginia Car Insurance Quotes & Rates | Ins Info & Tips

It’s Time To Find An Affordable Rate On Your Auto Insurance

Get informed about Virginia’s minimum mandatory liability insurance requirements. It’s important to compare car insurance company quotes before you purchase a new auto insurance policy, so we’ve provided a free online quote comparison engine to help you. Armed with the correct, up-to-date information, you will be able to compare Virginia auto insurance companies & services to see which one has the cheapest policy that meets the minimum state requirements and any additional coverage that you need. At AIP, learn everything you need to know about Virginia’s auto insurance laws and compare Virginia auto insurance company quotes here.

Virginia auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Why is Uninsured Motorist Coverage Required in Virginia?

Did you know that according to the Insurance Research Council, approx. 15-17% of all drivers on the road in the US are uninsured? That poses a lot of risk to all drivers! It is illegal to be uninsured, but many people still drive uninsured vehicles on the road, despite severe fines and penalties. It poses a terrible risk for themselves and everyone else.

Uninsured motorist coverage is the only real protection a law-abiding citizen can take in case they are in an accident with an uninsured driver.This coverage will protect the driver who is not at fault in an accident by paying for injury and damages that would have otherwise been covered by the uninsured driver.

Many US states do not require this, but Virginia does require uninsured motorist coverage.

Common Types of Auto Insurance Coverage:

Collision:

Collision insurance provides coverage for physical damage to your car. It generally includes a
deductible, which is the amount of money you pay out of pocket toward covering the loss.
Ask about the savings you might realize with a higher deductible. It can sometimes make
a significant difference in the cost of your premium, especially with newer vehicles. Your
collision premiums are based on the make, model and year of your car. Consider the fair
market value of your car vs. the cost of collision coverage. If your vehicle is financed, the
lien holder may require you to maintain full coverage.

Other Than Collision (also know as Comprehensive):

Other than collision (comprehensive) insurance covers damage resulting
from something other than colliding with another vehicle. There is a deductible.

The following specified causes of damage are covered under this category:

• Glass breakage
• Fire, Wind, Vandalism, Theft, Hail, Water or Flood
• Missiles or falling objects
• Riot or civil commotion
• Contact with bird or animal (includes collision with deer or moose)
• Explosion or earthquake

Medical Payments

Medical coverage insures drivers and their passengers for medical expenses
resulting from an auto accident. There is no deductible. This part of your policy covers
you regardless of whether the driver or injured person was at fault. Also covered are
members of the insured person’s household under the following circumstances:

• While they are passengers in other people’s cars
• When using public transportation
• If they are struck as a pedestrian by another vehicle

Towing and Labor

Towing & labor coverage pays the cost of towing or starting your car, subject to the
conditions of your policy.