Living in the Commonwealth is a privilege. Warm summers and snowy winters offer the best of both worlds. During fall, a drive through the mountains is a must, as leaves turn and the hills are transformed into a sea of red and gold. You can easily stop at one of the many wineries or breweries dotting the VA countryside and enjoy a charming weekend. Throughout Virginia, residents take advantage of all the state has to offer, and protect the things they cherish the most with Virginia insurance.
When you need coverage for your VA home, auto, business, and more, contact a local independent agent in the Trusted Choice® network. Virginia has a population of 8,185,867 and 463 local independent agents. These member agents have the ability to compare a variety of insurance policies and Virginia insurance quotes to find coverage that works within your budget. Use our independent agent matching system to find the best insurance plan in your area.
Why Work with an Independent Agent?
There are two types of insurance agents: independent agents and captive agents. Captive agents work with one insurance companies, and can only that company's products. While there may be variety of products to choose from, you can’t pull individual policies from other companies that might be more suitable for you. Flexibility is limited to what the one insurance company offers.
On the other hand, an independent agent has the ability to compare policies and rates from multiple insurance companies. If you want to purchase your homeowner policy from one provider and your life insurance from a different provider, an independent agent can work it out, and may help you find discounts, as well.
It’s always a good idea to shop around for insurance, but when you work with an independent agent, it’s like having a professional shopper at your side.
Virginia Car Insurance Requirements
Whether you’re driving home from work or heading away for the weekend, it’s important to have the right car insurance. The state has legal requirements for minimum amounts of insurance, but that may not be enough to provide full protection. Minimum liability amounts that all drivers must possess are:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property Damage liability: $20,000
- Uninsured/Underinsured Motorist Bodily Injury per person: $25,000
- Uninsured/Underinsured Motorist Bodily Injury per accident: $50,000
A serious accident can easily surpass those coverage amounts. It’s also a good idea to purchase additional uninsured/underinsured coverage. If you do not have coverage, you must pay an Uninsured Motorist Fee of $500 to register a car. However, you are still financially responsible for any damage you cause in an accident. Make sure your coverage is sufficient to protect you from unexpected costs.
Find Customized Virginia Business Insurance
From tobacco manufacturing to printing services, Virginia has diverse industries and a variety of small and medium sized businesses. Whether you run a newspaper or a local CSA, you need Virginia business insurance that is tailored to your specific needs, including:
- Property coverage for your business buildings and equipment.
- Workers compensation for your employees.
- Liability coverage for general and specific risks.
- Commercial vehicle coverage for business autos and drivers.
Trusted Choice agents sell more business insurance policies than any other brand, and can be an excellent source if you’re searching for insurance or just need advice. Let your independent agent help you determine what your business risks are and find policies that address your specific needs.
Independent agents work with multiple insurance companies, allowing them to pull individual policies from different providers to create a customized business insurance package. That way you pay for only the coverage your business really needs.
Do I Need Virginia Life Insurance?
Life insurance is a very helpful tool when planning for your future, but it is a highly personal choice. Those who have a family may purchase life insurance as a way to provide for living expenses after they’re gone while other use life insurance an additional investment vehicle.
It’s ultimately up to you as to what kind of life insurance you need, but it’s always helpful to have a reliable guide to assist you with the purchase.
If you want simple, immediate life insurance that provides for your family, but is still affordable, a term life insurance policy may work best. On the other hand, if you desire flexibility and more investment options, a whole life policy will work better for you. Additionally, you can combine a variety of options to create a more personalized life insurance package.
Finding Virginia Health Insurance
Searching for health insurance is difficult, but it’s a requirement if you want to be financially prepared for an unexpected illness. Many residents get health insurance through an employer, while others must purchase coverage on their own. When you work with an independent agent, the brunt of comparison responsibility is on your agent, and you’re simply presented with the best options, making your search simple.
In addition to presenting you with a variety of health plans, your independent agent will work with you to find out which plan is right for you. If you go to the doctor on a regular basis due to a chronic issue, an HSA/HDHP plan may not be right for you. If you want the ability to visit a doctor of your choice at any time, purchasing an HMO plan might be highly inconvenient and expensive.
Your member agent can compare multiple policies and Virginia insurance quotes to get the coverage you need.
Purchasing Virginia Homeowners Insurance
If you own a home in this beautiful state, you need the right homeowners policy to protect your investment. It is a good idea to review your policy from time to time, to make sure there are no new gaps in your coverage, and that your personal property is sufficiently insured. A member agent can help you with the following coverage types and more:
- Property coverage: This policy provides a specific amount of protection for your main home. If you can, purchase replacement value instead of actual cash value.
- Personal belongings coverage: This includes your furniture, clothing, and electronics as well as other items. A certain percentage of your home value is already included to protect these items, but it may not be enough.
- Liability coverage: If you cause an accident either directly or indirectly, this policy will help pay for medical expenses and property damage. It also covers slander and libel claims.
Your Virginia homeowners insurance doesn’t cover flooding or earthquakes, but coverage for special catastrophes like these can be purchased separately, or as a rider to your current policy.
Do You Have Virginia Boat Insurance?
VA has many lakes and rivers, and one of the most popular local outdoor activities is boating. Although insurance isn’t required, it’s a wise investment that provides the following coverage types:
- Protects your boat from theft, vandalism, and accidents.
- Protects you as a boat owner by providing liability coverage.
- Provides coverage for other situations like:
- Pollution coverage
- Equipment coverage
With the right insurance coverage for your boat and personal watercraft, you can enjoy the Virginia waterways with peace of mind.
Find the Virginia Insurance You Need
Finding the right insurance is easy when you work with an independent agent. All you need to do is contact a local member agent right in your area. Since independent agents are located in your neighborhood, they understand the regional risks that you face.
Whether you need only one insurance policy, or many, contact an independent Trusted Choice agent, to get coverage you need and Virginia insurance quotes you can afford.