Finding Cheap Car Insurance Rates in Virginia
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Ron Trumbo
Car Insurance Editor |
Although a it may seem like a "necessary evil" car insurance is a great thing when you consider how much it really protects you. Simply trying to find the absolute cheapest policy is not recommended. Virginia drivers need to determine their unique car insurance needs, including, how far you commute in Virginia, whether you own a beautiful Virginian home, what kind of car you drive, and how financially secure you are.
Here the "necessary" part though: To get license plates or car registration decals in Virginia, you must certify that your car or truck is covered by the Virginia's minimum auto insurance levels or pay Virginia's uninsured motor vehicle fee. Virginia requires 25/50/20: Bodily injury/death of one person $25,000; Bodily injury/death of two or more persons $50,000; and Property damage $20,000.
Virginia Department of Motor Vehicles Insurance Verification Program
As part of its role of enforcing Virginia's motor vehicle laws, the Virginia DMV monitors auto liability insurance for cars and trucks registered in the state. Protecting Virginia's motorists, the Virginia DMV administers an Insurance Verification Program which identifies vehicle owners who are not in compliance with Virginia's minimum insurance requirements. Working with the insurance industry, the Virginia DMV participates in the Electronic Motor Vehicle Liability Insurance Reporting process. Under this process, all insurance companies authorized or licensed to do business in Virginia furnish liability insurance information to DMV when they issue and cancel liability insurance for vehicles registered in Virginia. |
DUI's in Virginia: Paying a Painful Price
If you are pulled over and arrested and convicted of driving under the influence in Virginia, you can expect your driver’s license to be revoked for a year and a hefty fine. A second DUI in Virginia will landing your will jail time up to a year and your license being revoked for up to three years. If at the time of arrest your BAC is 0.15% or higher, you're looking at 5 days in jail. Virginia's DUI BAC limit is 0.08%. How Getting a DUI Affects Your Car Insurance Rates
When you're looking to save on you home insurance in Virginia, it's critical to have enough home insurance coverage to take care of any costs of rebuilding at current construction costs. Keep in mind, the cost of replacing your Virginia home could be less than the price you paid for it, or could sell it for today.
Offered in every state, umbrella insurance is extended liability insurance coverage that goes beyond the protection provided by your Virginia car insurance company and Virginia home insurance policy. You may find Virginia insurance agents offering umbrella insurance to you as a supplement to your homeowners policies and sometimes auto insurance. Umbrella insurance policy costs generally run $75 to $100 per month for $1,000,000 in extended liability coverage.
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