Liability | Collision | Comprehensive

Auto Insurance Options

Virginia Car insurance policies have never been easier to find or more affordable to purchase than they are on our site

Virginia Car insurance cheap rates
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We offer multiple free auto insurance and motorcycle insurance quotes to help our customers get rock bottom prices on their Virginia auto insurance. We can even go to bat for our customers if their auto insurance provider isn’t honoring the terms of their contract or giving them the run-around. Our licensed and informative SkyAgents® are here to help connect our customers to the lowest rates on Virginia auto insurance, without sacrificing their quality of coverage. 

In addition to our basic auto insurance options, you should also inquire about our commercial, powersport, and bundled auto insurance options. Each additional vehicle you cover through us earns you more savings and discounts when you bundle multiple vehicles onto a single Virginia auto insurance policy.

Let's Look Deeper into
Virginia Auto Insurance Options

Comprehensive Insurance

What many people refer to as comprehensive auto insurance is 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 carport). 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. 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

Several protections 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 if your vehicle needs to be replaced. Some of those common comprehensive auto insurance coverage options are as follows.

Vandalism:

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.

Windstorm:

This includes all types of wind damage including tornadoeshurricanes, and all other manners 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 the 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.

Collision Coverage

Collision auto insurance coverage pretty much does what it says to protect you from collision damagesCollision damages can result from either a crash with another vehicle or a stationary object. So if you want to be protected from the financial hardship of replacing your vehicle due to an accident, this coverage is essential.

Collision Costs

When it comes to selecting your Virginia auto insurance coverage options, this is likely to be the most expensive. 

Collision insurance coverage is expensive because car accidents are the most common type of insurance claim, so having collision coverage makes you much more likely to file claims. Like all other insurance coverage, the cost of your collision policy is based on risk. For this type of policy driving record has a great deal of bearing on your overall cost. 

If your auto insurance company finds out that you’ve had multiple traffic collisions (and they will find out), your monthly premium rate would have to be much higher than someone with a clean record for the auto insurance company to offset your risky driving under their coverage. One way to offset higher premiums is by raising your deductible.

Deductibles

An insurance deductible is a portion of the actual cost passed on to the consumer, which must be paid in full for insurance benefits to kick in.

In the case of collision auto insurance, this means that a $500 deductible is $500 that you must pay to fix your car after an accident, for the insurance company to cover the rest. 

Deductibles are put in place so that people paying insurance premiums don’t just feel like, “I don’t have to be careful, I have insurance.” If you have to pay 500 dollars every time you get into a serious accident, chances are it’s not something you would do every weekend.

The deductible, however, is your wiggle-room for adjusting your collision auto insurance coverage premium cost.

High Deductible

A high deductible means that you will have to pay a greater part of your repair costs in the event of an accident, but that your monthly premiums will be reduced. This is because the insurance company is willing to consistently cover you for less if you’re willing to assume more of the financial responsibility for accidents on an individual basis.

Low Deductible

However, if you cannot afford a higher monthly premium then chances are your deductible will be higher. This means that if you don’t pay much monthly for the collision coverage of your Virginia auto insurance policy, then you can expect to pay more out of pocket in the event of an accident.

Click on the following button to be redirected to our collision coverage quote form, and get a free quote on your Virginia collision auto insurance coverage

Liability Auto Insurance

Here our customers can gain access to free quotes on Virginia auto liability insurance coverage. Bear in mind that a basic Virginia car insurance policy will not protect you or your vehicle from damage. Basic Virginia car insurance policies are better known as ‘auto liability policies’ and they only meet minimum state standards. 

The minimum Virginia auto insurance limits are available by following the previous link to the state’s official ‘liability laws’ page. When you purchase this type of Virginia car insurance policy, it will only help you pay the medical bills or vehicle repair bills of a person whom you injure or kill while driving. In other words, liability auto insurance keeps the driver legal but doesn’t offer any protection from paying for damages to your vehicle or injuries to yourself. If you want Virginia car insurance that will support you if your family, commercial, or classic vehicle is damaged, then collision car insurance is for you!

Liability Information:

To fully understand what liability car insurance means, we must first understand what exactly a liability is. 

liability is any fiscal responsibility you are found to be obliged to fulfill either by a lawsuit or other claim for damages. Liability insurance then is any type of insurance coverage that protects its policyholder from being sued for damages resulting from a certain activity that involves risk, i.e. driving a motor vehicle.

This means that when you buy auto liability insurance coverage in the state of Virginia, your insurance is designed to protect you from being sued for damages due to injury or death as a result of your operation of a motor vehicle. Nowhere do auto liability insurance plans mention damages to your property, or benefits for treatment of your own injuries. Always remember that liability auto insurance is the bare minimum when it comes to auto insurance, and we can get you the bare lowest price.

Liability Limits:

Every state has different requirements when it comes to how much auto liability or indemnity insurance is required to operate a vehicle legally. There are usually three values associated with these minimum liability limits. The three points that usually determine an insurance policy’s ability to fulfill the minimum liability requirements are the benefit amounts for Bodily injury or death to one person, bodily injury or death to all persons, and lastly benefits for property damage caused by an accident. 

The official auto liability insurance minimums for the state of Virginia are as follows:

  • Bodily injury/death of one person $25,000
  • Bodily injury/death of two or more persons $50,000
  • Property damage $20,000

As mentioned before however, these values only apply to damages resulting from injuries, death, or destruction of the property of others. Liability insurance will not offer you or your passengers any financial compensation for an accident found to be your fault.

Do I have to Buy Liability Insurance?

Of course not! driving a car is a privilege and not a right, however, so if you don’t purchase liability car insurance, there are very few alternatives that allow you to continue driving legally.

As an alternative to purchasing Virginia auto liability insurance to protect your assets, you can assume your liability by submitting an optional $500 uninsured motor vehicle fee to the Virginia Department of motor vehicles

Paying the optional UMV fee as it is called, does not mean that you’re protected against being sued, however. Instead, you are paying a lump sum to prove your financial responsibility, and also assuming the risk of your actions. This means that whether you bump into a classic car while parking, or kill someone while driving late at night, you are solely responsible for money damages resulting from bodily injury, death, or property damage to any and all parties.

Too Broke For Anything Else?

If you are only interested in this auto insurance option because you are required to have it, and you have absolutely no spare money to invest in a more robust policy that can give you more confidence about your coverage, then at the very least we can get you a rock bottom price on your policy.

We search through dozens of reputable auto insurance providers in and out of Virginia to bring you free quotes on only the most affordable policies within your budget. In as little as five minutes over the phone, one of the helpful and knowledgeable insurance agents at SkyBlue Insurance Agency Inc. can get you free quotes and a free auto insurance consultation to ensure that you are not paying any more than you have to for the bare-minimum coverage of Virginia auto liability insurance!

Classic & Collectible Vehicle Insurance

Motorcycle | Auto | Boat |  

People who drive classic or collectible motor vehicles are a different breed. They expect things that are authentic to remain as such and to quantify their love of their classic cars and motorcycles would give you an astronomical figure. 

Collision Costs

When it comes to selecting your Virginia auto insurance coverage options, this is likely to be the most expensive. 

Collision insurance coverage is expensive because car accidents are the most common type of insurance claim, so having collision coverage makes you much more likely to file claims. Like all other insurance coverage, the cost of your collision policy is based on risk. For this type of policy driving record has a great deal of bearing on your overall cost. 

If your auto insurance company finds out that you’ve had multiple traffic collisions (and they will find out), your monthly premium rate would have to be much higher than someone with a clean record for the auto insurance company to offset your risky driving under their coverage. One way to offset higher premiums is by raising your deductible.

Deductibles

An insurance deductible is a portion of the actual cost passed on to the consumer, which must be paid in full for insurance benefits to kick in.

In the case of collision auto insurance, this means that a $500 deductible is $500 that you must pay to fix your car after an accident, for the insurance company to cover the rest. 

Deductibles are put in place so that people paying insurance premiums don’t just feel like, “I don’t have to be careful, I have insurance.” If you have to pay 500 dollars every time you get into a serious accident, chances are it’s not something you would do every weekend.

The deductible, however, is your wiggle-room for adjusting your collision auto insurance coverage premium cost.

High Deductible

A high deductible means that you will have to pay a greater part of your repair costs in the event of an accident, but that your monthly premiums will be reduced. This is because the insurance company is willing to consistently cover you for less if you’re willing to assume more of the financial responsibility for accidents on an individual basis.

Low Deductible

However, if you cannot afford a higher monthly premium then chances are your deductible will be higher. This means that if you don’t pay much monthly for the collision coverage of your Virginia auto insurance policy, then you can expect to pay more out of pocket in the event of an accident.

Click on the following button to be redirected to our collision coverage quote form, and get a free quote on your Virginia collision auto insurance coverage

Commercial Vehicles

Tractor Trailer Insurance | Commercial Auto Insurance | BOPs

Commercial vehicle insurance is an important part of any business that has a fleet of vehicles. Whether you have a few hybrids for making it to meetings all across town, or 25 flatbeds for shipping heavy parcels in the tri-state area, it’s integral to your financial stability that all of your vehicles be insured for collision, physical damage, and liability

Collision Costs

When it comes to selecting your Virginia auto insurance coverage options, this is likely to be the most expensive. 

Collision insurance coverage is expensive because car accidents are the most common type of insurance claim, so having collision coverage makes you much more likely to file claims. Like all other insurance coverage, the cost of your collision policy is based on risk. For this type of policy driving record has a great deal of bearing on your overall cost. 

If your auto insurance company finds out that you’ve had multiple traffic collisions (and they will find out), your monthly premium rate would have to be much higher than someone with a clean record for the auto insurance company to offset your risky driving under their coverage. One way to offset higher premiums is by raising your deductible.

Deductibles

An insurance deductible is a portion of the actual cost passed on to the consumer, which must be paid in full for insurance benefits to kick in.

In the case of collision auto insurance, this means that a $500 deductible is $500 that you must pay to fix your car after an accident, for the insurance company to cover the rest. 

Deductibles are put in place so that people paying insurance premiums don’t just feel like, “I don’t have to be careful, I have insurance.” If you have to pay 500 dollars every time you get into a serious accident, chances are it’s not something you would do every weekend.

The deductible, however, is your wiggle-room for adjusting your collision auto insurance coverage premium cost.

High Deductible

A high deductible means that you will have to pay a greater part of your repair costs in the event of an accident, but that your monthly premiums will be reduced. This is because the insurance company is willing to consistently cover you for less if you’re willing to assume more of the financial responsibility for accidents on an individual basis.

Low Deductible

However, if you cannot afford a higher monthly premium then chances are your deductible will be higher. This means that if you don’t pay much monthly for the collision coverage of your Virginia auto insurance policy, then you can expect to pay more out of pocket in the event of an accident.

Click on the following button to be redirected to our collision coverage quote form, and get a free quote on your Virginia collision auto insurance coverage

Virginia Auto Insurance Options

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Virginia Liability Options | Virginia Collision Insurance Options | Virginia Commercial Auto Insurance Options | Virginia Classic & Collectors Vehicle Insurance Options

Virginia liability car insurance