Car Insurance in Suffolk
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Auto Insurance Designed for Your Needs
While Suffolk offers a quaint, small-town vibe, the city of 98,537 people has a host of shopping, recreation, restaurants and other attractions that make it an enjoyable place to cruise around. Nestled in Hampton Roads, the town has an array of natural wonders, including 8,000 acres of lakes and shoreline to explore.
Whether planning a leisurely cruise along the Suffolk Loop Trail or Nansemond River Loop, heading to the Great Dismal Swamp National Wildlife Refuge, or commuting to work, it often means traveling on highways and busy roads with other drivers. Unfortunately, the unexpected can happen. In 2022, 1,692 traffic accidents happened in Suffolk.
No matter where you drive, you want the confidence that you are protected. Searching for car insurance in Suffolk with VIU by HUB makes it easy to find the right insurance at affordable prices.
Car Insurance in Suffolk Offers Peace of Mind
For people who work downtown or want to spend a casual day exploring its offerings, Suffolk Transit has fixed routes that are affordable. The service also provides connections to Chesapeake Square and North Suffolk Library. For others, a busy lifestyle requires having a vehicle to reach various destinations. In Suffolk, the average household has two vehicles. making finding the right coverage even more important.
No matter where you plan to travel, Suffolk is known for its hot, muggy and potentially rainy summers and cold winters that often bring ice and sleet. Having car insurance in Suffolk provides you with added confidence to traverse varying road conditions.
Factors That Affect Car Insurance Rates
On average, Suffolk car insurance costs $1,258 per year. Like with many things in life, different factors play into how much your insurance will cost. These often include:
- Type of vehicle covered
- Age of drivers
- Driving record
- Type of coverage
- Policy limits and deductibles
For people who also own a home or other types of vehicles, such as an RV, VIU by HUB can help you find bundles to further reduce costs.
Coverage for a Variety of Risks
While everyone has their own unique driving needs, from commuters to people who infrequently drive, you can get car insurance in Suffolk that fits your style. While every policy is different, most offer similar types of coverage. This includes:
- Bodily injury liability: This provides coverage in instances in which you cause an accident and another person is injured.
- Property damage liability: If you damage someone's property, your car insurance will help cover the costs. Property is not only another vehicle but also buildings and other physical structures.
- Comprehensive coverage: An optional type of coverage, comprehensive offers what its name implies. Covered risks often include theft, fire, hail, falling objects and collisions with wildlife.
- Uninsured/underinsured motorist: If you get injured or your vehicle sustains damage by another driver with no or little coverage, uninsured/underinsured coverage kicks in to cover medical costs and other expenses.
When it comes to car insurance in Suffolk, the state requires drivers to have a minimum of $60,000 bodily liability. $20,000 property damage liability and $30,000 bodily injury liability. These apply per accident or person respectively. While you need some level of car insurance, that level varies from person to person. VIU by HUB offers you an easy and efficient way to compare quotes from different insurers so you can find affordable insurance suited for you.
This information is intended for general informational purposes only and is not intended to constitute legal advice.