Factors That Affect Virginia Car Insurance Quotes Online and Offline
Virginia is considered a “tort” state when it comes to automobile accidents. What this means is that if there is a car accident, police are called to investigate the accident. At this time, they write their assessment of what happened. This information is used to determine who is at fault in the accident. There must be one person who is found at fault in the accident in a tort state. The person who is found at fault is the person who is responsible for paying for the damages caused during the accident.
This principle is the foundation of how car insurance in Virginia works. Having a clean drive record is going to help you significantly, particularly a record that doesn’t have car accidents and moving traffic violation convictions. By avoiding these two factors alone, you can significantly increase your chances of scoring cheap car insurance in Virginia. Avoiding these factors means you are less likely to be found at fault in a car accident. This makes you a lower risk to Virginia car insurance companies.
The state of Virginia has a minimum liability law that requires a certain amount of car liability insurance in order to be able to drive an automobile in the state. All car owners are required to have at least $25,000 worth of liability insurance for an accident involving one person. An accident involving two or more people requires $50,000. It also requires insurance to cover damages of $20,000. When researching Virginia car insurance quotes online, this is the minimum amount of insurance that you have to have.
As an alternative, the state of Virginia also offers the option of paying an uninsured motor vehicle fee. This fee is in the amount of $500 and is due annually to the Virginia Department of Motor Vehicles. By paying this fee, the state of Virginia allows you to drive a car without having any insurance. Keep in mind, this fee doesn’t provide you with insurance of any kind. By paying this fee, you accept full liability for anything that happens while you are driving. If you get into a car accident and you are found to be at fault, you will be responsible and have no insurance to help you out.
If you are looking for cheap car insurance in Virginia, purchasing only liability insurance of the minimum amounts will get you the cheapest rate. However, the amount of insurance isn’t the only factor that determines your rates. There are many other factors as well. Once you identify all of the factors, you also want to see what factors you can control or influence. Many of the factors that affect your Virginia car insurance premium require very small investments of money and/or time. Those investments pay off huge in the long run in the form of a much lower price for car insurance in Virginia.