Virginia auto insurance quotes Virginia may be for lovers. But if you want to experience the joys of the Old Dominion State -- from the latest Smithsonian exhibit to the gorgeous hiking trails of the Blue Ridge Mountains -- you need to be a driver as well as a lover. The catch is, to operate an auto legally, you need solid Virginia auto insurance coverage. Sourcing Virginia auto insurance quotes can be a complicated affair, since the calculus involves literally dozens of variables. Your driving habits, DMV record, and credit history can all come into play. Whether you're an engineer based out of the Norfolk Naval Station or a pollster in Shenandoah Valley, consider the following critical info about average costs and minimum requirements.
Just the Laws and the Stats Virginia Auto Insurance Quotes
As of early 2010, Virginia drivers needed to carry bodily injury and property damage liability coverage as follows: $25,000 bodily injury (per person), $50,000 bodily injury (per accident), and $20,000 for property damage. You also needed both underinsured motorist (UIM) and uninsured motorist (UM) protection. Even though only 9% of Virginia auto insurance quotes drivers lacked insurance in 2007 (per the Insurance Research Council), getting UM/UIM protection makes sense -- and it's the law. Consider also getting coverage beyond the minimums outlined above to mitigate against catastrophic risks.
Virginians paid $661 on average for their auto insurance in 2007, according to the National Association of Insurance Commissioners -- $134 less than what the average US driver paid. Comprehensive cost $113, collision cost $253, and liability cost $382.
Selecting Sensible Virginia Auto Insurance Quotes
Your first thought when pricing policies might be "how can I pay the least amount of money for coverage?" It is good to think in terms of discounts -- and insurance companies offer them for dozens of reasons, including good grades, low mileage, better car security, and online bill paying. But you don't necessarily want the cheapest option. Instead, look for Virginia auto insurance quotes that are tailored to your specific needs and concerns. For instance, say you skimp on bodily injury coverage and then rear end a woman in a Fairfax parking lot and give her whiplash. You may have saved up front by skimping on coverage, but you will pay more over the long term because you failed to protect yourself from bodily injury liability.
Galvanizing Your Search Virginia Auto Insurance Quotes
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