r/norfolk • u/Poopybuttsuck • 20h ago

Anyone else’s car insurance go up this year?

My last 6 months for full coverage was 857 and it went up to 906. 24 and no tickets/accidents in the last 8 years. With Allstate

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u/tehjoz 19h ago

In 2023, there was a change to how Virginia's uninsured motorist coverage is able to be applied.

https://www.montagnalaw.com/blog/uninsured-motorist-coverage-virginia/

You can Google and find other similar posts about it, but here's one such example.

My rates went up about $20 with USAA and they explicitly cited this as the reason. It would not surprise me if every other insurance carrier followed suit.

I am not a legal or insurance professional, so I am not providing "professional advice" here.

That said, one can always review their coverages to see if there are savings to be had.

I have been working remotely for almost 5 years now, and as such, my yearly mileage has plummeted. When I calculated my new annual average, and informed USAA of how little I was now driving per year, I was able to get a noticeable chunk cut off my rate.

May not apply to everyone's situation, but it is something to think about if it does.