What Dictates A Virginia Car Insurance Quote?

Answer 1

One of the major problems for car insurance shoppers today is that they not understand the insurance game. They do not rightly recognize the things that alter their policies and rates. If you are going to be an effective shopper for Virginia car insurance, you have to have a firm grasp of these things from the beginning. So what has an effect on Virginia rates? There are lots of different factors. Many of these are things that you can control. Others are things that you are probably going to be stuck with unless you are willing to make a major life change.

Where do you live in Virginia?

One of the biggest things that will alter your insurance rates in Virginia is your location. Do you live in Northern Virginia near Washington? Do you live in the Roanoke or Virginia Beach area? Are you in Richmond? If you are in these areas, then your car insurance rates will be higher. Virginia also has many areas that are much more rural. If you happen to be in one of those areas, you will be fine. The rates for rural Virginia are significantly lower than what you will pay if you live in or around a city.

What is on your driving record?

The department of motor vehicles in your state probably keeps tickets on your record for two years. Insurance goes a little bit farther than that. They will keep things on your record for a period of three years. This means that the speeding tickets and wrecks that you have will hurt your rates for a rolling three year period. One speeding ticket will typically have very little effect on your rates. When you get two, the rates will skyrocket. You also want to avoid wrecks that have any substantial damage. A DUI is the biggest killer to your hopes of getting cheap insurance.

What is your car like?

If should be obvious that an expensive car will demand more expensive insurance coverage. It is not just limited to the car price. Cars with rarer parts will be more expensive to insure. Cars with more horsepower will be more expensive to insure. These are the little things that you have to think about. Choosing a car that is more likely to get stolen will bring your rates up a significant amount.