Cheap Chesapeake Auto Insurance

Cheap Car Insurance Chesapeake VA

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Wondering if you're paying too much for auto insurance in Chesapeake VA? Well, we can help.

Too many people are throwing away their hard-earned money by paying too much for their Chesapeake auto insurance. Let us help you find the lowest insurance in the Chesapeake area.

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Virginia Auto Insurance Requirements

Even if your vehicle is not working or being used, from the very moment it is registered in Virginia until the day the registration expires, your vehicle MUST be insured, by law!

There is a penalty for registering a vehicle that is not covered by automobile liability insurance. The penalty is a $500 fee or suspension of your driver's license AND your vehicle registration, AND higher insurance premiums over the next 3 years.

The minimum liability insurance coverage allowed by law in Virginia is:

* $25,000 for bodily injury/death of one person
* $50,000 for bodily injury/death of 2 or more people
* $20,000 for property damage

Insurance Verification

Insurance companies provide the Virginia Department of Motor Vehicles with electronic updates containing information on insured persons and their vehicle descriptions whenever the company cancels auto insurance, or adds/writes new coverage for motor vehicles registered in Virginia.

The DMV verifies that all motor vehicles are properly insured by comparing vehicle registration information (which is 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 will require that the motor vehicle owner furnish the liability insurance information to DMV for verification.


Consumers have certain rights by law. The law in Virginia provides that if an insurance company refuses to issue an automobile insurance policy to you, that company must tell you the reasons why. You may have to ask for the reasons, however. If you are refused insurance, ask why. It may be that the insurance company's decision was based on incorrect information. You have the right to obtain a copy of the company's file concerning you. If the file contains wrong information, you are allowed to correct that information.

* FYI *

The leading cause of death for persons between the ages of 15 and 20 is an auto accident! Since driving is such a complex task, teenagers under the age of 18 must complete 45 hours of behind-the-wheel driving experience in order to get a driver's license.

Cell Phone Use While Driving

Drivers who are younger than 18 years old in Virginia may NOT operate a motor vehicle on Virginia highways while using a cell phone or any other wireless communication device, even if that device is considered to be "hands-free." Sending or receiving a text message is also prohibited by law. There is however, an exception made for emergencies or if the auto is stopped or parked.

Q & A

Question - What happens if a person under the age of 18 gets a ticket?

Answer - If a person under the age of 18 is convicted of a "demerit-point" traffic violation, the teen must complete a driver improvement clinic. If that clinic is not completed satisfactorily within 90 days, the teen's permit or license will be suspended until the clinic is completed.

Question - Why do young men pay more for automobile insurance than young women do?

Answer - Insurance companies use the statistics gathered from past history to determine the insurance rates they charge. History has shown that male drivers under the age of 25 are much more likely to be involved in accidents. Young women under the age of 25 have fewer accidents than their male counterparts. So the females under age 25 are charged less on their auto premiums than the males are charged.

Tips to Save on Auto Insurance:

* * Pay quarterly, semi-annually, or annually; not monthly.

* * Do not buy a car model that is frequently stolen.

* * Remove risky drivers from your policy.

* * Increase your policy deductibles

* * Buy a car with safety features - (alarm system, tracking device)

We're glad you stopped by our site. We encourage you to get all the information you can about automobile insurance so that you can make an informed decision. Don't forget to enter your zip code in the box above so we can give you the quotes you need. Then purchase the policy that's right for you!
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Auto Insurance Agents & Agencies In Chesapeake VA:

Savage & Mcpherson Ins Agency
4400B Indian River Rd
Chesapeake, VA 23325

Garlow Insurance Agency Inc
312 Cedar Lakes Dr
Chesapeake, VA 23322

G W Brothers Inc
809 Greenbrier Pkwy
Chesapeake, VA 23320

Tom Hoddinott
3333 Station House Road
Chesapeake, VA 23321

Nicholas Carosello
2449 Taylor Rd Ste A
Chesapeake, VA 23321

W T Jennings Ins Agency Inc
1524 Volvo Pkwy
Chesapeake, VA 23320

Ty Anderson & Assoc Inc
342 Battlefield Blvd S
Chesapeake, VA 23322

Allstate Insurance Agency
681 Battlefield Blvd N #L
Chesapeake, VA 23320

109 Volvo Pkwy Suite 5
Chesapeake, VA 23320

Rita Ladybug Keels
237 Carmichael Way Suite 227
Chesapeake, VA 23322

John F Dobson Ins Agcy
3300 Western Branch Blvd
Chesapeake, VA 23321

Savage & Mcpherson Insurance Agency
376 Kempsville Rd
Chesapeake, VA 23320

Al Vincent's Auto Insurance
1024 Battlefield Blvd N
Chesapeake, VA 23320

Vilai Yang
816 Greenbrier Cir Suite 207
Chesapeake, VA 23320

Patricia Ortiz
816 Greenbrier Cir Suite 207
Chesapeake, VA 23320

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