Short On Time? Try An Online Insurance Quote

Keeping a schedule these past few weeks has gone out the window. Virginians are amid a global pandemic that ebbs and flows with the latest news and updates.

There’s optimism, and equal parts caution. And while the future isn’t 100% clear yet, life is slowly beginning to normalize.

Dove Insurance Agency, like a lot of Virginia businesses, is local. We’re part of the New River Valley community and have been for over 50 years. We’re family owned and operated, and try to keep insurance simple and personal.

Our office in Christiansburg, VA is still open normal business hours. If you prefer an in-person meeting simply stop by. No appointment needed.

If you’d like to give us a call, text, or e-mail we’re still able to provide full quoting and customer service (including payments over the phone).

If you’re a new customer or an existing one that needs a new insurance product, try our Online Quote Tool.

It’s simple to use and connects your insurance request with our Family of Independent Agents. You can quote personal lines, such as home and auto, or coverage for your Virginia business.

As always, we hope everyone stays safe this summer!

What is Other Than Collision Coverage?

Options are abound when it comes to your Virginia auto insurance policy. While liability coverage and uninsured/underinsured motorist coverage are required by state law, other coverage options are just that—optional.

For example, Other Than Collision coverage (sometimes referred to as comprehensive coverage) covers your vehicle from losses such as fire, theft, wind, hail, lighting, vandalism, and if you hit a animal (or an animal hits you!).

Coverage is paid up to the Actual Cash Value of your vehicle at the time of loss minus your policy deductible. Don’t know how your vehicle is worth? A good starting place are reputable services, such as KBB.

Other Than Collision coverage is typically less expensive than Collision coverage. And depending on the value of your vehicle, you may which to keep Other Than Collision on your policy even if it’s an older vehicle or the loan has been paid off.

It’s important to note that some carriers have restrictions on placing Other Than Collision coverage on specific vehicles, such as:

  • The vehicle has a branded or rebuilt title
  • Has prior damage
  • Is over 20 years old

Always ask your Independent Insurance Agent if coverage is available on your policy.

What is Other Than Collision Coverage?

Serving the Commonwealth of Virginia For Over 50 Years!

Working with our Family of Independent Agents constitutes a promise, from our family to yours. We are here to educate you on how to keep covered and secured, no matter what the future may hold.

Our family of Independent Agents will find the best package for your needs. We represent multiple insurance providers and we work for you!

No Matter Where You Live In Virginia!

Learners Permit & Auto Insurance

Congratulations, your child is now old enough to get their learners permit and start driving! Where does the time go?

Now that you have a young driver in the household you might be thinking “how will this affect my auto insurance?”

For starters, if your son or daughter gets their learners permit you need to tell your insurance company. Most carriers do not rate for a driver with a learners permit. Only when they’re licensed are they rated as a new driver.

To add a driver with a learners permit to your policy, we’ll need their name, birthday, and license number (their customer number with VA DMV will be their license number.)

And that’s it!

If your child is an A/B student then a good student discount will applied once they’re licensed.

Serving the Commonwealth of Virginia For Over 50 Years!

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

3 Auto Maintenance Checks You Should Do This Year

Another year has come and gone, and your car is in desperate need of maintenance services. At Dove Insurance Agency, the quality and safety of our customers is important, which is why we are offering you the following reminders. Below are three auto maintenance services that our Blacksburg, VA clients should consider this year to keep their car performing. 

Change Your Power Steering Fluid

Depending on how old your car is, the power steering fluid may have never been changed. If so, it is time to flush the old fluid and have fresh fluid flowing. This fluid is designed to keep the power steering operational and allow you to turn your vehicle left and right with no effort at all. 

Have Your Tires Inspected

What kind of life do you have left on your tires? If it has been a few years since you last got tires, it is time to check their wear and tear. Have a certified technician inspect the tread level and purchase new tires if those you have are running low on tread. The smoother the tire the more dangerous they are when driving. 

How’s the battery?

Every few years, it is time to get a new battery for your car. They can easily be inspected at a nearby shop or parts store for their life quality. If it is below 80%, then it is time to get a new one with a warranty. 

Add Auto Insurance to these Maintenance Services!

While you are having your car inspected and serviced, it is time to check on a new auto insurance policy. If you live in the Blacksburg, VA area, you can use our online rating tool or call our agents at Dove Insurance Agency today for more information about the policies we offer. Let us help you get a quote.

3 Things to Remember When Driving in Cold Weather

Cold weather can wreak havoc on the roads. While snow and ice are visible signs that we can watch for when we drive, but other signs aren’t so easy to see but can be equally dangerous. At Dove Insurance Agency, the agents offer advice to their clients in Blacksburg, VA when it comes to staying safe on the roads during the winter months.

Bridges Freeze Faster Than Roadways

Because air is continuously flowing above and below bridges, their surfaces tend to freeze over faster. This can mean slick spots that will send you spinning out of control if you hit them too fast. Slow down when approaching a bridge if the temps are below freezing.

Black Ice is Invisible

Black ice can be found anywhere on the road where moisture collects. Once the water freezes, it blends in with the surface of the road and is difficult to see. Always drive carefully and be aware of the road conditions. If temps are below freezing, drive as carefully as possible.

Allow Your Car Time to Warm Up Before Leaving

Driving your car while the engine is still cold can increase wear and tear. Start your vehicle and allow it to warm up for a few minutes before leaving. This gives the oil enough time to warm up and coat all the parts before you put a load on the engine.

The agents at Dove Insurance Agency offers assistance to their clients who live in Blacksburg, VA and want to know more about safe driving and weather conditions. If you want to learn more, call our office today!

What Non Collision Events Are Covered Under Your Auto Insurance?

You’re headed down I-81 or Route 460 in the winter, and a deer jumps out in front of your car before you can stop. Maybe you’re driving down a local road when a tree branch crashes onto your vehicle during a storm.

Hopefully, none of this happens to you. But it’s important to understand whether these events are covered under your current insurance policy.

At Dove Insurance Agency, our Family of Independent Agents can help you determine whether your  vehicle is adequately covered. In the meantime, here’s some valuable information about non-collision events and car insurance.

What Does Collision Cover?

Collision coverage pays for costly repairs if you get into an accident. Such as hitting another vehicle or running into a ditch.

However, collision doesn’t cover damage due to rain, fire, flood, glass breakage, or theft.

Comprehensive Coverage for “Everything Else”

Comprehensive insurance, also called Other Than Collision, is the “everything else” bucket for damage to your vehicle.

So, if a tree limb hits your car, a rock slide buries it, or a hail storm damages your hood – you need comprehensive coverage. If you come out of your home, workplace, or shopping center to find your vehicle missing, your comprehensive coverage kicks in. This coverage saves you from significant financial loss in case of these and similar events.

Also included are Acts of God, which in terms of insurance coverage, includes damage due to floods, fire, and storm debris.

What Insurance Is Required in Virginia?

Virginia law doesn’t require comprehensive coverage, but the following insurance is required:

  • Bodily injury and uninsured/underinsured motorist coverage
  • Property damage and uninsured property damage

Serving the Commonwealth of Virginia For Over 50 Years!

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

Blacksburg • Christiansburg • Salem • Radford • Roanoke

State Insurance Minimums Apply to Both Autos and Motorcycles

State Insurance Minimums Apply to Both Autos and Motorcycles To maintain the privilege of driving on Virginia’s roads, you must maintain proper levels of insurance for an automobile or motorcycle – whichever you own and drive. Dove Insurance Agency of  Blacksburg, VA wants you to remain on the road legally. It explains the state insurance minimums that apply to both autos and motorcycles and discusses the other policy types available to add to an insurance package.

You won’t be able to purchase license plates or renewal decals for the plates without proof of insurance. If you get caught driving without insurance, the state can suspend your license, revoke your vehicle registration privileges, charge you with a $500 statutory fee, plus a reinstatement fee. Once reinstated, you must maintain proof of financial responsibility, also known as insurance, for three years upon suspension.

The minimum coverage for motorcycles and auto insurance is the same. It requires $25,000 for bodily injury or death of one person and $50,000 for bodily injury or death of two or more people, plus $20,000 to cover property damage. That’s only the minimum insurance required. While you must obtain the minimum’s to legally drive on the roads, you may also add to that insurance. 

You can add collision, comprehensive, Personal Injury Protection (PIP) and uninsured driver coverage. Collision covers you when the vehicle hits a stationary object like a parked vehicle, fence,  building, guardrail or potholes. Comprehensive pays for the damage when an animal strikes your vehicle or it gets damaged by an act of God such as flood, tornado, fire or hail. PIP, also called no-fault coverage, pays for what bodily injury liability coverage does not for you and any passengers. You can also add uninsured driver coverage to cover damage to your vehicle and medical costs if your vehicle is struck by a driver who has no insurance or too little.

Dove Insurance Agency of Blacksburg, VA wants you on the road legally. Come by and talk to us about auto or motorcycle insurance for your vehicle.

Finding Value In Your Policy

When you understand the role insurance plays for your home, auto or business, it’s easy to see how effective certain coverages can be and the immense value they hold.

The good news is that our family of Independent Agents can work with you one-on-one to find the right solution for your insurance needs. When you talk with one of our Independent Agents, you’re giving yourself the best opportunity to find the best value.

Simply put: We Don’t Work For Just One Insurance Carrier.

When you walk inside our doors or call us on the phone, we listen to your needs and help you make the correct choices.

This means you’ll never be forced into a specific company or into a policy that ultimately feels wrong. And unlike an online insurance provider, our family of Independent Agents can give you personalized attention and help whenever you have questions.

At Dove Insurance, we’ve worked with our clients across the Commonwealth of Virginia for over 50 years to help them make the right decisions. By choosing Dove Insurance, you can cover any of your personal and commercials insurance needs, such as:

  • Home
  • Personal Autos
  • Life Insurance
  • Health Insurance
  • Flood Insurance
  • Earthquake Insurance
  • Motorcycles & ATVs
  • Boats
  • RVs
  • Classic Cars
  • Condominiums
  • Renter’s Insurance
  • General & Excess Liability Coverage
  • Businessowners Policy
  • Commercial Package Policies
  • Personal & Commercial Umbrella
  • Commercial Auto
  • Worker’s Compensation
  • Bonds
  • & More!!!

Discover everything an Independent Agent can do for you!

Dove Insurance serves Virginia; including Blacksburg, Carawba, Centreville, Christiansburg, Covington, Floyd, Galax. Harrisonburg, Hopewell, Leesburg, Lynchburg, Pulaski, Radford, Richmond, Riner, Roanoke, Salem, Staunton, Waynesboro, and Wytheville. We help provide home insurance, auto insurance, business insurance, umbrella insurance, commercial auto insurance, life insurance, flood insurance, valuable items insurance and liability insurance.

Local Insurance Options, Personal and Commercial

Management is doing things right; leadership is doing the right things.” — Peter Drucker

The above quote has been recited countless times in management and business courses throughout the world. To build better leaders and to improve efficiency in an ever evolving society, we need sound principles to retain our focus. But these words aren’t solely for businesses applications as our daily lives can reap enormous benefits from this wisdom as well.

Being part of a community as a business owner means many things. Yet first and foremost is the simple fact that you, as an individual, represent both your personal and business identities. Our family agency started in Radford, Va over 50 years ago. We’ve been able to grow by building relationships across the Commonwealth and trying our best to provide superior customer service. Now three generations strong our family agency is still growing. So, as simple as it may seem, we’d like to say Thank You—to everyone we’ve had the pleasure to know over the years.

https://twitter.com/DoveInsurance/status/1080125451690012672

When you understand the role insurance plays for your home, auto or business, it’s easy to see how effective certain coverages can be and the immense value they hold.

The good news is that our family of Independent Agents can work with you one-on-one to find the right solution for your insurance needs. When you meet with one of our Independent Agents, you’re giving yourself the best opportunity to find the best value.

Simply put: We Don’t Work For Just One Insurance Carrier.

When you walk inside our doors or call us on the phone, we listen to your needs and help you make the correct choices.

This means you’ll never be forced into a specific company or into a policy that ultimately feels wrong. And unlike an online insurance provider, our family of Independent Agents can give you personalized attention and help whenever you have questions.

At Dove Insurance, we’ve worked with our clients across the Commonwealth of Virginia for over 50 years to help them make the right decisions. By choosing Dove Insurance, you can cover any of your personal and commercials insurance needs, such as:

Home
Personal Autos
Rental Properties
Life Insurance
Flood Insurance
Motorcycles
ATVs
Boats
RVs
Classic Cars
Commercial Auto
Personal Umbrella
Condominiums
Renter’s Insurance
General & Excess Liability
Businessowners Policy
Commercial Packages
Commercial Umbrella
Worker’s Compensation

Discover everything an Independent Agent can do for you!

Dove Insurance serves Virginia; including Blacksburg, Carawba, Centreville, Christiansburg, Covington, Floyd, Galax. Harrisonburg, Hopewell, Leesburg, Lynchburg, Pulaski, Radford, Richmond, Riner, Roanoke, Salem, Staunton, Waynesboro, and Wytheville.

A Quick Look at the Long History of Travelers Insurance

“In 1864, Hartford businessman James G. Batterson met a local banker, James E. Bolter, in the post office. Bolter had heard that Batterson and several fellow townsmen were organizing a company to introduce accident insurance to the United States. He asked Batterson how much he would charge to insure him for his four-block walk home. “Two cents,” Batterson said.”

Between TV, internet, and radio ads it’s rare for an insurance commercial not to be seen or heard every hour. Some are funny, and some not. Interestingly very few tell you anything about their coverage offerings outside a few catch phrases, but that’s another discussion.

My point is that as consumers we only hear from 4 or 5 insurance companies when in fact there’s 100 licensed carriers in Virginia.

One of the oldest and most reliable insurance carriers, Travelers Insurance (A++ by A.M. best), is one of many options you have for personal and commercial insurance lines in Virginia. As an Independent Insurance Agency, our family at Dove Insurance has worked with Travelers Insurance for 50 years.

Our take on this long partnership is simple: you don’t do business with someone this long if they don’t take of people. And Travelers has done an excellent job over the decades.

Interesting Facts About Travelers Insurance

Travelers Insurance has as a history of insurance firsts. Just take a look at this long list of industry milestones:

1864: *Introduced accident insurance.
1897: *Issued an automobile insurance policy.
1889: Offered liability insurance to employers, known today as workers compensation.
1903: *Opened an insurance school.
1904: *Organized a corps of safety engineers.
1919: *Offered aircraft liability insurance, with a full aviation program.
1956: *Established a weather research center.
1958: *Offered life insurance to women at lower rates than men.
1961: *Introduced a new coverage option for electronic data processing.
1968: *Pioneered the “CAT Van,” a specially modified RV used as a mobile claim office to assist policyholders after disasters.
1969: *Issued accident policies for space flight and lunar exploration.
1971: *Established the Office of Consumer Information, providing all consumers, not just Travelers customers, with a toll-free number, to call and comment on insurance issues or ask insurance-related questions.
1980: *Installed an interactive company/insurance agency computer system.
1997: *Launched an insurance policy to protect individuals who use personal computers for online banking.

*Insurance industry first