Buying a car is not the end of it. You also need to find and purchase an insurance plan that will cover your needs. Virginia car insurance should cover several major areas:
- Medical coverage
- Liability/property damage
- Comprehensive and collision insurance
- Uninsured/underinsured liability
It is a good idea to select an insurance agency that you feel comfortable with, and whose agents are experienced in the various coverages that motorists need.
In addition to the coverages listed above, you may also want to look into adding towing and rental cars, as well as roadside assistance. The agent should also help you decide on any additional coverage you may need to cover theft or specialty equipment added to your car, such as a lift kit or satellite radio.
Once you have reviewed your particular situation with your agent, they should provide you with an outline of all the coverages and limits, any available discounts you qualify for, and cost comparisons between various options. They can let you know the minimum liability limits that are required by Virginia car insurance regulations. However, since these minimum limits are not usually enough to protect you in a serious accident, the comparisons between those and better coverage options can be suggested by the agency’s representative to help you make a better decision.