Insurance In Your State

The state motto of Virginia is an old one, one of the oldest and most central to our country: Sic Semper Tyrannis, or "thus always to tyrants." You can fight the tyranny of high auto insurance rates and insurance monopolies in the way people have fought oppression since the beginning of civilization: through education and self-improvement.

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There are plenty of ways out there for the frugal citizen of Virginia to save money, but not so many when it comes to car insurance. That's not to say, however, that there are no ways to save money on car insurance. There is at least one: InsuranceAuto.org. You can save a lot of money simply by comparing companies and choosing the best coverage plan for the price you want to pay - not what they want you to pay. InsuranceAuto.org offers you an education about the industry, a way to compare rates, and a method to buy insurance quickly, easily, and with a minimum of hassle. You can use InsuranceAuto.org today to get a free quote for your area.

Data from the Insurance Information Institute suggests that residents of Virginia spent an average of around $698 on insurance premiums in 2005. This represents a 0.6% decrease from 2004, when residents were paying $702 on average. Leading up to 2005, Virginia residents had been experiencing yearly increases as high as 6.69% in some instances. In general, 2005 was the year when a majority of customers across the nation began to see their premiums decline. InsuranceAuto.org and other similar sites have had a huge role to play in sensitizing people about the advantage of technology in comparing rates before buying insurance.

There are a few aspects of the insurance industry which are unique to Virginia specifically. For instance, Virginia uses something called a "tort system" in its insurance claims. That means that in an accident, someone has to be at fault, and that person is responsible for the damages done. Details vary from place to place, so check with your State Insurance Regulator for specifics. See our State Insurance Regulator page for a list of links to regulator websites.

According to Virginia law, there must be a minimum bodily injury liability coverage of $25,000 per person, up to a maximum of $50,000 per accident. In Virginia, property liability coverage has a minimum of $20,000. This basic coverage plan is often referred to in the industry as the 25/50/20 plan.

If you get Personal Injury Protection (PIP) with your coverage, your insurance can help you pay for medical expenses for you or your passengers deemed "reasonable and necessary" in the event of an accident. While PIP coverage is not mandatory in Virginia, many buyers choose this option anyway.

Unfortunately, you need to protect yourself against the many uninsured drivers out on the road as well as the insured ones. Virginia law requires a minimum uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. This will cover any accident or injury caused by an uninsured driver.

No matter what kind of driver you are and what kind of car you drive, the best way to find the best options is and has been InsuranceAuto.org. We teach you about the industry, about your location, and show you exactly how to get the best plan for your money. So, if you want to save on car insurance, check us out today by entering your zip code in the box above or clicking on your state below if you don't live in Virginia.