Chesterfield Virginia Insurance Agent

The Insurance Advisor® of Chesterfield Is Your Trusted Partner

Chesterfield Virginia Insurance Agent | The Insurance Advisor® of Chesterfield | (804) 638-9024Often times our agents meet potential customers who have had an insurance agent for years and whom they have never met.  It is shocking to me that people put their life in the hands of a stranger and have no personal connection or relationship with their Chesterfield Virginia Insurance Agent. The Insurance Advisor® of Chesterfield agents pride ourselves on the fact that we take great interest in our clients’ and their family’s well-being. It is important that our clients trust the staff and licensed agents of our company.

We sit down with our clients and give a comprehensive account review to make sure they have the best protection.  We explain the coverage options, benefits, and potential risks based off their needs versus current their current insurance coverages. We take the time to walk our client’s through every step of the decision process to make their experience as educational and informative as possible.

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Scary Rising Virginia Insurance Prices

 What To Do About Rising Virginia Insurance Prices?

 

 

Do Not Be Afraid!

Call The Insurance Advisor

A Virginia Independent Insurance Agency

The Insurance Advisor is a full service Virginia Independent Insurance Agency with locations in Richmond, Petersburg, and Chesterfield Virginia.  We represent many top-rated Virginia insurance companies and can find the best coverage for the price.  You get the best value for the Virginia insurance coverages you need.

For our clients’ convenience, our Insurance Agents are available in and out of the office and during non office hours.  Yes,  we give our clients our cell phone numbers. We also answer our office phone–no multi-layered prompts.  We are dedicated to providing the most exceptional and timely customer service in the industry.

 

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A few Virignia Insurance Companies we represent include:  AIC,  Allied,  Anthem,  Arrowhead,  Augusta Mutual,  Blue Cross Blue Shield,  BTIS, CNA,  Dairyland,  Donegal,  Encompass,  Foremost,  Grange,  Hagerty,  Humana;  Kemper,  Main Street,  Lincoln Financial,  Mercury,  MetLife Auto & Home,  Mutual of Omaha, NetComp,  Safeco,  Starr DoveTail, Tapco,  The Hartford, The Tower Group,  Titan,  Travelers,  and many more.

 

Access Risks    Shop Companies    Save Money
“We Do The Shopping For You”

For Your Business

Our Virginia Business Insurance offerings include products and risk management services–we are your full service Virginia insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the Virginia Commerical Insurance coverages and services for your business.

For Your Personal Life

Our Virginia Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service Virginia insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the Virginia insurance coverages and financial services for your personal needs.

The Best Value and Customer Service 

The Insurance Advisor agents combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia insurance and services you need.

Call or visit our office today for a free, no obligation risk assessment and quote.

 Let us do the research and find the best value for the Virginia insurance you need.

Chesterfield Virginia All-Terrain Vehicle Insurance Coverage

Chesterfield Virginia All-Terrain Vehicle Insurance Coverage is Very AffordableChesterfield Virginia All-Terrain Vehicle Insurance Coverage by The Insurance Advisor® of Chesterfield  (804) 638-9024

Many people own ATVs (all-terrain vehicles), whether they’re used for work or play.  Unfortunately, many of ATV owners are not covered by their Home or Auto Insurance policy.  If their ATV is stolen or badly damaged it may not be covered.  The Insurance Advisor® of Chesterfield can help you get the Chesterfield Virginia all-terrain vehicle insurance coverage you need to protect you and your investment.
Many states require ATV insurance for vehicles operated on state-owned land, and your homeowners policy might not cover you, or other riders on your ATV, if you ride off your own property. That’s why Chesterfield Virginia all-terrain vehicle insurance coverage  is especially important.

There are several types of ATVs and The Insurance Advisor® of Chesterfield can help you get the correct Chesterfield Virginia all-terrain vehicle insurance coverage you need.   The types of all-terrain vehicles include:

Off-Road Utility Vehicles

A “Utility vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-three inches or less in width, with an unladen dry weight of 1,850 pounds or less, traveling on four or six wheels, to be used primarily for landscaping, lawn care, or maintenance purposes.”

  • Utility vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.  Examples of off-road utility vehicles include, but are not limited to:
    • Minicab,
    • Mule,
    • Gator,
    • Max/Buffalo, Etc.
  • Utility vehicles cannot be operated upon the highways of this state unless they are:The operator must have a valid driver license, but does not have to be motorcycle qualified.
    • Owned and operated by governmental entity for official use,
    • Operated for agricultural or industrial on-premise purposes, or
    • Operated by handicapped persons for short distances on secondary roads.
  • Cities/counties are allowed to issue special permits for utility vehicles to be used on county roads within the county or on highways within the city to licensed drivers for a fee of $15. The fee is to be kept by such city/county.
  • The seller of a utility vehicle is responsible for collecting and remitting all applicable state and local tax on new utility vehicles.
    • Utility vehicle owners may qualify for a “farm use” tax exemption.

Recreational Off-Highway Vehicles

A “Recreational Off-Highway Vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-four inches or less in width, with an unladen dry weight of two thousand pounds or less, traveling on four or more nonhighway tires, with a nonstraddle seat, and steering wheel, which may have access to ATV trails.”

  • Recreational off-highway vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.

The Insurance Advisor® of Chesterfield offers a variety of ATV insurance coverages, including:

Comprehensive

In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.

Collision

Collision pays for significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Due to the rough nature in which many ATVs are used, Collision does not provide coverage for scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.

Bodily Injury & Property Damage Liability

ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.

Uninsured/Underinsured Motorist

If the person at fault for an accident doesn’t have insurance – or doesn’t have enough insurance – Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of ATV insurance coverage you want, and you’re protected up to those limits.

Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low:

Ride Smart.  If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.  Choose the right ATV for your needs. For example, if you race ATVs, those vehicles are considered more aggressive machines, and typically cost more to insure.

Similar to  Chesterfield Virginia all-terrain vehicle insurance coverage, The Insurance Advisor® of Chesterfield offers recreational vehicle insurance, boat insurance, powersports insurance and motorcyle insurance coverages.  Owning additional ATVs on your policy will qualify you for multi policy discounts.  Please contact one of our insurance agents for any assistance. 

According to The Virginia Department of Revenue, you have 30 days from the date of purchase to title and pay sales tax on your newly purchased ATV.  If you do not title the ATV within 30 days, there is a title penalty of $25 on the 31st day after purchase. The penalty increases another $25 for every 30 days you are late with a maximum penalty of $200.

Resources:

DMV.org

 


Why Choose The Insurance Advisor® of Chesterfield?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the The Insurance Advisor® of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at The Insurance Advisor® of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

The Insurance Advisor® of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

New Team Member–The Official Insurance Advisor

 ***  BREAKING NEWS  ***

We are pleased and excited to announce our newest Team Member who will be our “Official Spokes Person:”

The Insurance Advisor--Assess Risks, Shop Companies, and Save Money. (804) 638-9024

 The Insurance Advisor

The Insurance advisor has many resources and emotions to depict every insurance issue and situation.  He will be providing important insurance information and education to the residents of Virginia.  In addition to his informative post on our website, you may see him occasionally on social media channels such as Facebook, LinkedIn, and Tweeter–although he does enjoy and likes StumbleUpon, Tumblr, and a few others.

The employment interview and selection process was challenging; however, The Insurance Advisor was well prepared and had the qualities we were seeking for our spokes person.  Honest, Fair, Educated, Knowledgeable of all Insurance matters–extreme knowledge of the many top-rated companies that we represent–why he even knew most the company underwriters’ first and last names!!  Needless to say, we are indeed fortunate and thankful that The Insurance Advisor is now representing The Insurance Advisor Insurance Agency!  Here are a few expressions and emotions that blew us away:

The Insurance Advisor

 

Hey.  I found four more discounts that you are eligible to receive.  And with your great driving record and good credit you could be saving another 15%.  It is time to start looking for that motorcycle–now that you have so much savings!

The Insurance Advisor

 

Caution.  Before you renew your business insurance, better let me shop it with top-rated companies to get the coverages you need for the best price.  You should also have a risk analysis done–and you could save more, if you had one of our custom safety programs!

 

The Insurance Advisor

Some things are like a light bulb coming on right in front of you.  Getting quotes from dozens of top-rated insurance companies just makes a lot of sense.  A local agent, shopping my insurance, getting me the coverages that I need for the lowest cost!  How bright!

The Insurance Advisor

 

 

Yikes!  The other insurance company is trying to  claim that my client is at fault.   I will get our legal team on this immediately!

 

 

 

The Insurance Advisor

 

 

 

Ok.  So I did not make it as a comedian.  You can still save a lot of money and get the insurance coverages you need!  Give me a call:

(804)  638-9024

 

 

 

 

 

 

 

Virginia Insurance and Financial Services Information and Education

Thank You for Visiting Our Virginia Insurance News & Education Blog

The Insurance Advisor is a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  You get the best value for the insurance you need.  In addition to personal and business insurance, we also represent many Financial Services and Health Insurance companies.

 

Virginia Insurance News, Information & Educational Resources

This blog and our site is dedicated to providing useful Insurance and Financial Services information and resources.   Below  is a summary of our resources:

  • Blog Post are segmented by Categories which are links found on the right sidebar.
  • Relevant Insurance and Financial Services Authority Sites are also links on the right sidebar.
  • Relevant Feeds of Summary Articles from Authority Sites are on the right sidebar.T
  • Authority Links are often found on individual Posts as referenced documentation.
  • Quotes–get a free, no obligation risk assessment and  quote—Call or eMail a request.
  • Client Services–From Claims to Policy Changes–click Client Services tab on the top Nav Bar.

Thank you again for visiting our Blog.  Please let me know if you have any suggestions with a comment.  Enjoy!

 Press Release: The Insurance Advisor is the 2013, 2014, and 2015 Best of Richmond Award recipient for the Insurance Company category.

The Insurance Advisor | Recipient of the Best-of-Richmond-2013-Award-Winner for Insurance Agencies | (804) 638-9024Best of Richmond Insurance Company 2014 award recipient The Insurance Advisor is Awarded "Best of Richmond" for the Insurance Category.

 

 

 

 

 

 

 

The Insurance Advisor, LLC is the “2015 Best of Richmond Award” recipient for the Virginia Insurance Company category. This makes the third year in a row we have received this award (2013, 2014, & 2015)!  Thanks to our clients, carriers, service providers, Smart Choice, and associates!!

The Richmond Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

Each year, the Richmond Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the area a great place to live, work and play.

 

Why Choose The Insurance Advisor?

For our clients’ convenience, our Agents are available in and out of the office and during non office hours.  Yes,  we give our clients our cell phone numbers. We also answer our office phone–no multi-layered prompts.  We are dedicated to providing the most exceptional and timely customer service in the industry.

A few Virignia Insurance Companies we represent include:  AIC,  Allied,  Anthem,  Arrowhead,  Atlas, ASI, Augusta Mutual,  Blue Cross Blue Shield,  BTIS, CNA,  Dairyland,  Donegal,  Dovetail, Encompass,  Foremost,  Grange,  Hagerty,  Humana;  Kemper,  Main Street,  Lincoln Financial,  Liberty Mutural, Mercury,  MetLife Auto & Home,  Mutual of Omaha, NetComp,  Safeco,  Starr DoveTail, Tapco,  The Hartford,  Titan,  Trans America, Travelers,  and many more.

Access Risks    Shop Companies    Save Money

“We Do The Shopping For You”

Virginia Insurance Compaines Represented by The Insurance Advisor | North Chesterfield VA (804) 638-9024

 

Insurance For Your Business

Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the coverages and services for your business.

Insurance For Your Personal Life

Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.

The Best Virginia Insurance Value and Customer Service

We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia insurance and financial services you need.

Call, request a quote by email, or visit us at one of our offices today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Virginia Insurance you need.