Virginia is for lovers, no question about it. But it's also for a whole lot of other things. Presidents, for instance. Four of the first five presidents of the United States – including George Washington and Thomas Jefferson – came from Virginia, and eight in total called it home. That's more than any other state in the country (and any true Virginian won't let you forget it).
The deepest bench of past commander-in-chiefs only begins to reveal why "Old Dominion" (a nickname that comes from Virginia's early days as the first colonial possession established on the mainland of British America) is so special. There's the theme parks of course, and the fact that Virginia is a truly beautiful four-season state. And we can't forget to mention the car insurance in Virginia.
It turns out that Virginia, in addition to its other great qualities, is also one of the cheapest states for auto insurance. According to an insurance news website, Virginia is actually in the top 10 least expensive states, with rates 23 percent below the national average in 2016. Rates really drop off as drivers get older too, with average savings of $600 per year.
So, if the idea of living in the birthplace of colonial America didn't convince you – or you're not a big enough Dave Matthews fan to just instantly want to live close to Charlottesville, his birthplace – then perhaps Virginia's winning car insurance will do the trick. Let's take a closer look at what the state has to offer its drivers:
Back to basics
We'll start with the bare minimum requirements for driving in Virginia. Every driver needs to have a way to pay for injuries or property damage resulting from a car accident. There's two ways to meet the responsibility – by paying the Department of Motor Vehicles $500 to drive around uninsured (not recommended), or by purchasing online car insurance (heartily recommended).
Once you've chosen to buy car insurance, you need to make sure you've got liability coverage as a bare minimum. In Virginia, coverage minimums include $25,000 for injuries per person per accident, $50,000 for total injuries per accident, and $20,000 for property damage per accident. You'll also need uninsured/underinsured motorist coverage, which helps to pay for your injuries or any damage sustained after an accident caused by an uninsured driver or one who doesn't have enough coverage to go around. These coverages must match those of your liability insurance.
Experts recommend that you get more than just the minimum, of course. It's the best way to protect yourself should you cause an accident that results in injury or repair bills higher than the benchmark requirements. Further coverage add-ons like collision (which pays for damages to your car after a traffic accident) and comprehensive (covering incidents unrelated to accidents, like weather damage or even vandalism) are a smart choice for every driver who doesn't like to be weighed down by a mountain of financial risk every time he or she gets behind the wheel.
The benefits of car insurance
"Besides peace of mind, car insurance provides a host of other benefits."
Besides peace of mind, the right car insurance provider has your back when it comes to replacing a stolen car, repairing damage and just generally keeping you and your passengers safe from the potentially overwhelming financial penalties that can come from driving around uninsured. Make sure to keep your proof of insurance with you when you're on the road.
It isn't fun to be found driving unprotected in Virginia. Your driver's license, vehicle registration and license plate could all be suspended – and they're not cheap to get reinstated. On top of a $500 fine, there's a driver's license reactivation fee totaling a couple hundred dollars and enough paperwork to cast a cloud so cheerless it would cover sunny Fredericksburg.
Not that you'll have to worry about any of that. Do your research, compare car insurance quotes and you'll find that Elephant Insurance has your back from Alexandria to Suffolk to Richmond, where Patrick Henry uttered those immortal words, "Give me liberty, or give me death!" Liberty and death aren't in Elephant's wheelhouse, but great car insurance rates sure are.