Virginia Car Insurance


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Comprehensive Auto Insurance

What many people refer to as comprehensive auto insurance is actually just insurance to protect from non-collision and seemingly random sources of damage like vandalism, volcanic eruption, and civil unrest.

this is better expressed: If you're buying a comprehensive auto insurance policy in Virginia, 'civil unrest' is a great peril to have listed on your coverage if you live near a major metropolitan city like Virginia Beach, Norfolk, Roanoke, or Richmond, but if you live way out in the boonies, it makes much more sense to buy hail protection (since you may not have a car port). Also be sure to pick a reputable company that will make your life easier if you are ever in a serious accident. With SkyBlue Insurance Agency's network of Virginia auto insurance providers, and the access and reliability of the 'Virginia-CarInsurance' website, our customers can harness the power of the internet to choose affordable Virginia car insurance without sacrificing sympathetic and understanding customer service.

It is true that with comprehensive insurance coverage for your auto, you can get protected from almost any type of damage, but there are no such policies to protect you from ALL types of damage as the word 'comprehensive' would imply. As a matter of fact, the protections purchased as parts of comprehensive coverage are very restrictive and specific. This means that buying fire protection will not protect you from an intentional act of vandalism like someone burning your car with a lighter.  

for all these reasons and more we here layout for you some information and resources on comprehensive Virginia auto insurance.


Basic Comprehensive

There are several protections that are usually included when you purchase comprehensive or non-collision physical damage auto insurance. These protections are offered to protect your property from damage, and protect your livelihood in the even that your vehicle needs to be replaced. Some of those common comprehensive auto insurance coverage options  are as follows.


this protects your car and your wallet from acts of vandalism. Chances are you must pay to repair the damages yourself out of the deductible, and be reimbursed by your insurance company for qualified expenses.


This includes all types of wind damage including tornadoes, hurricanes, and all other manner of tumultuous wind behavior that could inflict damage on a vehicle due to flying pebbles debris and other specific circumstances.

Falling Object:

Just as it sounds, this option protects the driver from paying damages associated with destruction of their property by falling objects. It considers both construction debris and natural debris in the same category.

Glass Breakage:

Surprisingly, purchasing comprehensive car insurance coverage doesn't always protect the most delicate part of your vehicle, the glass. This type of coverage option is very important if you drive a sports car or any vehicle with pieces of glass on it that are costly to replace.

Animal Collision:

different than standard collision auto insurance, this coverage protects your vehicle and wallet from damages incurred as a result of your vehicle striking an animal or vice-versa.

Volcanic Eruption:

You may not think this is necessary, but if you live in Hawaii, you might want to purchase some coverage that protects against molten rock destroying your vehicle.

Civil Unrest:

an important piece of comprehensive auto insurance coverage in the urban environment, this option protects your car from damages resulting from a riot or other gathering and action as a part of civil unrest.


Fire and Theft:

These two pieces of auto insurance coverage are separated from the basic perils, risks , or dangers commonly included in comprehensive coverage automatically. They must be purchased separately because they are responsible for the most commonly claimed non-collision damage incidents.

That means that fire and theft coverage need to be included on top of a comprehensive auto insurance policy if you want your stolen car to be replaced by the insurance agency for only the cost of your deductible.

Fire and theft protection can cost considerably more than the other more minor protection options available  on comprehensive auto insurance policies.

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