It's important to maintain a clean driving record. If you've been driving safely for at least 5 years, you could be eligible for the safe driver discount. In Virginia, auto insurance companies may consider factors such as employment, residence and marital status when setting premiums. You can get discounts on auto insurance in Virginia depending on how you drive, the car you own, and your relationship with your insurance company.
When you have Nationwide as your insurance provider, you can combine your auto insurance policy with your home insurance policy, for renters, for boats and for multiple vehicles. There are several unique reasons why car insurance is also increasing every year in Virginia, even if your details remain the same. You can also demonstrate your financial responsibility by maintaining minimal car insurance with no gaps in coverage. Another important Virginia auto insurance law to consider is the registration grace period for new residents.
For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 20% more than the average premium in Virginia. Bodily injury liability insurance and property damage liability insurance cover injuries or damage that you accidentally cause with your car. If you have an accident while driving without insurance in Virginia, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive.
By maintaining a good driving record, increasing your deductibles, looking for insurance and taking advantage of discounts, you may be able to save money on your car insurance premiums. The first thing to understand is that car insurance rates in Virginia are influenced by several factors, and this can make it difficult to predict if your car insurance rates will ever get cheaper. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers. Penalties for uninsured driving in Virginia include fines, license and registration suspension, high-risk insurance requirements, and increased monitoring for three years.
While it can be difficult to predict if your car insurance rates will ever go down, there are steps you can take to try to lower your premiums. In Virginia, drivers with just two speeding tickets pay an average of 42% more on their annual car insurance premiums, for example.