Will A Speeding Ticket Affect My Car Insurance?

One of the most common infractions for any driver in Buena Vista, VA is a speeding ticket. Every year, more than 300,000 speeding tickets are issued in Virginia alone. It’s important to consider how speeding affects your auto insurance. At Stonewall Grace Insurance, we’ve broken down important factors to keep in mind.

Speeding Tickets In Virginia

Keep in mind that car insurance companies view speeding as a high-risk behavior. A single speeding ticket could lead to an increase in your car insurance rates. The average speeding ticket in Virginia will result in roughly a 23 % increase in your car insurance rates.

However, the effect of a speeding ticket on your car insurance rates will vary depending on the state in which you live. For example, the average speeding ticket in Virginia is determined by how much over the limit you were going. Since speeding is considered wreckless and dangerous to other drivers, the fine only gets more significant for increased velocity. You also need to consider demerit points that could be added to your record for speeding tickets.

Avoiding Increased Insurance Rates

The best way to keep your policy affordable and avoid the risk of losing driving privileges is by obeying the law. Practice defensive driving habits such as always using your turn signal, not following other cars too closely, and staying within the speed limit. If you find yourself with a speeding ticket, discuss it with your local Buena Vista, VA car insurance agent.

At Stonewall Grace Insurance, we understand how important it is to have the right auto insurance coverage. If you have any questions about your policy or you’ve gotten a speeding ticket, we can help. Feel free to contact us with any questions you have.

4 Key Areas Covered by Auto Insurance

Even after being vigilant on the road, unexpected eventualities may crop up, culminating in heavy losses in terms of injuries and property damage. Being one of your most vital assets, your car requires a formidable shield to protect your wallet when accidents happen. So, if looking for a formidable car insurance plan in Buena Vista, CA, don’t look beyond Stonewell Grace Insurance. Here are the areas where car insurance will provide coverage:

Asset protection

What happens when your car is damaged beyond repair after an accident? Are you ready to part with vast sums of money to repair or restore your vehicle? If not, buying comprehensive coverage restores or repairs your car if it is physically damaged from non-collision events like hail, theft, and vandalism. Likewise, collision coverage repairs or replaces your vehicle if it’s damaged after colliding with another car or stationary objects.

Safeguarding yourself and others

Prolific auto insurance from Stonewall Grace Insurance safeguards your family members, other drivers, and passengers. If an accident transpires, you are guaranteed that any culminating costs from injuries or property damage will be catered for.

It’s a legal requirement.

Numerous states, including Virginia, mandate all drivers to have prescribed minimum requirements to operate their automobiles legally on the road. The mandated required provisions comprise bodily injury and property damage liability coverages.

Protection from lawsuits

Lawsuits can sometimes compromise your hard-earned assets like a house or car. Today, we thrive in a litigious society, and you may get slapped with a lawsuit attracting insurmountable financial difficulties. The right auto insurance will salvage you from claims made against you after an accident, including legal representation fees.

Buy car insurance today!

Are you in need of solidified auto insurance in Buena Vista, VA? If yes, don’t hesitate to get in touch with our agents at Stonewall Grace Insurance for a competitive quote.

Why Do Virginia Drivers Need Auto Insurance?

In the state of Virginia, it is illegal to drive without proper auto insurance. Everyone on the road should be covered in the event of an accident. The agents at Stonewall Grace insurance can help car owners in the Buena Vista, VA area to ensure that they are fully covered to drive safely in Virginia. It’s crucial to make an informed decision on which policy is best for you, and that’s why relying on a quality insurance agency is key to protecting yourself on the road.

Coverage on an auto policy will vary from person to person and depends on several other factors, like your assets, dependents, and more. Driving, while a very common mode of transportation, can be dangerous and you’ll want to be fully covered in the event that something unfortunate happens. Remember that you can only control your own decisions and actions behind the wheel, and you can’t control others.

This is particularly true if you’re married, have teen drivers, or have other dependents. Protecting all the dependents in your life, not just yourself is another great reason to invest in quality auto insurance with a responsible, trustworthy agency.

Get the Required Auto Insurance

All car owners should have insurance. It’s as simple as that. If you are shopping around, looking for additional coverage, or simply want more information on your policy, contact the experts at Stonewall Grace Insurance in Buena Vista, VA. We are happy to help all drivers and their families get properly insured. Our team brings over 20 years of experience in the insurance sector, and we’re here to help residents in the Buena Vista area get set up with an auto insurance policy that will make them feel safe every day. 

Am I Covered If I Drive Someone Else’s Vehicle?

Stonewall Grace Insurance understands that car owners in Buena Vista, VA, have been getting confused about who is covered in their insurance policy. Whether the insurance company follows the car or the driver has been a major issue of discussion. Without a detailed understanding of the auto insurance policy, it is worth noting that this issue has been confusing.

If you drive someone’s vehicle, your coverage depends on whether you have consent from the owner. That is why you need to understand permissive and non-permissive use. 

Permissive Use

Most of the auto insurance companies will cover the driver who is listed on the insurance policy. However, in the last few years, some insurance companies have expanded this policy to cover drivers allowed to drive the car by the owner.

Therefore, if you’re driving someone’s car with their permission, you will be covered by the auto insurance policy. However, it is essential to understand that some insurance companies may provide reduced coverage. 

Non-Permissive Use

When driving someone’s car, you need to understand the policy of non-permissive use. If you take the car without the owner’s consent, the auto insurance company will not cover any personal injuries or associated liabilities.

The same is treated as an incident where a thief steals the car and ends up colliding with other motorists and damaging properties. The car owner is not held liable. However, the owner of the car has the right to claim the damages to his car to cover for the vehicle repairs.

At Stonewall Grace Insurance, we’ve been dealing with the issue of permissive and non-permissive use in recent times. If you live in Buena Vista, VA, you can visit our offices if you have experienced such a scenario. As highlighted above, our insurance experts will take you through the process of permissive and non-permissive use and give you a reliable solution.

Required Auto Insurance in Virginia

Virginia has its own state laws that determine how much auto insurance Virginia drivers have to have to drive legally. Vehicles in Virginia have many different types of coverage that are mandatory. If you aren’t sure that you have enough auto insurance, contact us at Stonewall Grace Insurance in Buena Vista, VA to speak with an agent about your insurance coverage. 

Bodily Injury

Bodily injury coverage is a type of coverage that pays for the medical bills of those who are injured in an accident. In Virginia, there is a minimum amount of bodily injury coverage that vehicles must have for a person who is injured. Then, there is another minimum amount required for all people who become injured. There is also an amount required for the bodily injury caused to uninsured motorists. This includes a required minimum for one person injured and another for all of the injuries that are caused during the accident. 

Property Damage

In addition to paying for injuries, your auto insurance must also pay for damage that is done to someone else’s vehicle. There is a required minimum amount of liability coverage for property damage. This does not cover your own vehicle, however. This type of insurance is required by law, but you can get optional coverage that will also protect your vehicle. Collision insurance is the type you need to cover repairs on your own vehicle. Comprehensive insurance is another optional type that can protect your vehicle from a number of potential dangers. 

Get Your Required Auto Insurance

If you don’t have all of the required types of coverage, or you want to add optional coverage types, contact us at Stonewall Grace Insurance in Buena Vista, VA to find out more about auto insurance.

Tips For Finding The Right Auto Insurance Policy

Car insurance is a must-have for all drivers. It is illegal to drive a car without proper insurance in the state of Virginia. However, it may be not easy to pick the right policy especially if it is your first car and you have never done it before. In order to help you make the right choice and an informed decision, here is the list of few tips prepared by Stonewall Grace Insurance serving clients in Buena Vista, VA. 

Choose the right deductible

Having a higher deductible will reduce the cost of your insurance but you will have to pay more out of pocket in the case of an accident. If you have a good driving record and you have not been involved in an accident, then it is better to pick a lower deductible, which means a higher premium. 

Compare rates from different insurance companies

Instead of buying the first insurance policy that you have found, take your time and shop around. Talk to at least three different insurance companies to figure out what they offer. Since every insurance company is different and may have a different method of determining rates, you may find a really good deal. 

Decide how much coverage you need

How much coverage you need depends on many factors, including your assets, how much out-of-pocket cost you can afford, how much you owe and own, whether you have dependents, and some others. 

If you are looking for auto insurance in Virginia and you need a trustworthy insurance agency, Stonewall Grace Insurance serving Buena Vista VA is your perfect choice.  The company has over 20 years of combined experience and provides any type of insurance service, including auto insurance. If you need help to choose an auto insurance policy that will address your needs, do not hesitate to give us a call and talk to one of our agents. ,

Car Broken Into? What To Do Next

Car Broken Into? What To Do Next

You walk out of your house in the morning to see a shocking sight: your car window is broken, and your belongings are scattered about inside your vehicle. You’ve been the victim of a car break-in. While alarming, car break-ins are common. It’s important that you take careful next steps to ensure that you get the help you need in recouping the value of the things you’ve lost. At Stonewall Grace Insurance, serving Buena Vista, VA, our agents are here to help you get the coverage you need for your car. 

If your car has been broken into, the first thing you need to do is call the police to file an incident report. Depending on the standard operating procedure in your area, the police department may or may not send an officer to your home. 

If an officer is being dispatched to the scene, do not touch anything in the car or attempt to clean up any mess. The officer may want to take photographs before you begin to look through your belongings. 

After you’ve filed a police report, call your car insurance company to file a claim. They’ll be able to advise you on how to go about getting money for your belongings to be replaced. You may also want to talk with you renter’s insurance company to see if they’ll cover any of the cost of missing items. 

Call Stonewall Grace Insurance, Serving Buena Vista, VA

Car break-ins are an unfortunate part of life, and it’s important to be prepared before such an incident occurs. Call or stop into Stonewall Grace Insurance, Serving Buena Vista, VA, to learn more about how we can help you get the right auto insurance policy for your needs.

When You Should Update Auto Insurance

Auto insurance is a necessary expense in order to drive legally. However, that expense can be altered by many different factors. For this reason, it is a good idea to occasionally update your auto insurance. At Stonewall Grace Insurance serving Buena Vista, VA, we are very interested in making sure you have the best auto insurance deal around. Keep reading to learn when you should update your auto insurance. 

You Have Liability Only Insurance

Some people opt for liability only insurance if they are having a hard time budgeting in full coverage. If you have been in this situation before, but now your financial situation has changed, you may want to consider updating your auto policy. Full coverage is a much better investment, especially if your car has value. 

You Have Teen Drivers

When your children enter their teen years you will want to evaluate your auto coverage. Coverage changes when you add teen drivers. Shop around to make sure you are still getting the best rate. 

You’ve Gotten Married

Now that you are married you will need to add your spouse to your policy in most cases. This is a great time to shop around and update your insurance.  Married couples are often offered discounts that you do not get when single. 

You Are Older

As you get older you should be able to qualify for better insurance rates. If your current auto policy is not reflecting this, it is a good idea to shop around and find the best rate for your age group. 

Updating your auto insurance policy is a great way to save money. If you would like to learn more, please contact Stonewall Grace Insurance. We are now serving the Buena Vista, VA area as well as surrounding areas. 

Can Lifestyle Changes Affect your Auto Insurance Coverage?

Changes in your lifestyle can have an effect on your health, finances, relationships, and auto insurance coverage. Lifestyle changes like marriage, divorce or retirement can affect the cost and coverage of your policy. If you’ve recently gone through some lifestyle changes, talk to your Stonewall Grace Insurance agent to see if you should update your policy. Here are just a few ways lifestyle changes can alter your auto insurance coverage.


If you’ve recently gotten married, you may qualify for a discount on your auto insurance coverage. Many insurers reduce insurance rates to married couples. If both of you have good driving records, you can save money on auto insurance by adding your spouse to your policy. This could help offset the cost of increasing coverage if your spouse needs additional protection.

If your spouse has his or her own car, you can get discounted auto insurance via a multi-car policy. If one of you owns a home in Buena Vista VA, you can bundle your home and auto insurance to save on auto insurance costs.


On the flip side, divorce could cost you more in auto insurance costs as you would lose both your married and multi-car discounts.


Retirement may make you eligible for reduced auto insurance rates due to driving less often and needing less coverage. The less you drive, the lower your risk of having an accident. If you’re a safe driver, you may also qualify for a senior discount on your policy. Some companies give new retirees a break on costs as well. If you complete a defensive driving course (now that you have the time), you could get another reduction on insurance costs.

To learn more about auto insurance options and costs, contact Stonewall Grace Insurance in Buena Vista, VA.  

Best After Market Upgrades For Your Vehicle

If you’re looking to upgrade your vehicle, there is a never ending assortment of features to choose from. However, if you really want to not only improve your level of enjoyment but safety and, potentially, save on auto insurance, here are the best after market upgrades for your vehicle. After all, we at Stonewall Grace Insurance want to make sure you have the most fun and save the most money in Buena Vista, VA. 

New Tires and Wheels

When looking at any after market upgrades for your vehicle, consider both new wheels and tires. Slightly wider wheels will improve handling while driving, cut braking distances and boost precision on your vehicle. 

New Shocks, Springs and Coil-Overs

There is nothing wrong with the shocks that come with most vehicles. However, there is always a way to improve upon this. With brand new shocks, you’ll increase the amount of contact your vehicle maintains with the road both at high speeds and in bumpy conditions. This improves vehicle safety while giving you more control over the vehicle. 

Better Cold-Air Intake

All vehicles come with an engine filter. Most filters are simply flat and go above the engine block. However, an improved cold-air intake filtration system uses a much larger air filter. It usually is round and can be reused after occasional cleaning. This increases the amount of air flow to the engine, improving fuel economy while boosting performance at the same time. This kind of an upgrade is an especially valuable addition to vehicles with larger or performance engines. 

No matter what make and model vehicle you own, there is always a way to save on auto insurance while improving the functionality of the vehicle. At Stonewall Grace Insurance, we want to help you save money on your Buena Vista, VA vehicle.