Getting Learners Permit Car Insurance in Buena Vista, Virginia

Posted on by AgentInsure

You study the driver's manual and you're ready to go get your learners permit in Buena Vista, Virginia. One of the barriers to entry in getting your full driver's license is needing insurance on the car you're practicing in. If you get your insurance during your teen years, in most cases your parents are going to put you on theirs. If you're older and putting your toes in the driving water for the first time, it's a more complicated process.

Go through a driving school that allows you to take their cars for the driving test if you want to avoid as much hassle as possible. The school holds insurance on the car, so you're covered while you're learning how to drive. Talk with family or friends to see if anyone would be willing to temporarily put you on their car insurance policy as a named driver in the car. If they are unable to, have one of your friends or family check with their insurance company to see if you would be covered without actually going on the policy.

If you don't have anyone who can help you out, it's possible to get a liability only auto insurance product that covers you while you have the permit, but it's hard to find these kind of policies as this situation is rare. Your rates are also significantly higher than if you get coverage through someone else's policy.

Give our independent agents a call in Virginia to find out what your options are. We're happy to help discover car insurance options that fit your unique situation.

The Other Coverages Renters Insurance May Provide

Posted on by AgentInsure

One of the main protections included in renters insurance policies is coverage for your personal belongings, which may include your kitchen table, laptop computer, and wedding dress (each policy has its own limits, conditions and exclusions). This is not the only protection that renters insurance affords, however. In addition to protecting your possessions from common perils, renters insurance can also protect you. Here are some of the ways a renters insurance may provide you with valuable protection.

Coverage That Protect You

If you compare several renters insurance policies, you’ll find that the additional coverage options they include varies widely. Some will have many supplemental coverage, while others may only have a few — if any. The following are a few of the more common additional coverage:

  • medical payments coverage, which is intended to help pay for medical expenses that arise from an injury a guest sustains while visiting you
  • additional living expenses expenses, which provides financial assistance if a covered peril makes your home uninhabitable
  • liability coverage, which affords protection if you’re found liable for a covered incident
  • property damage to others coverage, which may pay for damage you cause to another’s physical property

In a renters insurance policy that has these coverage options, each of them will be governed by specific terms and conditions found in the policy. These details may vary from policy to policy. Therefore, it’s important to review exactly what these coverage options provides you when selecting a policy.

Agents That Help You

For additional help understanding the different coverage included in renters insurance policies, contact us at Stonewall Grace Insurance. We’ve assisted many tenants who live in Buena Vista, VA, and our independent insurance agents would be glad to help you. You can reach us through our website or by calling us.