I Don’t Need Electric Car Insurance, Do I? Roanoke VA

Whether you’re riding a motorcycle, moped or driving an automobile, no matter where you live in the United States, auto insurance is the law. In some states, even farm equipment must been insured, especially if you plan to drive on state roadways. Electric cars are no exception.

Allstate Auto Insurance
(888) 355-7971
6905 Williamson Rd
Roanoke, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
3800 Electric Rd
Roanoke, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
1202 Electric Rd
Salem, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Chas Lunsford Sons & Assoc
(540) 982-0200
16 Church Ave SE
Roanoke, VA
 
Hartman Insurance
(540) 989-8500
4504 Starkey Rd Suire 207
Roanoke, VA
 
Allstate Auto Insurance
(888) 355-7971
6318 Peters Creek Rd
Roanoke, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
2193 Wildwood RD
Salem, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
147 Franklin St
Rocky Mount, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

BB&T Insurance Services
(540) 989-8006
PO Box 1600
Roanoke, VA
 
Allstate Insurance Companies
(540) 382-2959
9 Roanoke Street
Roanoke, VA
 

I Don’t Need Electric Car Insurance, Do I?

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Whether you’re riding a motorcycle, moped or driving an automobile, no matter where you live in the United States, auto insurance is the law. In some states, even farm equipment must been insured, especially if you plan to drive on state roadways. Electric cars are no exception.

Electric cars are held to the same standards as other motor vehicles when it comes to minimum auto insurance requirements. Insurance companies will still take the same factors into consideration when determining a quote for electric cars as they would for gas powered cars. Auto insurance companies will consider age, gender, employment, make and model of vehicle, usage, geographic location, number of drivers, driving record, and even credit history. In addition, auto insurance rates for your electric car will be based on your state’s minimum coverage requirements.

While mandatory minimum coverage requirements vary by state, some states have the same requirements. For example, in the states of Alabama, Arkansas, Georgia, Mississippi, Nebraska, New Hampshire, North Dakota, Oklahoma, Rhode Island, South Carolina, South Dakota, and Texas, the minimum auto insurance requirements are 25/50/25. This means, all vehicle owners must carry at least $25,000 for bodily injury liability for one person in an accident, $50,000 for all injuries in an accident,
and, $25,000 for property damage in an accident. At 50/100/25, in places such as Alaska and Maine, the minimum requirements can be quite steep.

Although auto insurance is required as a result of specific state car insurance laws, you still need electric car insurance – mandatory or not. Auto insurance can protect you and your family and your finances in the unfortunate event of an auto accident. If you purchase the minimum coverage amounts, you will be covered up to those amounts only if you are involved in an accident. Anything over the minimum coverage amounts will have to be paid out of pocket. In addition, if you are involved in a serious accident with an individual that has very little coverage or no coverage at all, you may end up having to pay out of pocket for any differences.

Because millions of drivers currently drive without auto insurance and millions more carry only minimum coverages, state auto insurance departments and auto insurance companies recommend carrying higher coverages than the bare minimum, plus uninsured/underinsured motorists coverage. This same advice applies to drivers of electric cars. Uninsured/underinsured motorists coverage will help offset any differences between what an underinsured party’s auto insurance will pay and what you will have to pay. Uninsured coverage will cover any damages up to the amount of coverage you purchase. Most UM/UIM policyholders purchase coverage in the amount of $50,000 or more.

If you would like to assess accident rates in your area along with the number of uninsured drivers in your state, check with your state department of insurance for facts and figures. You may locate your official state department of insurance website by visiting the National Association of Insurance Commissioners (NAIC) & The Center for Insurance Policy and Research at www.naic.org. To save on electric car insurance, talk to your auto insurance agent about safe driver discounts, multi-policy discounts, safety feature discounts, and if you are a student, you may be entitled to a good student discount. Discounts may range from 10 to 20 percent.

For more information about auto insurance and auto insurance laws in your state, visit Auto Insurance Tips or your state insurance department for details.