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Auto Insurance Quote Chesterfield Virginia

Our Team + Advanced Automation = Superior Service℠

Auto Insurance Quote Chesterfield Virginia from Mutiple Carriers by The Insurance Advisor Virginia (804) 638-9024Have you been searching the internet for “Auto Insurance Quote Chesterfield Virginia.”  If so, your search is over!  Just click on our Instant Quote Line and complete the online Auto Insurance quote engine form. In only a few minutes, you will have Chesterfield Virginia Auto Insurance Quotes from multiple, top rated, insurance companies.

 With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.  Our agents proudly represent many of the industry’s leading insurance carriers so we can offer you competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

 If you’re like our insurance agents, your busy with work, picking up the kids, making dinner and so on. By the time the weekend comes around we pay the bills and wonder where all the money has gone! The Insurance Advisor can help you save time and money with our new online quoting system.  In just a few minutes, our system will calculate your Auto Insurance Quote Chesterfield Virginia!

Auto Insurance Quote Chesterfield Virginia

Auto Insurance Quote Chesterfield Virginia from Mutiple Carriers by The Insurance Advisor Virginia (804) 638-9024Visit Chesterfield Virginia Auto Quote Page to get your instant, online quote.  Once you receive your Chesterfield Virginia Auto Insurance quick quote, one of our agents will be in contact to help speed the process along.  Virginia Auto Insurance has many components and varies from company to company.  It is not an easy task to understand all of the issues involved in making a decision about what car insurance policy and features are best for you.  Buying just any policy without fully understanding your risk and coverage needs could be a very costly mistake.  So, with your information, we will shop your auto insurance for you – saving you time.  It does not cost more to have our professional assistance—we are likely to find the best
coverage to meet your needs for a lower cost by shopping many top-rated companies.

Virginia Auto Insurance prices vary for each individual, family, college student, homeowners, etc. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault.  Prices will also vary depending on where the driver lives.  A person who lives in a major city such as St Louis, will pay more than someone who lives in a small town, despite the two having the same driving records.  

Auto Insurance Quote Chesterfield Virginia from Mutiple Carriers by The Insurance Advisor VirginiaThe Insurance Advisor is a full service independent insurance agency representing many of Virginia’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Chesterfield Virginia insurance industry, our agents are knowledgeable and competent specializing in Virginia Auto Insurance, Home Insurance,  Renters Insurance, Business Insurance, Workers Compensation Insurance, and, don’t forget the boat & motorcycle!

The Insurance Advisor is committed to outstanding customer service.  We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs. Our professional agents can handle your transactions with ease and help you understand your risks, the proper coverage, and benefits. You can trust that our agents have strong credentials and stay on top of current trends in the insurance industry.  We maintain relationships with insurance carriers, that allow us to provide quick turnaround time on all your questions, needs, and insurance claims.  

Our staff members are trained to be proactive and provide the right answers, helping you understand your insurance coverages. Most importantly, we will earn your trust by becoming your partner. 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.


Why Choose The Insurance Advisor?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance 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 MJM Insurance 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

MJM Insurance 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.

Searching for an Auto Insurance Quote in St Louis Virginia?  Visit The Insurance Advisor of St Louis.

Where To Learn More About Auto Insurance In Arnold MO | (804) 638-9024

HERE!  The Insurance Advisor!

Where To Learn More About Auto Insurance In Arnold MO |   The Insurance Advisor® of   Chesterfield | (804) 638-9024There are so many resources where to learn more about auto insurance in Arnold MO – we understand it can be overwhelming.  When you search “ where to learn more about auto insurance in Arnold MO” on the internet, there are about 1,400,000 results!  That’s a lot of data!  Perhaps you should consider consulting with a friend, a family member and contact state resources.  Don’t spend your time searching, call The Insurance Advisor!  We are the best place to learn more about auto insurance in Arnold MO.  Our expert agents are here to help you!

When searching where to learn more about auto insurance in Arnold MO, State insurance departments are the best sources for company and agent licensing information.  The Virginia Department of Insurance is a valuable resource for consumers.  Here you can find laws & regulations, find forms and find a reputable insurance company.

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What is Uninsured Motorist Insurance in Chesterfield Virginia?

Don’t Take A Risk By Not Being Informed

What is uninsured motorist insurance in Chesterfield Virginia? | The Insurance Advisor® of Chesterfield | (804) 638-9024

The Insurance Advisor® of Chesterfield is Your Personal Insurance Advisor

There are other clauses in your insurance policy that are imperative to include so that you are properly insured. Many of our clients have asked themselves what is uninsured motorist insurance in Chesterfield Virginia? An uninsured motorist clause is an additional clause in an auto insurance policy that provides for a driver to receive damages for any injury he or she receives from another uninsured  driver who fails to maintain the proper insurance coverage by not having insurance or carrying inadequate insurance coverage.

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Auto Insurance Requirements in Chesterfield MO | (804) 638-9024

Risks You May Be Taking If You Do Not Have The Proper Coverage

What Are Auto Insurance Requirements in Chesterfield Virginia? | The Insurance Advisor® of Chesterfield | (804) 638-9024Many people ask themselves, “ What Are Auto Insurance Requirements in Chesterfield MO? “  First, and foremost, Virginia law requires that all motor vehicle owners maintain at least the state minimum auto liability insurance coverage. The Insurance Advisor® of Chesterfield agents are here to help you understand the requirements for auto insurance and the risks you may be taking if you do not have the proper coverage.

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Chesterfield Virginia Auto Insurance Information | (804) 638-9024

Auto Insurance Basics

Chesterfield Virginia Auto Insurance | The Insurance Advisor® of Chesterfield | (804) 638-9024Auto insurance is something that every driver should have. A lot of people simply go and get a quote for the minimum that is required for Chesterfield Virginia Auto Insurance and do not really pay attention to the kind of coverage that they are getting. It is important that you recognize the value of the car insurance coverage that you are getting.

The Insurance Advisor® of Chesterfield can help you understand how much the right auto insurance coverage can protect you from the financial liability you will have to assume, if you should get into an auto accident. It is important to find out what kind of protection your auto insurance provides, understand your insurance needs, and make sure that the insurance protection you purchase will give you the best insurance coverage at the most affordable rate.

An auto insurance policy is a contract between you and the insurance company.  The contract guarantees that the insurance company will pay up to the covered amount for necessary expenses resulting from named contingencies. Simply put, if you injure another person or damage their vehicle, your car insurance company would pay them up to the maximum amount stated in your contract for medical expenses or repair expenses.

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Insurance Savings Chesterfield Virginia

Insurance Savings Chesterfield Virginia by The Insurance Advisor® of Chesterfield  (804) 638-9024

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

Let an agent with The Insurance Advisor® of Chesterfield  shop your insurance to find the best price for the coverages you need.  Save Time and Money!  For Insurance Savings Chesterfield Virginia, call  (636) 343-5000.

The Insurance Advisor® of Chesterfield is a full service Virginia Independent Insurance Agency representing many of Virginia’s premier personal and commercial lines insurance carriers.  We assess risks and shop for companies to find the best Chesterfield  Virginia Insurance coverage for the lowest price. With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in autohome, renters, boat, motorcycle, business automobile, workers compensation, and general liability.  For Insurance Savings Chesterfield Virginia, call  (636) 343-5000.

Chesterfield Virginia Roadside Assistance Auto Insurance | (804) 638-9024

Emergency road service is convenient, easy and cost effective to add to your auto insurance policy.

Chesterfield Virginia Roadside Assistance Auto Insurance coverage provides towing to the nearest qualified repair facility and covers a specified amount of the necessary labor at the place of breakdown when your automobile is disabled due to mechanical or electrical breakdown, dead battery, lost or stolen keys. Roadside assistance also covers replacing a flat tire with your spare, help when you’re locked out of your car, delivering gas when your tank is empty, low oil, water or other fluids and entrapment in snow, mud, water or sand.  Chesterfield Virginia Roadside Assistance Auto Insurance can help you with these hassles and inconveniences to get your car back on the road or to a facility where repairs can be made.Chesterfield Virginia Roadside Assistance Auto Insurance | The Insurance Advisor® of Chesterfield (804) 638-9024

Get emergency roadside assistance when you need it.  It can be a major inconvenience when you really need to get somewhere and you’ve got a flat tire. Or you’re out of gas. Or your car just won’t start. Roadside assistance gives you the comfort knowing you have backup when you run into trouble on the road.

The Insurance Advisor® of Chesterfield can help you choose the Chesterfield Virginia Roadside Assistance Auto Insurance that fits your needs at an affordable rate.  Some carriers offer two levels of emergency roadside assistance coverage so you can select the level of service that best meets your budget.  This coverage applies to everyone on your policy, in any car you might occupy.   The following list shows the various services available through the carriers The Insurance Advisor® of Chesterfield represents.  Of course each carrier has restrictions and limitations and our agents will find the best Chesterfield Virginia Roadside Assistance Auto Insurance that meets your needs.

  • Towing up to 15-100 miles.
  • Ditch extraction service.
  • Emergency fuel if your tank is empty.
  • Jump start if your battery is dead.
  • Lockout service up to a specified dollar amount.
  • Trip interruption coverage that will reimburse your expenses for alternate transportation, lodging and meals when you’re stranded away from home.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations.

 


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.

Price Shopping Auto Insurance

The agents at The Insurance Advisor® of Chesterfield have access to more than 20 carriers. Let us price shop for you!

Do you wonder if your policy rates are too high? Do you wish you knew more about auto insurance? You’re in the right place! This articlePrice Shopping Auto Insurance | The Insurance Advisor
contains plenty of tips that will make you more knowledgeable about auto insurance. Whether you’re looking for a new policy or just looking for information, these tips will help you out. The best way to know you’re paying a fair price for insurance is to allow The Insurance Advisor® of Chesterfield do the price shopping for your auto insurance

When considering auto insurance for a young driver, keep in mind the type of car in relation to the type of insurance you are buying. If the car itself is not worth that much money, pay special attention to the extras on the policy, as well as the deductible amount. Most providers will work with you, based on your choices.

When getting car insurance is not a wise idea to only get your state’s minimum coverage. Most states only require that you cover the other person’s car in case of an accident. If you get that type of insurance and your car is damaged you will end up paying many times more than if you had the proper coverage.

Many people mistakenly believe that insurance premiums do not begin to decrease until a young driver reaches the age of 25. However, if they are a good driver, a young person’s insurance rates start dropping at the age of 18.

Stay far away from vehicles with the word “sport” included on them. Anything that goes fast is viewed negatively by insurance companies, as these can influence drivers to take more risks, which in turn costs them more money. Steer clear of sporty vehicles unless you want your premiums to get higher.

If you plan on buying a new car, but want to keep your insurance rates low, buy a cheaper car. The more expensive a car is to repair, the more money your insurer will require from you. You will save money in buying a lower priced car.

Be extra careful when you drive so as not to be caught in a scam. Insurance rates are as high as they are due to sophisticated staged accidents which are perpetrated by criminals all over the country. Ensure that you photograph any crash scene, and call the police immediately to report the accident.

Be aware of everything you are insuring. A lot of people have car insurance but surprisingly few actually look at the individual things they are insuring. It is important to know your insurance coverages. You don’t want to get in a wreck and find something expensive wasn’t covered by your insurance.

If you have a good health insurance that will cover any cost linked to an injury sustained in a car accident, and if you do not carry many passengers that may not have health insurance, you can save money by dropping the medical payment features of your auto insurance. You should read carefully your health insurance policy to make sure you are covered for everything.

Seek out rates from a variety of insurance companies before picking out your car’s insurance. You will most likely need to shop around and do some research to obtain the best rate you can.

A great tip to use to save money on your auto insurance is to pay for the policy in full. By doing this, you can save upwards of 30% on your auto coverage. Paying month to month may be more convenient, but it can also be a lot more expensive. Paying in a lump sum is preferable, if you have the means to do so.

Look at your auto insurance bill carefully, and make sure that it incorporates all the possible discounts that you might be entitled to. For example, if you are someone who does not drive too much, then you can possibly qualify for a low driver discount. You might have to show proof of this, but it could save you some of money.

Pay for your auto insurance coverage in one payment up front. When you pay in full you will not be charged interest charges as you would if you were paying monthly. This means some companies also offer you a discount if your coverage is paid for ahead of time. Monthly payments can be convenient, but they may not be as affordable as you would like.

To get a good deal on your auto insurance pay for your coverage in full up front. By paying in full you won’t have to pay interest charges that you would normally pay for on a month to month basis.

One of the things that you can do in order to lower the monthly payments on your car insurance is by adding your spouse to the insurance policy. Some insurance companies give reductions when they know that their customer is married as opposed to being unmarried. They see marriage as a sign associated to stability.

Use the internet when shopping for auto insurance. Many companies now offer sites where you can plug in some information and get an instant quote. Some brokers are even available online who can shop multiple companies for you. Shopping on the internet saves you time and keeps you from having to talk to pushy sales people as well.

When searching for an auto insurance policy that is right for you and your vehicle, be aware of how much coverage you actually need. It is dangerous to be underinsured, but if you have have too much insurance, it can be an expensive mistake since you are paying for what you may not need.

Make sure you check with your insurance company to see what discounts might be available to you. Sometimes breaks are given to drivers who travel under 7,500 miles a year. In addition, using the bus or public transit to commute to work will usually lower your premiums. If public transportation isn’t possible, you could always consider carpooling.

Important information about auto insurance usually isn’t taught in schools or in driver’s training courses. It’s your responsibility to find this information on your own. The advice in this article will make you more knowledgeable about auto insurance, which may make it easier to make smart choices when looking for insurance in the future.

 


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.

Auto Insurance Tips to Save Money

Auto Insurance Education Can Save Money

It is important to become educated about auto insurance.  The Insurance Advisor® of Chesterfield agents have more than 10 years in insurance and maintain ongoing credentials to keep you informed of coverages and discounts.  We want to ensure you have full protection for you and your family.  Making bad decisions can cause you to waste a lot of time and money. Below you will find some very useful auto insurance tips to save money and save you hassles in the long run.Insurance Cost Increase | The Insurance Advisor

As an automobile insurance customer, you should always be on the lookout for scams. With new insurance companies popping up every day, some of them make bold statements and promise to offer lower monthly premiums, but the coverage is most likely the bare minimum, with a high (sometimes not affordable) deductible, and one accident could drastically increase your costs after you file a claim.

If you decided to buy non factory equipment for your vehicle (custom paint or rims, a top of the line stereo system, etc…), check with your agent to make sure that these items are covered.  Many auto insurance policies do not cover aftermarket or non factory equipment.  These extras can be a very expensive loss if not covered.  Some auto insurance companies offer to cover such items, but they must be added to the policy—so ask your agent to make sure.

Check and see if your car insurance provider offers any low-mileage breaks. If you do not drive your car often, this could end up saving you a fair amount of money. There is no harm in asking your provider whether they offer something like this and whether or not you qualify.

An important consideration in securing affordable auto insurance is the condition of your credit record. It is quite common for insurers to review the credit reports of applicants in order to determine policy price and availability. Therefore, always make certain your credit report is accurate and as clean as possible before shopping for insurance.  Its not a bad idea to check your credit report every 6-12 months.

Take a driving course to get a discount on auto insurance. Young drivers who have taken a driver’s education course are usually
eligible for discounted auto insurance rates. Similarly, older drivers who take a defensive driving course are also eligible for discounts on auto insurance. Check with your insurance company to see if they offer these discounts.

If you are trying to save money on your auto insurance, you shouldn’t buy new cars for teenagers. A better alternative is to have them drive one of your existing vehicles. If you add them to your current insurance plan as an occasional driver, it may be a lot cheaper. If they need to have their own vehicle, a safe, but low cost one (under $5000) that may only need liability coverages, will also save money.   It’s even possible to get a discount, if your kids get good grades.  Be sure to check with your agent about any these or other ways to best meet the insurance needs of youthful drivers.

Although many people realize that the type of car can affect the price of insurance, you should also be aware that the rarity of the car will change the price. If you have a car which has very expensive prices of repair, this will be reflected in the price of your insurance as well!

The prClassic Car Insurance | The Insurance Advisorice you pay for car insurance will be affected significantly by the infractions that appear when your records from the DMV are accessed. You will lessen your insurance costs when your points go away. Once they have been removed, it might be a good time to get new quotes on auto insurance!

You should not let your insurance coverage lapse. If you are not able to pay for your insurance policy in full, you should call and talk to on of our agents. If you allow the policy to lapse, many companies will charge you more when you reinstate or purchase a new policy.  You are also taking a big risk should you have an accident. And driving without insurance carries a big DMV penalty in Virginia and your auto insurance rates could stay high for three or more years. That is a big risk that can be avoided by making a simple phone call to your insurance agent.

Know what factors affect your car insurance rates. The three key considerations in determining your car insurance rates are age, sex, and actual driving record. Higher rates are given to less-experienced drivers, and males in general. Any ticket that takes points off of your license will also result in an increase rate.

A great tip to getting affordable auto insurance is to make sure that you have an accurate policy. You should make sure your current policy matches your situation because if it does not, you could be paying more when you do not have to. This includes your vehicle information, distance driven to/from work, yearly estimated mileage, etc….

When you raise the deductible on your auto insurance policy, it may reduce your auto insurance payments, which could save a substantial
amount of money. However, when increasing your deductible, you may want to ensure you have the amount of the deductible saved and ready to use in case you get into an auto accident.

You should evaluate exactly how much coverage you actually need. Not everybody really needs full coverage, so why should you have to pay for more then you need. For example, if you have an older car, it might not be worth it to have your car covered. It could save you quite a bid of money, but know that if your car gets totaled, you will not get compensated for it.

Insurance is very important and complicated business, and learning more about it makes you a savvier consumer.  However it is best to have an insurance agent that you trust who can help make sure you have the coverages you need for the best value.

The agents at The Insurance Advisor® of Chesterfield will ensure you are taking advantage of every possible auto insurance discount. Discounts include multi-policy, excellent credit, newer vehicles with upgraded safety features, good driving records and for teen drivers, good grade discounts. Contact your The Insurance Advisor® of Chesterfield agent and we’ll review your policy, ask a few questions and see if you qualify for additional discounts.


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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.

Chesterfield Virginia Traffic Violations May Increase Your Insurance Cost

Chesterfield Virginia Traffic Violations?

The Insurance Advisor® of Chesterfield may be able to help. You Could Save Money on Your Auto Insurance.Virginia_traffic violation points_05-23-14

Virginia law allows the Department of Revenue’s (DOR) Driver Licensing Division to suspend your license, if you accumulate too many points on your driving record.  Yes, Chesterfield Virginia Traffic Violations may increase your insurance cost.  If you have been found guilty of traffic violations, you have “earned” points on your driving record — the amount of points earned is based on the severity of the offense and the more points you gain, the worse the driving record.

Driving record point accumulation for Traffic Violations is a serious matter.

  • Receive 4 or more points in a 12-month period; you will receive a warning letter from the Driver Licensing Division stating that you are in danger of losing your driving privileges.
  •  If you receive 8 or more points in an 18-month period, your driver’s license will be suspended for 30 days.
  • If you’ve previously had your license suspended for accumulating too many points, you’ll lose your driving privileges for 60 days on the 2nd suspension, 90 days on any subsequent suspensions.
  • 12 or more points in 12 months, 18 or more points in 24 months, or 24 or more points in 36 months, your Virginia driver’s license will be revoked for 1 year.

If you have recently received a Chesterfield Virginia traffic violation, The Insurance Advisor® of Chesterfield suggests calculating your points and getting a copy of your driver’s record. Most of the information contained in Virginia’s vehicle law is summarized in state’s driver handbook or on the Virginia Department of Revenue website.  This information could be helpful to you if:

  • You received a traffic ticket, but you don’t believe you are guilty of the offense.
  • Your license was suspended and you plan to appeal the decision.
  • You were involved in a motor vehicle accident and plan to file a personal injury lawsuit.
  • You’re a new state resident who is curious about the difference between Virginia laws and the regulations of your home state.

Chesterfield Traffic Violations Impact on Insurance Rates by The Insurance Advisor® of Chesterfield | (804) 638-9024You cannot drive while your license is suspended, unless you’ve applied for a limited driving privilege permit.  If granted, the privilege permit allows you to drive in certain pre-approved situations; such as work, school or required doctor appointments.  However, if you have specific types of convictions or administrative actions on your driver record, you may not be eligible to receive a driving privilege permit.

Check Your Driver’s License Status by ordering a driving record report.  This report will provide details of your Virginia traffic violations, driving history, points against your license, information on accidents you may have had and whether your driver’s license is in good status. Should your license have been revoked or suspended, the report will indicate that according to what’s on record at the DOR.

The less points on your driving record, the less your insurance will cost you!  For a complete listing of Virginia’s point system, visit www.dmv.org or to find out how many points you have on your driving record, call (573) 526-2407.

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Why Choose The Insurance Advisor?

The Insurance Advisor® of Chesterfield opened in 2002.  With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boat, motorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

The Insurance Advisor® of Chesterfield represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

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.

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 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 insurance and services you need.

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