Car Insurance Quotes Virginia Beach
Car Insurance Quotes Virginia Beach
In Virginia Beach, getting car insurance isn’t just about meeting the law—it’s about protecting your wallet and your peace of mind. Whether you’re cruising down Atlantic Avenue, heading to work on I-264, or planning a weekend trip to First Landing State Park, the right policy keeps you covered if something unexpected happens. Prices there can change a lot depending on your driving history, the car you drive, how much coverage you want, and even your ZIP code.
Busy beach areas or traffic hotspots often cost more than quiet neighborhoods. A clean driving record usually means cheaper rates. By comparing quotes, you can find discounts, like for safe driving, bundling home and auto, or having safety features on your car, that help lower your cost without leaving you unprotected.
Price matters, but customer service does too. Local agents in Virginia Beach can explain your options, help with claims, and walk you through Virginia’s minimum requirements. They can also show you extra coverages, like theft, storms, or towing, that give you extra peace of mind. In the next sections, I’ll show you how to gather the right details, use online tools to compare quotes, and talk to insurers so you can pick the best policy for your needs. That way, you can enjoy Virginia Beach’s beautiful drives without worry.
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What kind of car insurance do you need? What are the types?
Below are the various types of coverages;
Medical payments:
- Pays for medical bills if you or your passengers get hurt in a car accident, no matter who’s at fault.
Personal injury protection:
- This is similar to medical payments but is used in states with no-fault insurance rules.
Liability insurance:
- This is the basic insurance most states require. It pays for damage or injuries you cause to others, but not for your car.
Gap insurance:
- If your car gets totaled but you still owe money on it, this pays the difference between what your insurance gives you and what you still owe.
Collision insurance:
- This covers damage to your car if you crash into another car, hit something, or have a single-car accident. If you’re paying off a car loan, you usually need this.
Uninsured/underinsured motorist:
- Protects you if someone without enough insurance—or no insurance at all—hits you.
Comprehensive insurance:
- This covers lots of things like theft, vandalism, or weather damage. It’s also often needed if you have a car loan.
Virginia Auto Insurance Requirements for Drivers
Before you register your car in Virginia, make sure you have auto insurance. If you don’t, you could face a $500 fine. It’s against the law to drive without at least the minimum required liability coverage.
- Bodily injury: $50,000 per person and $100,000 per accident
- Property damage: $25,000 per accident
- Uninsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured motorist property damage: $25,000 per accident with a $200 deductible for hit-and-run accidents
What if I don’t have car insurance?
Without insurance, if you’re in a crash, you’ll have to cover all the costs yourself — fixing your car and paying medical bills. If you caused the accident, you’ll also be responsible for the other person’s expenses. On top of that, driving without insurance can get you in trouble with the law, like getting fined, losing your license, or having your car taken away.
How to Compare Car Insurance Quotes
Follow these steps for a seamless car insurance comparison:
Gather your info
- Get details for everyone who drives in your home and each car you own.
- If you’re also looking at home or renters insurance, have your home info handy, too.
Pick your coverage
- Don’t just go with the online defaults.
- Think about how much liability, comprehensive, and collision coverage you want before you start.
Make fair comparisons
- When you’ve got a few quotes, double-check that they all use the same coverage levels and deductibles.
- Look at extra perks, like roadside help or accident forgiveness, too.
Research the insurers
- You don’t want an insurer that’s slow to pay or hard to reach after a claim.
- Check customer reviews and complaint records to pick a company that’ll be there for you.
Weigh bundling vs. separate policies
- Bundling car and home (or renters) insurance can save you money, but sometimes two different companies offer better deals.
- Compare both options to see which works best for you.
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Three Ways to Get Car Insurance Quotes
There are three main ways to shop for car insurance below;
Go straight to the insurer
- Call or visit each company’s website to get a quote. If you’re not sure where to start, look at lists of the best and cheapest insurers.
Use a comparison site
- Enter your details once, and the site shows you options from different insurers. You’ll probably still need to click through to each insurer’s site to lock in your final price.
Team up with an independent agent
- A local broker can take your info and shop around for you. This is great if your situation is a bit tricky, like having multiple cars, needing a home policy too, or dealing with a less-than-perfect driving history.
Shopping for car insurance in Virginia Beach? Don’t wait—compare rates, think about what you need, and grab any discounts you can. Get a free quote online in just a few minutes!
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