Auto Insurance Quotes in VA Beach VA - [Mom Prepared] (2025)

Auto insurance is a must-have for any family, especially for those with multiple vehicles and drivers of varying ages. In VA Beach, VA, the Smith family knows the importance of having proper coverage to protect their assets and loved ones on the road. Let’s take a closer look at their situation and how they navigate the world of auto insurance.

Meet the Smith family – John and Sarah, a husband and wife raising three children of various driving ages. They have a busy household with four vehicles to insure, each serving a different purpose and driven by different family members. Let’s take a look at their car lineup and the types of coverage they have for each vehicle.

Vehicle 1: John’s daily commuter car

John drives a reliable sedan to work every day. The Smiths have full coverage on this vehicle, including liability, collision, and comprehensive coverage. The monthly premium for this car is $150.

Vehicle 2: Sarah’s SUV for family outings

Sarah’s SUV is the go-to vehicle for family outings and school pickups. They have the same coverage as John’s car, with a slightly higher premium of $175 per month.

Vehicle 3: Teenager’s first car

Their oldest child recently got their driver’s license and was gifted a used car for their birthday. The Smiths added their teenager to their insurance policy with a teen driver discount, but their premium still increased to $250 per month for this vehicle.

Vehicle 4: Family minivan for road trips

The Smiths use their minivan for road trips and hauling sports gear for the kids. They have basic liability coverage on this vehicle, with a monthly premium of $100.

With four vehicles to insure and multiple drivers in the household, the Smiths are no strangers to the complexities of auto insurance. Over the years, they have encountered various driving infractions that have impacted their insurance rates. Let’s take a look at five common driving infractions and how they affected the Smith family’s premiums.

1. Speeding tickets

John was once pulled over for speeding on his way to work, resulting in a hefty fine and a spike in their insurance premium. The speeding ticket raised their rates by 20%, costing them an additional $50 per month.

2. At-fault accident

Sarah rear-ended another car while driving the kids to soccer practice, causing significant damage to both vehicles. The at-fault accident led to a 30% increase in their insurance premium, amounting to an extra $75 per month.

3. DUI conviction

Their middle child made a poor decision to drive under the influence after a party, resulting in a DUI conviction. The DUI offense caused their insurance rates to skyrocket by 50%, adding $125 to their monthly premium.

4. Reckless driving

Their teenager was caught street racing with friends, leading to a reckless driving charge on their record. The reckless driving offense increased their insurance rates by 40%, costing them an extra $100 per month.

5. Driving without insurance

John forgot to renew their insurance policy one month, leading to a lapse in coverage. Driving without insurance resulted in a significant penalty and a 50% increase in their rates, amounting to an additional $125 per month.

As the Smith family navigates the world of auto insurance in VA Beach, they have encountered various challenges and learned valuable lessons along the way. To help other families in similar situations, here are 12 common questions about auto insurance in VA Beach, VA, along with the answers:

1. What are the minimum auto insurance requirements in VA Beach, VA?

In Virginia, drivers are required to carry a minimum of $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability coverage.

2. What factors can affect my auto insurance rates in VA Beach, VA?

Several factors can impact your auto insurance rates, including your driving record, age, gender, location, credit score, and the type of vehicle you drive.

3. How can I lower my auto insurance premiums in VA Beach, VA?

You can lower your auto insurance premiums by maintaining a clean driving record, bundling your policies, raising your deductibles, and taking advantage of discounts offered by insurance companies.

4. What types of coverage should I consider for my vehicles in VA Beach, VA?

It’s important to have liability, collision, and comprehensive coverage for your vehicles in VA Beach, VA, to protect yourself and your assets in the event of an accident or other unforeseen circumstances.

5. Can I add my teenager to my auto insurance policy in VA Beach, VA?

Yes, you can add your teenager to your auto insurance policy in VA Beach, VA, but be prepared for an increase in your rates due to the higher risk associated with teen drivers.

6. Are there any discounts available for multiple vehicles in VA Beach, VA?

Many insurance companies offer discounts for insuring multiple vehicles on the same policy, so be sure to ask your insurance provider about any available discounts.

7. What should I do if I’m involved in an accident in VA Beach, VA?

If you’re involved in an accident in VA Beach, VA, you should exchange information with the other driver, take photos of the scene, and contact your insurance company to file a claim as soon as possible.

8. Is uninsured motorist coverage required in VA Beach, VA?

Uninsured motorist coverage is not required in Virginia, but it’s highly recommended to protect yourself in case you’re involved in an accident with an uninsured or underinsured driver.

9. How often should I review my auto insurance policy in VA Beach, VA?

It’s a good idea to review your auto insurance policy annually or whenever there are significant changes in your driving habits, vehicles, or family situation.

10. Can I switch insurance companies in VA Beach, VA if I find a better rate?

Yes, you can switch insurance companies in VA Beach, VA if you find a better rate, but be sure to compare quotes and coverage options before making a decision.

11. What should I do if my auto insurance rates increase in VA Beach, VA?

If your auto insurance rates increase in VA Beach, VA, you can shop around for better rates, ask your current provider for discounts, or consider adjusting your coverage to lower your premiums.

12. How can I find the best auto insurance policy for my family in VA Beach, VA?

To find the best auto insurance policy for your family in VA Beach, VA, compare quotes from multiple providers, consider your coverage needs, and choose a reputable insurance company with good customer service and financial stability.