Reader’s Question:

How will I determine if I will be required for SR22 filing in Alexandria, Virginia VA?

Aubrey

Alexandria, VA

First of all, women are usually regarded as lower risk than men in VA. The local insurers in Virginia and the state’s DMV determine an operator’s requirement for SR-22 or high-risk auto insurance.

High-risk SR-22 financial responsibility insurance policy is a rider to a high-risk auto insurance policy. This really serves as a guarantee, by your local insurance company in Alexandria, Virginia, that you have and will keep in effect at least the very basic mandatory liability insurance for a specific period of time. It is a mechanism for the State of Virginia to monitor your responsibility as a driver to obtain and maintain an SR-22 insurance policy. Not all insurance companies in Virginia VA can or will provide SR22 insurance coverage.

Once your license is suspended, you will be required to comply with the State of Virginia’s requirements. Your simple remedy would be to purchase liability insurance utilizing the Virginia minimum requirements in filing an SR22 high-risk auto insurance form with the State DMV. These policies may be one of two types: owner or non-owner policy.

You can contact your local insurer to get more details of products available for SRR insurance filing. You may also shop using this website to get free quotes online and compare.

Tags: DUI insurance, non-owner auto insurance, non-owner policy, sr22, SR22 filing

Reader’s Question:

My car insurance policy is very high because my license is suspended. What should I do to lower my car insurance rate in Virginia?

Mike

Burke, VA

The only thing you can do right now is to shop for an insurer that is more lenient toward suspended licenses.

Every insurance providers files rates that specialize in risks. Some insurers file different programs or rates that are setup to handle different types of situations. For instance, many standard insurers like Progressive, Allstate and State Farm file their car insurance rates to attract consumers with less problems.

You need to find an insurance provider that has a car insurance rate for your specific needs. You can also get a free quote here to get an instant car insurance quote by placing your zip code in the space provided. You may also try to contact your car insurance company to check if they can give you an advice on how to lower your car insurance.

Tags: advice, auto insurance premium, Car insurance discounts, car insurance quotes, car insurance rate

Reader’s Question:

I would like to shop for auto insurance quotes but would like know if doing it online would be a very good idea or would it better for me to do shopping around Annandale, Virginia.

Alex

Annandale, Virginia VA

Computer shopping has revolutionized shopping experience for most consumers, including auto insurance policy buyers. This results to auto insurance companies competing for you and cutting down rates.
Car insurance companies in Annandale, Virginia have resorted to internet marketing which tells us that we can lower our auto insurance rates with minimal effort. You can spend just fifteen minutes which can save you a ton on your car insurance by just shopping on line. You can either save a lot of money on auto insurance by spending a little time or a lot more money by spending a little more time. The fact remains that you are never going to save on your car insurance unless you try.

The internet changed the old car insurance paradigm, in which you had little power or information, and the auto insurance companies had lots of both. Recently, with web sites like this, every customer who walks through an insurance agent’s door is a potential car insurance expert already. Car insurance agents in Annandale, VA therefore have to take customers more seriously. Consumers are no longer limited by geographic constraints and the nationwide competition among car insurers has pushed prices down even further, which is more beneficial for you than not.

Tags: auto insurance, auto insurance application, car insurance

Reader’s Question:

As a consumer, I might not have any political arguments or valid social issues when it comes to auto insurance rates being determined unfairly. Although, I personally feel that these categories in Alexandria, Virginia are discriminatory. Would anyone have ideas on issue relating to auto insurance companies determining premium rates?

Wesley

Alexandria, Virginia VA

There are many arguments that can be made for the case that car insurance rates are discriminatory in Alexandria, Virginia VA. I agree that they discriminate based on age - the oldest and the youngest pay more, even if they are good drivers. You might also think they discriminate on the basis of gender, with women paying less for insurance than men. Even more discriminating against unmarried people, and since certain groups are not allowed to marry, this amounts to discrimination against them as well.

Auto insurance companies in Alexandria, Virginia VA do not hide this fact though. Part of the business of selling auto insurance is to do some calculated risk. If auto insurance companies would not ‘discriminate’ on the basis of age, gender, or marital status, then how can they set their pricing? Auto insurance premium rates are based on some risk factors, which means that auto insurers will calculate risk factors on them so they can set their premiums on specific consumers.

I think the more politically correct term would be something else other than discrimination. It might be more pleasant to the ears if those categories be called as ‘classifications’ rather than discrimination in Alexandria, Virginia VA.

Tags: auto insurance, auto insurance application, car insurance

Reader’s Question:

I was charged a DWI offense in Arlington, VA when I was driving but I wasn’t drinking. I just took a prescription medicine before I drove home from work. Do you know if my DWI arrest can be dismissed?

Misty

Arlington, VA

That’s a very good question Misty. I often hear people claims that they just recently took a prescribed medication and was charged DWI and after the case they were still found guilty. If the medication is capable of causing impairment or intoxication, you can still be charged if not a DWI offense, it sure will be a DUI offense. Often, the police will assume that the impairment was caused by a medication if you admit that you have taken anything. Officers are not usually trained in medications that can cause impairment. Common prescribed medicines that can cause impairment are: Xanax, Valium, Hydrocodone and Codeine.

Under the Virginia Code Section 18.2-266, it states that it is unlawful for any individual to operate any motor vehicle under a blood alcohol concentration of 0.08% or more or if a person is under the influence of any narcotic medication or self administered intoxicant. There are two basic ways that a prosecutor may prove that the defendant is indeed intoxicated. The first one is for the prosecutor to show that the defendant’s blood alcohol content level was within the legal limit or more at the time he or she was driving. It can easily be proven by a breath test or a blood test. The second one is to prove that while driving, the defendant was under the influence of alcohol or drugs. In order to claim his attempt to prove the defendant is guilty, he will have to present the results of chemical tests and his or her driving behavior.

Reader’s Question:

I bought GAP insurance when I bought my vehicle four years ago. When I renew my registration in Alexandria, VA, can I use this insurance information as proof of insurance?

Renee

Alexandria, VA

No, normally GAP insurance would not be accepted by a DMV as proof of insurance on a car when you are going to renew your registration in Alexandria, VA.

GAP is not a type of primary insurance. Gab does not provide any coverage if you do not have comprehensive and collision and are at fault in an accident. Gap pays the difference between what an insurance carrier would pay you if your vehicle is declared a total loss and the balance of your loan.

State financial responsibility laws vary but in most states that require you to show proof of insurance when you renew registration and at the time of registration require you to that you have the state minimum liability requirements. These depends upon state laws. In many states it is property damage liability and bodily injury liability with at least the minimum limits set by the state. In some no-fault states, it may be personal injury protection (PIP) and property damage that you must show proof of to the DMV in Virginia.