You’re driving your new car when suddenly you jerk forward and hear a loud crunch. You’ve been rear-ended. The last thing you want to worry about in an accident is your coverage. Here are a few things to look for when choosing car insurance in Virginia to make sure you are protected in case of an accident.
First, consider your state’s requirements since each state has different standards. In most cases, you need liability coverage which pays for damages to someone else’s property if you are the one responsible for the accident. You may choose additional coverage to protect you if someone else is at fault.
When determining how much insurance you should get beyond minimum state requirements, consider your car’s value. If you have a new car, or a vintage or antique vehicle, that would be expensive to repair or replace, you may want to get uninsured motorist insurance to make sure you aren’t on the hook for expenses in an accident. Finally, consider comprehensive coverage to provide protection against theft or non-collision damages.
Once you’ve determined your coverage, you’ll need to select the insurance provider. Compare rates for each company, and check whether or not you qualify for discounts for good driving record or grades.
Finding car insurance in Virginia doesn’t have to be difficult. By meeting state minimum requirements, selecting additional coverage based on the condition of your car, and comparing prices, you’ll be able to drive with the confidence that you are protected in the event of an accident.