Questions You Should Ask an Insurance Agent When Shopping For Auto Insurance

When it comes to choosing auto insurance, many car owners do not know how to make their choice. The most valuable source of information that you can use in order to make an informed decision is an insurance agent. Armor Insurance Group serving Virginia Beach, VA  and other nearby towns prepared a list of questions you should ask your insurance agent. 

What Exactly Is Covered If I Am Involved In a Car Accident And My Car Is Damaged? 

One of the most common misconceptions is that auto insurance will automatically pay for the repair and replacement of your vehicle in case of an accident. The truth is that without the right coverage, you will not have these benefits. To cover the repair and replacement of your car you will need to have collision coverage. 

How Do I Know That I Am Getting The Best Rates?

In order to make sure that you are offered the best rate, it is recommended to shop around. Most insurance companies have a free quote tool on their website, so you can input your information and get an idea of rates. You can also find an insurance brokerage firm that offers policies from several insurance companies to make sure that their clients receive the best rates. 

Are My Family Members Covered Under My Policy?

You may mistakenly believe that one car means one policy. However, if you are going to share your car with other family members, you need to get additional coverage to cover them. Your insurance agent will help you figure what type of additional coverage you need to buy and how much it will cost. 

Armor Insurance Group – We Help You Find a Perfect Policy 

If you are a resident of Virginia Beach, VA or any other nearby town, and you are currently shopping for auto insurance, our agency is ready to assist you. Our agents are experienced and knowledgeable professionals, who will provide you with the necessary information and answer all of your questions. Feel free to visit our website or give us a call. 

Requirements for Buying Auto Insurance in Virginia

If you live in Virginia Beach, VA, and have bought a new car, you might be wondering what auto insurance requirements in the state are. Armor Insurance Group, a leading insurance agency in Virginia, understands this industry in detail and may provide some important insights that can help you make an appropriate decision to meet the minimum requirements. 

State Insurance Requirements

As you will see, two bodies regulate the requirements that you will have to fulfill before you can get an insurance cover in Virginia. The state government ranks the highest body and controls all the aspects of insurance in the state, and it is crucial to understand all its requirements. 

According to the state of Virginia, your insurance policy must meet the minimum requirements of covering bodily injury or death of one person amounting to $25,000, bodily injury and death of two or more people of $50,000, and property damage worth $20,000. If your auto insurance does not meet these basic requirements, the state may assume that you do not have a valid insurance policy. 

Insurance Company Requirements

Before insurance companies give you auto insurance in Virginia, they are also entitled to analyze various requirements to decide the premiums you will be paying. Your driving history will come into scrutiny in the entire process. Other important aspects checked include your driving experience, the driving age in the family, and any other relevant factor. 

If you are interested in getting auto insurance in Virginia Beach, VA, you’re likely to get overwhelmed by these requirements, especially if you’re a first-time buyer. As one of the most experienced agencies for insurance policies, Armor Insurance Group will guide you through the entire process and help you meet the necessary insurance requirements. 

Virginia Auto Insurance Requirements

Driving on Virginia’s roads and highways is a must in our far-flung state, but the Old Dominion demands that you have the proper amount of automobile insurance to legally traverse those roads and highways. For Virginia drivers seeking the best coverage available, our agents at Armor Insurance Group, located in Virginia Beach, VA are standing by to help craft an auto insurance policy to meet your driving insurance needs.  Driving legally and safely means having the insurance you need in case the worst happens while you or a loved one is behind the wheel of the family car.

Insurance Requirements in Virginia

All drivers in the state must have limited liability coverage in the event they cause a collision on the road, and this state-mandated minimum is designed to meet injury and property damage.  Specifically, the state requires:

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

Beyond these minimum requirements, however, you can discuss crafting a policy that provides more coverage.  Your vehicle is your lifeline to work and a host of other responsibilities, so ensuring that you have insured against all contingencies guarantees that that lifeline is always available.

Armor Insurance Group Has Your Auto Insurance Covered

When you are ready to start your new insurance policy, or it is time to renew your old policy and you want to shop around for a better agency rate, we welcome you to come to contact our Virginia Beach VA office to have a conversation. Armor Insurance Group is your go-to resource when researching insurance topics and our well-trained, friendly, licensed, and knowledgeable crew of agents are looking forward to working with you to get the auto insurance you and your family need.

What is the state minimum auto insurance in Virginia and is it enough?

Purchasing and driving an auto is great and to protect yourself and your investment it is always best to have auto insurance but if you live in Virginia, you at least have to obtain liability insurance.

According to the Virginia Highway Safety Office, a total of 125, 800 car accidents occurred in the state in 2015 that injured 65,000 people and took the lives of 753 others. The risk of being involved in a car accident is a real threat and everyone needs to take it seriously and have the insurance to cover their vehicles, medical bills, and loss of wages in case they are involved in an accident.

The minimum insurance requirements in Virginia include the fact that all drivers must obtain a liability insurance policy that includes at least $25,000 in coverage for bodily injury per person, $50,000 in coverage for bodily injury per accident, and at least $20,000 in coverage for property damage.

Liability coverage only applies damages that you cause another person to suffer if an accident occurs that is your fault. It does not cover you if you are injured and does not cover damages to your vehicle.

The state of Virginia also allows motorists to avoid obtaining liability insurance if you pay the state’s fee of $500 for uninsured motorists but it does not offer any insurance coverage at all. It does give you the ability to drive on the public roads of Virginia without being fined or paying penalties for not carrying insurance. However, if you cause an accident, you will have to pay for any injuries to a person or damage to property that occurs because of the crash.

Many drivers opt for more coverage than uninsured motorist or liability insurance offers. These types of insurance include full-coverage insurance that will pay for damages to your vehicle due to an accident caused by you or someone without insurance, theft, weather-related incident or vandalism. You can also obtain comprehensive coverage that includes damages from vandalism, theft, fire, or hail or collision insurance in case you hit another car or object, such as a fence, and need your vehicle repaired or replaced.

An experienced insurance agent at Armor Insurance Group in Virginia Beach, VA can assist you in choosing the coverage that is best for you and your situation.

 

Steps to Follow After You’ve Been Involved in an Auto Accident

Being involved in an auto accident is not a position you find yourself in everyday. As such, when it happens, you may find yourself unsure of exactly what you should do. At Armor Insurance Group, serving the Virginia Beach, VA area, we want to help you in case you find yourself in this position. Here are the steps you should follow after you have been involved in an auto accident. 

Ensure Everyone is Alright

The first thing that you will want to do is ensure that everyone is alright. If you, a passenger or the other driver are injured, immediately seek out emergency medical treatment. 

Take Photographs of the Accident Scene

The next thing you will want to do is take photos of the accident scene. When possible, this should be done before vehicles are moved. Taking photos of the cars at the accident scene can be important when it comes to showing how the accident occurred and who may have been at fault. 

Exchange Information With the Other Driver

Be sure to exchange information with the other driver. This includes their name, address, driver’s license information, vehicle information and insurance information. 

Obtain a Police Report, if Needed

If the other driver is not insured or does not have a drivers license, you will want to contact the police to make an accident report. 

Notify Your Auto Insurance Company

The last thing you will want to do is to notify your auto insurance company about the accident in order to begin the claims process. 

No one wants to be involved in an automobile accident, however, it is something that you cannot always prevent. Car insurance can help to ensure that an unexpected auto accident does not become a financial drain for you. At Armor Insurance Group, serving Virginia Beach VA, we can help ensure your auto insurance policy protects you against the unexpected. Contact us today for a free quote. 

What Does Full Coverage Auto Insurance Cover?

Throughout Virginia Beach, VA, the roads can be difficult to navigate. All it takes is one person to slam on their brakes or skid on ice for there to be an accident. Even when you’re not on the roads, it’s possible to experience vehicle damage. As such, you want to have full coverage auto insurance.

At Armor Insurance Group, we explain full coverage auto insurance as a combination of liability insurance (what the state requires) with comprehensive and collision coverage. All of these are important because of the various scenarios that they can be used in. if you get into an accident with another vehicle, the liability coverage will take care of the other vehicle if you were at fault. The collision coverage protects your vehicle in a collision, whether it’s with a guard rail, a mailbox, or another vehicle. Then, comprehensive coverage takes care of all of the non-driving incidents, such as a rogue shopping cart, a hit and run, or a rock to the windshield.

You never know what’s going to happen and when. Vehicles can be expensive to repair and you don’t want to pay for it all out of pocket. It only makes sense to have as much coverage on your vehicle as possible. 

When you have what’s known as ‘full coverage,’ you have the protection to take care of your vehicle if it’s been an accident, vandalized, or damaged in some other way.

You don’t want to get into a situation where your insurance company denies your claim. It makes sense to have full coverage auto insurance in Virginia Beach, VA. When you’re ready to shop for a policy that works for your needs and your budget, contact us at Armor Insurance Group. One of our agents can ensure that you have the policy to provide peace of mind.

 

Are Friends Covered Under Your Car Insurance?

If you’re like most car owners, you probably have reservations about loaning out your car. Having someone borrow your car, even occasionally, can be risky, especially if you’re not sure they’re covered under your insurance policy. Understanding how your car insurance works can help alleviate any doubts you may have concerning “guest” drivers. Here are a few ways in which auto insurance from Armor Insurance Group in Virginia Beach, VA, protects family and friends when they borrow your vehicle.

Family (Household Members)

Relatives who live with you are considered members of your household and are automatically covered by your auto insurance when borrowing your vehicle, as long as they have a valid driver’s license. This includes a son, daughter, sibling, spouse, parent, etc. Even a friend who lives with you full time is protected by your insurance coverage. Your insurer may even require you to list these people on your policy to avoid misunderstandings concerning coverage.

Extended Family Visiting Your Home

Relatives who borrow your car while visiting your home are also protected by your insurance if they have a valid driver’s license and you permit them to drive the vehicle. As a precaution against accidents, you may want to limit vehicle borrowing to safe drivers.   

Friends

Friends will also be protected under your car insurance policy if they have your permission to borrow your vehicle. Permissive use comes in handy when going on long road trips as you can share driving responsibilities. Drivers who aren’t on your policy, however, may receive less liability coverage if they were to have an accident when driving your vehicle.

Through permissive use, family and friends can be protected by your auto insurance when borrowing your vehicle. Quality insurance coverage from Armor Insurance Group in Virginia Beach, VA will ensure you and others receive the protection you need.   

Why It Is Important To Review Your Auto Insurance Annually

As we all know, a lot can change in a year. As you drive throughout Virginia Beach, VA, you might get a traffic ticket, get into an accident, or something else. This gives you an important reason to review your auto insurance policy on an annual basis. At Armor Insurance Group, we have independent insurance agents that can work with you on the entire process, too.

Explore Coverage

Is the coverage that you have still sufficient? If you have had accidents in Virginia Beach, VA where you have to pay a significant amount of money out-of-pocket, you might want to increase your coverage as a way of providing additional protection. Such forms of protection include comprehensive and collision coverage.

Compare Rates

Your rates may have gone up. Additionally, things may have changed with you that would allow you to get discounted rates. Becoming a student, getting married, and various other things might entitle you to discounts. It’s a good idea to get quotes from at least three or four auto insurance companies. This will allow you to make some comparisons to see what the cost of insurance is going to be for the New Year.

Change Companies

If you have had problems with the insurance company that you have your policy with, it might be time to look at changing to a different company. If you have had problems logging into your online portal, communicating with them, or even paying your bill, they might not have the best reputation within the insurance industry. There are plenty of other companies, so it might be a good time to make the switch.

At Armor Insurance Group, we work with some of the top insurance companies that provide insurance in Virginia. Call and talk to one of our agents today and let us help you explore the various options that are available to you.