Virginia Car Insurance Quotes

Whether your vehicle is being used or not, if it is registered, you must have liability insurance in the state of Virginia.  The minimum requirements in Virginia are $25,000  for one person and up to $50,000 per accident in bodily injury liability insurance, $20,000 in property damage liability insurance as well as maintain uninsured motorist coverage.  If you drive without this insurance, you could be charged a fee of $500 plus reinstatement fees, have your drivers license or registration suspended and you may have to file a financial responsibility insurance certificate called an SR-22, for a period of three years.
The amount of insurance that you will pay each year is dependent mostly on the following factors.  Some things you cannot change that affect your premium amount is your age, your gender and your marital status.  Virginia car insurance companies believe that those under the age of 21 and over the age of 65 are at higher risk of having an accident.  Men will pay more than women as statistically they are involved in more accidents and moving violations than women.  As well, their research supports that those who are married are involved in fewer accidents and do not speed or drink and drive as much.  Your location, type of car and credit rating are also factors that affect your Virginia auto insurance premium.  Where you live is looked at when determining your premiums as your area may be at risk for vehicle related crimes, from stolen cars to vandalism, as well, if you drive through busy streets and congested areas that are at a higher risk of accidents.   The make and model of your vehicle is a key factor as well taking into consideration the cost to repair, the modifications and condition of your vehicle.  Your credit rating is also used to determine your premium amount, if your credit scores were really bad, you could even be refused insurance.  A key factor in your Virginia auto insurance premium will be your driving history, any DUI, accidents or a speeding tickets will stay on your record for five years and significantly increase your premiums.  To reduce your premiums, adding safety or theft protection devices can give you a discount as well as insuring multiple vehicles and your home at the same insurance company.