Should You Get Comprehensive or Collision Coverage?

If you own a car, you’re legally required to have insurance. But what kind of insurance should you get? The options can be confusing, and it’s hard to know what coverage you need. Do you need comprehensive coverage or collision coverage? In this blog post, we’ll explore the answer to that question.

First, we’ll examine what each type of coverage entails. Then, we’ll consider some factors that will help you decide which coverage is right for you. By the end of this post, you’ll know exactly whether you should get comprehensive or collision coverage. Let’s dive in.

The first thing to understand is what each type of coverage covers. Comprehensive insurance covers damage to your car that is not caused by an accident. This can include damage from weather events, fire, theft, or vandalism. Collision insurance, just as it sounds, covers damage to your car caused by an accident. This includes damage from hitting another vehicle or hitting a stationary object.

So which type of coverage should you get? The answer depends on a few factors. One factor is the value of your car. If you have a newer car or a car worth a lot of money, you’ll want both collision and comprehensive coverage.

Another factor to consider is whether you are still paying off your car. If you are, you’ll likely be required by your lender to have both collision and comprehensive coverage. This is because the lender wants to ensure their investment is protected in case of an accident.

But ultimately, if you can afford it, we recommend getting both collision and comprehensive coverage. This way, you’ll be protected against any damage to your car, whether from an accident or not.

Get Auto Insurance in Virginia Beach, VA

Now you know whether you should get comprehensive or collision coverage. If you’re unsure or have any other questions about car insurance, our Insurance Shopper VA team is here to help. Give us a call today, and we’ll be happy to answer all your questions.

Can auto insurance in Virginia help someone?

Those that live in the Virginia Beach, VA area will always want to ensure that they have a way to get around town. A great way to ensure that you are able to do this is by investing in your own vehicle. When you do buy a car, you also need to choose a new insurance plan for it. An auto insurance policy can help someone in this area in a few different ways. 

Provides Valued Coverage

One way that your auto insurance plan can help you is by receiving valued coverage. Anyone that is going to purchase a vehicle will want to know that it is covered and will last for a long time. With an auto insurance plan here, you can get the coverage necessary to repair your vehicle in many situations. This coverage can provide helpful liability insurance, which can be useful if you are ever deemed liable for damages in an accident.

Coverage Ensures Compliance

You will also find this coverage helpful because it can ensure you remain in compliance with various insurance requirements. If you have taken out a loan when you buy a car or want to drive the vehicle on a public road, you are going to need to have insurance. With a proper plan, you will remain in compliance with all requirements. 

If you are in the Virginia Beach, VA area and want to have proper insurance coverage, it would be a good idea to call Insurance Shopper VA. There are a lot of choices to make as you are looking for auto insurance and Insurance Shopper VA can make it easier for you. The team here excels at helping people understand their various needs and options. This will help people choose a plan that will properly protect their vehicles. 

Why is liability coverage essential for teen drivers?

Having a young driver in your home can be exciting and nerve-wracking at the same time. With their little experience, young drivers are likely to try things that can get them at higher risk for accidents or even get into trouble with the law. For any parent in Virginia Beach, VA, the safety of their teenage driver is crucial. That is why the Insurance Shopper VA stresses the need to buy adequate liability coverage in your teenage driver’s policy.

Encourage good behavior on the roads.

While proper insurance is critical, it will not be helpful if your teen is not disciplined. All drivers must follow auto insurance laws and regulations. Your teen should know that breaking these rules can land them into trouble with the law. Let your teen know that good driving records lower auto insurance premiums, and bad behavior will only get them into problems.

Work on safety training

Excellent lectures accompanied by proper safety training will give your teenager the confidence to hit the roads without causing accidents or engaging in activities that may put their lives at risk. Teens will be taught about distracted driving, decision making, and safe driving techniques.

Talk to your teen

Having enough liability is not meaningful if your teenager does not know why you bought it in the first place. Having a one-on-one conversation about insurance like the application process, the requirements, perils covered, and filing a claim can help your teenager understand the seriousness of accidents.  It would also help if you talked about other coverages such as collision, comprehensive, and the meaning of at-fault accidents.

Instead of worrying and panicking every time your teen picks up their car keys and heads out, invest in proper insurance, guidance, and training for your young driver. If you need help keeping your teen safe on our Virginia Beach, VA roads, speak to our experts at Insurance Shopper VA, and we will give you the peace of mind you deserve as a parent.

What You Can Do to Change Your Auto Insurance Premium

Your auto insurance premium may seem like a relatively static fixture in your life. In fact, you may not even really notice it until it goes up. But there are things that you can do that may influence your policy rate. Insurance Shopper VA wants everyone in Virginia Beach, VA to feel like they have some degree of control, whether they’re on the road or not. 

Drive Safer 

This is always going to be the best way to the best way to keep your insurance down. The fewer violations you have, the more likely it is that your rates will start going down. So limit the pressure on the gas pedal, and stop looking at your phone at red lights. And while this tactic will certainly take some time and effort to implement, there are far more benefits (for you and everyone else on the road) than just a lower premium. 

Call Your Carrier 

Most insurance agencies won’t tell you how you can save money on your premium, but they may discuss it with you if you call. Ask them what type of safety measures you can take to potentially lower your premium. Some options may include buying anti-theft technology or taking a driver safety course. Weigh the savings against the costs to see if it makes sense for you to try. Plus, if you’ve moved, been married, or change your job, this can affect your rates as well. Your auto insurance carrier will need to be notified of any changes that will affect your driving habits. 

If you want to learn more about ways to control your premium and your insurance, call Insurance Shopper VA today. We’re here to help the people of Virginia Beach, VA get the coverage they need. 

Virginia Is For Knowers: One Way That Auto Insurance In This State Differs From The Rest Of The Country

Insurance Shopper VA serving the Virginia Beach, VA and surrounding areas takes an extraordinary amount of pride in how they serve their customers and the beautiful community of Virginia Beach VA as a whole. Our particular concern for the residents of our beautiful area made us wonder all the more. Virginia is the only state in the union that has an uninsured motorist fee. Essentially drivers can register their vehicles without liability insurance. That’s right, If they pay a $500 uninsured motorist fee they can register a vehicle without insurance.

Why leave yourself uncovered?

What we urge all of our clients to do is to consider the liability and risk that is undertaken if you drive without insurance. If you are found to be liable or culpable in a motor vehicle accident, whether it is your fault or not the injured party can attempt to obtain your assets.

Your assets include your home, your car, real estate property, anything that you own that has financial value would be subject to seizure if a court deems it so. Having no car insurance also poses a significant risk to your own health and well-being. No coverage at all leaves you without any resource. 

Your Wise – The Risk Is Not Worth IT

The products we offer at Insurance Shopper VA are more than adequate to protect you from any personal liability in the event of an accident.  The peace of mind that comes with owning a comprehensive, and affective insurance policy far outweigh the risk of driving without one.  Call, stop in, or peruse our user friendly website to understand more about how we can protect your automobile. You can also learn about all of the other insurance products that we offer.

Are You An Underinsured Motorist?

While most people act responsibly by purchasing auto insurance, the Commonwealth of Virginia does not require drivers to take out such safeguards. Compounding that problem, many drivers only take out the minimum to save money, and those low coverage thresholds could leave you underinsured in the event of an accident. At the Insurance Shopper VA, our professionals are here to work with the good people of Virginia Beach, VA to create policies that provide secure coverage.

Uninsured Motorists

Virginia is one of only two states that do not require auto insurance by law. Drivers can satisfy their financial ability to drive by simply paying $500 to the DMV. Unfortunately, that fee does not provide coverage. If you’re involved in an accident with one of these legally uninsured motorists, there is no insurance to pay for the damage, injuries, or medical bills. That means your best protection is to have a comprehensive policy that supports your financial security.

Minimum Coverage Can Fall Short

In Virginia, drivers can also fulfill their financial obligation to operate a motor vehicle by purchasing auto insurance. The minimum standards in Virginia are determined per person for injury, per accident, and a minimum amount set for property damage. You also must carry uninsured motorist coverage at the same minimums. When you consider these coverage limits in a real-life context, it’s clear they can fall far short.

Stop and think about what it would cost to have only a minor surgery after a car accident. The excessive cost of health care could quickly exceed $25,000. Having a major injury and being forced to stay out of work for an extended period could be financially devastating. On the property damage side, few new vehicles cost less than $20,000. In reality, minimum auto insurance coverage leaves drivers underinsured and at risk. It’s important that you avoid placing yourself in a vulnerable position.

At the Insurance Shopper VA, our professionals will explore options that provide you with adequate and secure auto insurance coverage. We are here to serve the Virginia Beach, VA community and look forward to working with you. Contact us by phone or visit our office for any of your insurance needs.