From auto insurance guide
Auto insurance. Virginia.
Virginia has a competitive rating law. This means that different
companies will be charging different prices for auto insurance.
Choosing your insurance company is like choosing your favorite
brands of other products. Price is important, but it should not be the
only thing you think about. Before buying your insurance, you
should consider contacting a number of insurance agents or
companies to find the best combination of quality and price for your
3. Ask whether a company sells a Family Auto Policy, a Personal Auto Policy, or a Special Package Auto Policy. Discuss the differences in the coverage among the three different policies with your agent.
4. Ask your agent if he charges any additional fees over and above his commission. Agents are allowed to charge fees for services, such as photocopying, mailing and faxes, as long as the applicant or policyholder consents in writing before the services are performed. A schedule of fees must be kept in the agent's office. If you think your agent is charging too much, check with other agents to find out if they charge additional fees.
5. Ask if a company charges a membership fee when a policy is issued or renewed. Some companies have additional charges not included in the annual premium amount that can significantly increase the amount you will have to pay.
6. Do your shopping as far in advance as possible. This will give you time to consider more companies and it will prevent a hasty decision. Remember, policyholders who change companies at times other than the renewal date of a policy are charged for the administrative costs of canceling the policy.
7. If you have been turned down by one insurance company because you had an auto accident or traffic violation, try other companies. Do not assume that you will be turned down by all companies. Just as companies have different premiums, they also have different underwriting standards. Keep trying. If several companies with low premiums turn you down, try some companies that have higher premiums.
8. If all else fails and you are unable to obtain auto insurance, any licensed agent can obtain insurance for you through the Virginia Automobile Insurance Plan. The Plan should be a last resort because the premiums are often higher than those of private companies.
Information for Seniors
Virginia law requires insurance companies to give a reduction in premiums to persons 55 years of age and older if they have successfully completed a motor vehicle accident prevention course approved by the Department of Motor Vehicles. Each insurer must determine the appropriate reduction. The qualification for reduced premiums is good for three years following the completion of the accident prevention course. Insurance companies are also permitted to make an appropriate reduction in premiums based solely on age to an insured person over the age of 55.
If you are a senior citizen be sure to ask how much of a discount you are entitled to receive.
Information from the National Highway Traffic Safety Administration (NHTSA)
Teen drivers have the highest crash risk of any age group. Per mile traveled, teen drivers have the highest involvement rates in all types of crashes, from those involving only property damage to those that are fatal.
Due to the innate fact that teen drivers lack experience driving a car, mistakes will be made. After all, that is the nature of learning a new skill. However, the ramifications of a mistake behind the wheel of a 3,000 lb. vehicle are far more drastic than most other decisions you make on a daily basis.
The NHTSA has gathered information on teen drivers nationally and has noted that:
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