Auto Insurance in North Chesterfield, VA

From unpredictable weather to distracted driving, our vehicles encounter numerous daily risks. Karla’s Insurance Agency, Inc. in North Chesterfield, Virginia, can help reduce the financial impact of these risks by providing tailored auto insurance solutions. 

What Is Auto Insurance? 

Auto insurance is a contract between you and an insurer offering financial protection for your vehicle, medical costs, and losses you cause to others. Generally, auto insurance can provide the following coverage options:  

• Bodily injury liability—This may help cover medical costs for passengers in the other vehicle if you’re at fault in an accident. 

• Property damage liability—This may cover damages you caused to property if you’re at fault in an accident, including other vehicles and stationary objects. 

• Collision coverage—This may cover personal vehicle damage for accidents with other vehicles or stationary objects, rollovers and pothole damage.  

• Comprehensive coverage—This may protect your vehicle from events outside your control, such as theft, vandalism, fire and natural disasters. 

• Uninsured/underinsured motorist coverage—This may provide coverage if you’re hit by an uninsured or underinsured driver or involved in a hit-and-run. 

• Medical payments coverage—This may offer medical payments for you and your passengers after an accident, regardless of fault. 

• Personal injury protection—This may cover medical payments, lost wages and funeral expenses for you and your passengers, regardless of fault and may have a deductible. 

Who Typically Has the Cheapest Auto Insurance? 

When it comes to car insurance, several factors influence the cost. However, some groups tend to find more affordable options: 

• Safe drivers—Those with a clean driving record often enjoy lower rates. 

• Experienced drivers—Mature drivers (typically over 25) may receive better rates due to their experience. 

• Low-mileage drivers—Some insurers may offer discounts if you don’t drive much, and participate in a usage-based insurance (UBI) program or mileage-tracking program, which uses telematics to track driving behavior. 

• Good students—Students with excellent grades may qualify for discounts. 

• Certain occupations—Some professions (e.g., active military, teachers, engineers) may get discounts. 

How Much Does Car Insurance Increase After an Accident? 

After an accident, car insurance rates may go up. The extent of the increase depends on factors like the severity of the accident, your driving record and the insurance provider. However, the exact amount can vary widely based on these factors. On average, at-fault accidents causing property damage increase rates and accidents involving injuries can lead to further increases. 

Car Insurance Deductible: What Is It? 

A car insurance deductible is the sum you must pay upfront before your insurance starts covering the remaining costs of specific claims. Typically, deductibles range from $100 to $1,000 or more, with $500 being the most common. Opting for a higher deductible can reduce your premium, but ensure it’s manageable should you need to file a claim. Your agent can help explain which types of claims may be subject to a deductible under your policy. 

Contact Us 

If you are looking to learn how to get car insurance for the first time or have not set up a new policy in a while, you might be wondering where to begin. At Karla’s Insurance Agency, Inc., we streamline the process for you. Reach out to us today to get started.