We specialize in allowing consumers to compare rates for Central Virginia auto insurance policies. To get started you just need to type in your zip code in the box above and you will be instantly connected to the best discount insurers in your area. We work with all the big names like State Farm, Nationwide, and Geico, but we also work with smaller insurance companies that can provide you with great coverage and great rates.
If you are buying Central Virginia auto insurance you will be subject to several state requirements. Your insurer must be authorized to conduct business in Virginia. Using our service this is never a problem because you are only connected to carriers that do business in your area.
The state has the following minimum coverage requirements:
- Bodily injury/death of one person $25,000
- Bodily injury/death of two or more persons $50,000
- Property damage $20,000
You also have the option of paying the Uninsured Motor Vehicle fee of $500 which allows you to drive an uninsured car at your risk. However, this does not provide any insurance coverage, so this option is not recommended for Central Virginia residents.
If you don’t have insurance or have not paid the Uninsured fee, you could have your drivers license and registration suspended. Under these circumstances, to start driving again you would have to pay a $500 fine, file a Financial Responsibility Insurance Certificate, known as an SR-22, with the state DMV for three years, and pay a reinstatement fee. The state DMV operates an insurance verification program, so it is easy for the authorities to know when your coverage has dropped. For more information on this, visit the Virginia DMV.
The state of Virginia uses a Tort system which means that the person who caused the accident is responsible for paying for all the damaged. This system varies from state to state, with some states opting for a no-fault system whereby it does not matter who caused the crash.
Over the last few years, the average insurance rate paid by state residents has increased steadily. The average auto insurance premium for state residents is $1,488 in 2009. In comparison, the national average is $1,794. Average premiums have increased 13% from 2008 to 2009, so there has never been a better time to find a lower cost policy.
To find the best rates on Central Virginia auto insurance, you need to shop around. There are dozens of carriers vying for your business in the state, so it really does pay to shop around. To start saving money on your car insurance just type in your zip above and in minutes you will be comparing rates from multiple insurers. Our service is free and there is no obligation, so get started now.