Virginia Insurance Requirements
Minimum insurance rates in Virginia require:
$25,000 bodily injury per person
$50,000 per accident
$20,000 property damage
$50,000 per accident
$20,000 property damage
The state of Virginia allows drivers to pay a $500 Uninsured Motor Vehicle fee if they want to drive without insurance, and at their own risk. This fee has to be renewed when the car registration expires. Drivers that do not carry auto insurance, or pay the state fee can have their driver's license suspended, be required to fill out a SR-22, or financial responsibility insurance certificate, and pay a reinstatement fee.
Virginia requires that car insurance policies include:
Bodily Injury and Property Damage Liability: this covers the driver if they are responsible for causing injury or damage to another person or property. Under insured/uninsured Coverage: Under insured pays if you are involved in an accident and the other driver doesn't have enough coverage to pay for damages. Uninsured covers if you are in an accident and the driver has no coverage.
Virginia State Law: How It Affects You
There are several laws that are important to remember when shopping for car insurance in Virginia. Car insurance rates are based on driving records, and if these laws are broken they can affect your auto insurance rate.
In Virginia a DUI is considered a BAC (blood alcohol concentration) of 0.08%. A BAC over 0.15% increases the penalty for DUI. Virginia has several cell phone/texting laws that prohibit drivers from using a cell phone while driving. Teen's can drive with a permit at 15 years and 6 months. The state of Virginia uses a Graduated Driver Licensing system for teen drivers. Visit a local DMV (Department of Motor Vehicles) office to get more information about licensing your teen driver.
The state of Virginia wants to help drivers get reliable, and affordable car insurance. A quick search on the state of Virginia's DMV site will connect you with valuable information on shopping for car insurance. A quick web search will connect you to the auto insurance companies in the state that you can get quotes from. The state of Virginia has also established the State Corporation Commission which provides guides, resources, and information on vehicle insurance companies. This is a good website to visit when preparing to shop for car insurance in Virginia.
Now that you are equipped with the information you need about car insurance, in Virginia, then chose at least three companies to get car quotes from, and begin shopping. With a little information and some time you can get the best car insurance rate in Virginia, and be on your way to safe driving.
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