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Wondering if you're paying too much for auto insurance in Norfolk? We can help you find out! All you need do is enter your zip code in the box above, and we'll do the rest. We'll provide quotes for you that will help you determine the lowest car insurance rates in Norfolk. The quotes will come from companies who insure in the Norfolk area. You won't have to spend valuable time contacting any agents. We'll do all the work for you! Virginia requires the following minimum coverage: - Bodily injury/death of one person $25,000 - Bodily injury/death of two or more persons $50,000 - Property damage $20,000 To purchase license plates or decals, you must certify that your vehicle is covered by the minimum insurance requirements or pay an "Uninsured Motor Vehicle" fee. The $500 "Uninsured Motor Vehicle" (UMV) fee is paid to the Department of Motor Vehicles (DMV). It does not provide any insurance. It only allows you to drive an uninsured vehicle at your own risk, and it expires with your registration and must be paid at renewal. Vehicle owners who are uninsured or have not paid the UMV fee will have their driving and vehicle registration privileges suspended. Insurance carriers provide DMV with electronic updates of information on insureds and vehicle description when they cancel auto insurance, or add or write new coverage for motor vehicles registered in Virginia. The Virginia DMV verifies that motor vehicles are properly insured by comparing vehicle registration information that they have on file at DMV with liability information on the owner and vehicle which is transmitted to DMV by the insurance carrier. If no insurance is found, DMV requires that the motor vehicle owner furnish the liability insurance information to DMV for verification. (a) Where you live - The condition of roads, the population, the number of vehicles, repair rates, and the number of accidents in your area are factors. (b) Your driving record - This has the biggest impact on your premium. At-fault accidents and moving-violation convictions within the last 3-year period greatly affect your cost. (c) Vehicle use - The more your vehicle is used, the higher your premium will be. For a vehicle that is only used occasionally, you'll pay much less than if you drive several miles to work each day. (d) Your credit score - Statistics have shown that a person with a low credit score is much more likely to file a claim. (e) Type of vehicle - The cost of repairing or replacing a vehicle of your type, its style, and the likelihood of theft, all affect your premium. Sports cars will raise your rates much more than a family car.
In 2009, there were 3,365 auto thefts in the Virginia Beach-Norfolk-Newport News metropolitan area, according to the NICB (National Insurance Crime Bureau.) To help prevent your car from becoming a theft statistic, follow these steps ... (a) Always lock your vehicle (b) Take your keys (c) Close the windows and sunroof (d) Don't leave car running unattended Question - Why do young men pay more for auto insurance than young women? Answer - Insurance companies use statistics from past history to determine the rates they charge. Male drivers under the age of 25 are much more likely to be involved in accidents. Young women under the age of 25 have less accidents than their male counterparts, so the females are charged less on their auto premiums. Question - What happens if a person under age 18 gets a ticket? Answer - If a person under age 18 is convicted of a demerit-point traffic violation, he/she must complete a driver improvement clinic. If not completed satisfactorily within 90 days, permit or license is suspended until clinic is completed. Unfortunately, as drivers age, their skills tend to decline. Sometimes medications or diseases are the cause. Things such as arthritis, Parkinson's disease, a stroke, or vision problems can seriously impact a person's ability to safely handle a motor vehicle. Ways to recognize declining driving skills ... * Running red lights/stop signs before realizing it * Stopping for green lights * Merging into another lane without first looking * Going the wrong way against traffic * Having near misses with autos, pedestrians, or objects * Confusing the pedals (gas and brake) * Getting lost in areas that should be familiar * Stopping in the middle of an intersection Precautions to take ... - Always wear your seat belt - Drive during low traffic times - Avoid left turns as much as possible - Take a driver improvement class An activity that takes your eyes off the road while you are driving is considered a distraction. If it takes your hands off the wheel or interrupts your concentration, the risk of a crash increases. In 2008, more than half a million people were injured and about 6,000 died as the result of crashes that involved a distracted driver. FYI - Using a cell phone while driving reduces the brain activity associated with driving by 37%. FYI - It is 4 times more likely that a driver using a hand-held device while driving will be in a crash that injures them. (1) Call police (2) Stay calm (3) Note the time, date, damage, location, injuries, road conditions (4) Exchange driver(s)' info... name, address, insurance info, license number, tag number (5) Get witnesses' info (6) Take pictures (7) Draw a diagram (8) Call your insurance company Learn about auto insurance. Use our zip code box above to get the quotes you need, then choose a policy that's right for you! |
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