Independent insurance agency

Car Insurance in Virginia

Discover hassle-free access to affordable, high-quality car insurance with Jenkins Insurance & Financial Services, Inc.

Start Your Quote for Car Insurance

What is car insurance?

Car insurance, also known as auto insurance, is a type of coverage designed to protect you financially in the event of an accident or other vehicle-related incidents. It provides coverage for various types of risks, including damage to your vehicle, injuries to yourself or others, and property damage. Car insurance policies are essential for complying with legal requirements and ensuring financial protection on the road.

What are the types of car insurance coverage?

In Virginia, car insurance coverage includes several types to meet legal requirements and provide protection:

Liability Coverage: This is required by law and covers damages to other people and their property if you are at fault in an accident. It includes bodily injury liability and property damage liability.
Collision Coverage: Pays for damages to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault.
Comprehensive Coverage: Covers non-collision-related damages to your vehicle, such as theft, vandalism, fire, natural disasters, and falling objects.
Uninsured/Underinsured Motorist Coverage: Protects you if you are involved in an accident with a driver who has insufficient or no insurance. It covers medical expenses and property damage.
Medical Payments Coverage: Provides coverage for medical expenses for you and your passengers following an accident, regardless of fault.
Rental Reimbursement Coverage: Offers financial assistance for renting a vehicle while your car is being repaired after a covered incident.
Roadside Assistance Coverage: Covers services like towing, battery jumps, and tire changes if your vehicle breaks down.

These types of coverage help ensure that you are protected in various situations, from accidents and damage to theft and breakdowns.

Client Reviews

The work I did with Jenkins Insurance covered multiple policies, for vehicles and residence, covering several autos and drivers, and was complex and multi-faceted. Tammy worked with me to make sure everything was in order and on time (even with changing deadlines).

Charles G, Google Review

Whenever we need to update our policy because of buying a new car or some other change Mackenzie has been efficient and even sent me copies of the new policy because it wasn’t convenient for me to get them online. Tammy checked our policies (home, auto, and umbrella) and applied a discount so we are paying less per month. Very good agency.

Ann S, Google Review

You have always been there to take care of my needs, answering my questions and keeping me “covered”! I thank you for that!!

Carolyn S, Google Review

How can I determine the right amount of car insurance coverage?

Determining the right amount of car insurance coverage involves evaluating your needs and risks. Consider the following factors:

Vehicle Value: The value of your vehicle influences the amount of coverage you need. If you have a newer or more expensive car, you may want to consider collision and comprehensive coverage to protect against potential damages.
Driving Habits: Your driving habits can impact your insurance needs. If you frequently drive long distances or in high-risk areas, you may need higher coverage limits to account for potential risks.
Financial Situation: Consider your financial situation when selecting coverage. Higher coverage limits and additional protections, such as uninsured motorist coverage, may result in higher premiums but provide greater financial security.
Legal Requirements: Ensure that you meet Virginia’s minimum auto insurance requirements. While you may choose to carry only the minimum coverage, evaluating your needs and potential risks can help you decide if additional coverage is necessary.

What factors affect the cost of car insurance in Virginia?

Several factors affect the cost of car insurance in Virginia:

Driving Record: A history of traffic violations, accidents, or claims can increase your premiums. Safe driving records generally result in lower costs.
Vehicle Type: The make, model, age, and safety features of your vehicle impact premiums. Expensive or high-performance cars often cost more to insure.
Location: Where you live affects your rates. Urban areas with higher traffic density and crime rates typically have higher premiums compared to rural areas.
Coverage Levels: The amount and types of coverage you choose (e.g., liability, collision, comprehensive) influence your premiums. Higher coverage limits and lower deductibles generally result in higher costs.
Age and Experience: Younger drivers or those with less driving experience often face higher premiums due to statistically higher accident rates.
Credit History: In many states, including Virginia, your credit score can affect insurance rates. A lower credit score may lead to higher premiums.
Annual Mileage: The number of miles you drive each year affects your premiums. Higher mileage increases the risk of accidents, potentially leading to higher costs.
Insurance History: A consistent history of insurance coverage can result in lower premiums. Gaps in coverage or recent changes in policies may increase rates.
Safety Features and Anti-Theft Devices: Vehicles equipped with safety features (e.g., airbags, anti-lock brakes) and anti-theft devices often qualify for discounts.
Driver’s Age and Gender: Statistical data about age and gender can impact rates, with younger drivers and males typically facing higher premiums.
Claims History: Frequent claims or high-value claims can lead to increased premiums. Maintaining a good claims history helps keep costs lower.

These factors combined determine your car insurance premiums, influencing how much you pay for coverage in Virginia.

What are the minimum car insurance requirements in Virginia?

In Virginia, the minimum car insurance requirements are designed to ensure that drivers have basic financial protection in case of an accident. The state mandates the following minimum coverage:

Liability Coverage:
- Bodily Injury Liability: $30,000 per person and $60,000 per accident. This covers medical expenses for injuries caused to others in an accident where you are at fault.
- Property Damage Liability: $20,000 per accident. This covers repair or replacement costs for property damaged by your vehicle in an accident where you are at fault.

Alternatively, Virginia allows drivers to meet the state’s financial responsibility requirement by paying an uninsured motor vehicle fee if they choose not to carry insurance. However, this option does not provide coverage for accidents and is not recommended for those who want to be protected against potential losses.

Jenkins Insurance & Financial Services, Inc

How can Virginia car owners get a quote for car insurance?

Reach out to the independent agents at Jenkins Insurance & Financial Services for a fast quote on car insurance in Virginia. Our team is dedicated to helping you find the perfect auto insurance policy that fits your needs and budget. With our expertise and personalized service, we’ll ensure you receive the coverage you need to stay protected on the road.

Get a Quote

Get a personalized quote! Share your details and a friendly agent will be in touch.