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Auto Insurance Information
Virginia Car Insurance
InsurePro, LLC is the expert agency that can help you get a quality auto insurance policy, no matter what benefits you might need. We know what coverage Virginians both need and have to have in order to receive optimized protection. We also can optimize protection in Kingsport, Harrogate, and Bristol, TN as well as Middlesboro, KY.
With us, it’s easy to get car insurance. All you have to do is call (800) 697-8109 or get an instant quote online.
Common Auto Insurance Questions
Am I Required To Buy Car Insurance?
Driving is dangerous. That’s why we have seat belt laws, speed limits and countless other driving rules.
In Virginia, another important rule is that a driver must have proof of financial responsibility, namely auto insurance. Therefore, you must buy a policy, and it will have to contain at least the following limits:
- Bodily Injury Liability Coverage: $30,000 per person/$60,000 per accident
- Property Damage Liability Coverage: $20,000 per accident
When an accident is deemed your fault, liability insurance pays for the losses of others who were not riding in your vehicle with you. Because Virginia is an at-fault insurance state, you are obligated to pay for these third-party losses, and the liability insurance requirement guarantees that you have the ability to do so.
While state law does allow you to pay a $500 uninsured motorist fee if you want to skip the insurance requirement, you do not free yourself from liability by driving without coverage. Instead, if you drive uninsured, that just means you agree to pay for harm done to others out of your own pocket. It’s in your best interest to always carry auto insurance, both for the cost benefits and the reduced liabilities.
But don’t just stop with the minimum liability insurance and think that’s enough coverage to keep you safe. Instead, consider expanding your coverage with a multitude of other practical benefits.
How Much Auto Insurance Do I Need?
There are millions of drivers in Virginia, and no two are identical. That’s why the best auto insurance policy is one that will offer you customized protection for numerous potential loss scenarios.
Auto policies are easily adaptable, which is why we encourage all our clients to work one-on-one with us to determine how best to tailor a policy to their needs. Just a few of the benefits we can help you add to your policy include:
- Higher liability coverage limits to offer you more assistance with at-fault accident costs.
- Collision insurance to cover your own vehicle damage following a car wreck.
- Comprehensive insurance to pay for vehicle damage that results from a non-accident hazard such as a vehicle fire, falling objects, severe weather damage, theft or vandalism.
- Uninsured/Underinsured motorist benefits that will pay for you own damage when an accident is another driver’s fault, but they lack the liability insurance to compensate you for your losses.
- Medical payments insurance that will help you pay for your own medical bills following a wreck.
Our priority is to help you choose the coverage limits, deductibles and specialty endorsements to create well-rounded coverage that always offers you optimized protection. With all the benefits a policy can provide, you can easily inure yourself, your family and all the vehicles in your household.
How Are Auto Insurance Rates Determined?
Most people wonder how much their car insurance is going to cost. Since you must be able to afford your coverage in order to maintain it, then it is certainly understandable why you might want to keep a close eye on your premiums.
Multiple factors can influence the cost of your policy — such as the value of your car, your chosen policy limits, where you live, how much you drive, your age and even your credit score. However, policies can also offer numerous discounts, vanishing deductibles, accident forgiveness and multiple other benefits to help you control costs. Our agents will compare all your policy options to determine which ones are in your best interests to carry.
How Common Are Car Accidents In Virginia?
Since 2015, there have been at least 125,000 vehicle accidents per year in Virginia. That’s an average of more than 340 per day, and the estimated cost to the average driver is more than $3,500. One of the best ways to protect yourself from the costs of these accidents is to carry adequate car insurance.
Because of the ramifications that even minor car accidents might cause, car insurance is an essential piece of protection that you should never go without.
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