Reader’s Question:

Is it absolutely necessary for me to get auto insurance here in Richmond Virginia VA? I really don’t want to spend too much money on this.

Rey

Richmond Virginia VA

Well, Rey, let me be clear about this: no matter what kind of car you drive, the law requires that you at least get liability coverage in Richmond Virginia VA. In case an officer stops you for a moving violation and finds out that you don’t have insurance coverage, you could be fined, your license and vehicle registration could be suspended and your vehicle impounded. Your auto insurance should at least provide medical benefits for you or any injured parties as well as coverage for property damage in case of an accident. There are other optional coverages, which would, of course also add onto your premiums.

Don’t worry, though – you can usually choose the level of premiums based on what you can afford. In fact, entering your zip code in the blank box on this site would allow you to do just that. Some insurers in Richmond Virginia VA offer discounts if you’ve got a good driving record, install safety gadgets in your car or opt for multiple coverage. Your auto insurance premiums may also be affected by such things as the type and age of your vehicle, your average annual mileage, sometimes, even your credit information. A good way to ensure that you’re getting the best deal possible is to request for free quotes in this site. The information available through links from this site can really help you save on your insurance premiums.

Tags: auto insurance, cheap auto 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:

My girlfriend got a DUI and she wants to get her license. She was told she needs to get an SR22 to get her license back. She doesn’t have a car right now so how does she get insurance for a car she does not have?

Sam

Richmond, VA

Your girlfriend will need a non-owners SR-22 if she does not own a car nor has a car in his household in which to place an car insurance policy upon.

If the state of VA requires an SR-22, certificate of financial responsibility, as part of the terms of reinstatement for your girlfriend’s driver’s license then she will need to acquire and maintain one even if she does not own a car. If you own a vehicle, normally you get the mandated liability coverages and SR22 filing on the car(s) you own. If you do not own a vehicle then you get a non-owners policy which is still the mandated coverages plus the get the SR-22 filed in Virginia as required there is just no vehicle to list on the policy.

Generally, a non-owners SR-22 permits the named insure to operate any car that they are given permission to drive by the vehicle owner, unless the car is owned by a household member.

Q: I retired a few months ago, but I’m going to need Virginia SR22 car insurance for one more year. Is there anyhing special for retirees so I can save some money?

A: Well, as a retiree, you’re now in the age group that has the lowest car insurance rates, so you should see your Virginia SR22 car insurance premium drop pretty soon without your even touching it. In addition to that, most car insurance companies offer a special discount for seniors. If you go in for regular check ups and take classes to keep you up to date on your driving skills, many car insurance companies will give you discounts for that as well.

If that isn’t enough for you, you can instead go with a company like AARP Hartford, which is a car insurance company that caters to retired people and offers special pricing, as well as promises that your policy will not be cancelled except for things such as non payment. AARP Hartford also offers defensive driving classes at a low rate, which you can take to get a discount on your Virginia SR22 car insurance.

Q: I spend a lot of time in school, at work, and studying, so don’t really have free time to research Arlington SR22 car insurance discounts. Can you give me an idea of what’s out there for me?

A: Since you’re a student and seem to be pretty dedicated to your schoolwork, then you can probably save money on your Arlington SR22 car insurance coverage by applying to it couple of discounts available just to students.

One of these is the good student discount, which you should be able to have added on to your Arlington SR22 coverage. If you are under the age of 25 (and over 16), unmarried (with some companies), are a student at high school or college full time, and make good grades, then you can get as much as 20% off, depending on what car insurance company you are with.

Another thing you can do is keep your name on your parent’s car insurance policy and leave your car at home with them. If you live over a hundred miles away from where you go to school, there’s a discount for this.

Q: What is Chesapeake SR22 insurance?

A: A Chespeake SR22 form must be filed when you have had your license suspended and need proof of insurance in order to get it back. That proof of insurance, the SR22, has to go to your Department of Motor Vehicles every month, or you can simply say goodbye to your driver’s license.

In Virginia, you Chesapeake SR22 form should be filed for a period of three years. During those three years, you should be on your best behavior, and your prices will be higher than you might have expected, so you will also have more trouble finding affordable insurance, although you do have options. Even after your three years are over, you will still feel the negative effects of your Chesapeake SR22 for two more years.

Filing a Chesapeake SR22 is only required if you want to unsuspend your license. If you think you can do without driving, then you can go ahead and leave it unsuspended for three years and just avoid getting behind the wheel.