5 Things Every Charlottesville Driver Should Know About Auto Insurance When it comes to protecting your car—and your wallet—having the right auto insurance matters more than you think. Whether you’re commuting down 29, navigating the Downtown Mall, or road-tripping through the Blue Ridge Parkway, here are five key things every Charlottesville driver should know: 1. Not All Policies Are Created Equal That basic liability policy might meet Virginia’s legal requirements—but it won’t help you much in a serious accident. Consider upgrading to full coverage (including collision and comprehensive) to protect against theft, weather damage, and other surprises. 2. Your Rate Isn’t Just About Your Driving Record Sure, your driving history matters—but insurers also look at: Your ZIP code (yes, Charlottesville traffic stats matter!) Your vehicle’s make and model How often you drive Your insurance history Knowing this helps you understand your rate—and what you can do to lowe...
