Best cheap car insurance quotes in Alton
Virginia laws
require all Alton drivers to carry minimum liability insurance
of 30/60/20, including property damage liability and bodily injury liability coverage.Drivers must also carry uninsured motorist coverage
to at least the same limits. Cheap minimum liability insurance quotes in Alton
Let’s break down the minimum required liability coverage for Alton drivers:
But that’s not all—just over 10% of Virginia drivers are uninsured. That’s why Virginia also requires uninsured motorist (UM) coverage
for all Alton drivers. UM coverage must include the same levels of protection as liability coverage. Underinsured coverage is similar, but it kicks in when the person doesn’t have enough coverage.
Virginia is an at-fault state
. If you get into an accident in Alton with a driver who does not have insurance, you’ll have no recourse for damages with liability-only coverage. But with UM coverage, you’re safe.Here are the required coverage levels for UM in Alton:
$60,000 in uninsured motorist bodily injury per accident
$20,000 in uninsured motorist property damage per accident
Under the Virginia state code, no Alton driver is exempt from these requirements.
You can find affordable minimum liability and uninsured motorist coverage in Alton with help from Jerry—like the drivers below.
Coverage
State Minimum
Alton, VA
(Zip Code: 24520) Mitsubishi Mirage G4 SE Do you need more than minimum coverage in Alton?
You won’t be breaking any laws if you stick with the minimums, but many Alton drivers prefer higher limits to get more protection in the event of a serious car accident.
Consider the costs after a major crash. From medical expenses to car replacement fees, you could be sued for hundreds of thousands of dollars if you cause a crash. Virginia’s minimum coverage may not cover all these fees—which means you’d be on the hook.
It’s smart to get as much liability coverage as you can afford, and the extra protection may not cost you as much as you think. Check out some sample rates below.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—or get full coverage on your car.
Cheap full coverage car insurance quotes in Alton
Did you know that liability coverage only protects other people? Full coverage in Alton is the only way to protect yourself and your car, whether from storm damage or traffic accidents.
A full coverage policy includes comprehensive
and collision coverage
. Collision coverage: If your car is damaged in a collision, this coverage will pay for repairs.
Comprehensive coverage: If you suffer non-collision damage—like theft, storm damage, or vandalism—this coverage will kick in.
A lender can require you to carry full coverage on a financed vehicle. That’s because they want to protect their investment while it’s being paid off. Make sure you consult with your lender before selecting an insurance policy in Alton.
Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $108 | | Mitsubishi Mirage G4 SE |
• State Minimum Liability • Comp / Collision | Clearcover | $88 | | Mitsubishi Mirage G4 SE |
• 30,000/60,000 Liability • Comp / Collision | State Auto | $117 | | Dodge Charger R/T |
Last Updated Oct 3, 2024
The easiest and fastest way to find the cheapest car insurance in for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.