You can easily find affordable Virginia car insurance, if you know where to look. At Virginiacarinsurance.com, we have designed our website so you can view the lowest available auto insurance rates in the state, compare different options, and apply online for immediate coverage. We never charge any fees and are recognized as the most trusted authority for auto insurance information.
The easy process begins when you enter your zip code in the box near the top of the page. Instantly, you’ll be presented with personalized links that will allow you to get quotes from the top carriers in the state, such as Geico, Allstate, SafeAuto, Progressive, Esurance, Farmers, State Farm and a few others.
All policies must include the minimum liability limits that are required by the BMV. Currently, they are $25,000 per person, $50,000 per occurrence and an additional $20,000 of property damage. Although we highly recommend higher benefits, if you prefer the lowest coverage, we can help you find the best companies for these minimum limits. Keep in mind that any litigation from a large accident (that is your fault) could result in an expensive judgement.
We only use large reputable companies that have a proven track record of competitive rates and superior service. If the company is new, we would rather wait and see if they can keep their rates stable. Also, your choices are based on the most competitive prices in your area. For example, the lowest offers in Richmond could be quite different than Newport News or Lynchburg. That is, of course, by design.
Once you click on the company(s) that you wish to get quotes from, within minutes, you’ll be able to choose a variety of deductible and liability limit options that best meet your needs. The rates you view may be substantially lower than your current policy. There is no obligation to accept the policy you are offered. Naturally, you should not cancel existing coverage until you have a new Virginia car insurance policy in effect.
Each auto insurer has a different set of discounts, so sometimes, the task is to simply find the companies that offer the most discounts for your cars and the drivers in your household. Of course, we can help you with that process, since we are very familiar with which types of vehicles and drivers that each company features for its best offers.
To view your quotes, generally you will be asked to provide information about the cars you own and the drivers in the household. A check of your driving record is not necessarily required to view quotes. However, you may be asked to remember the approximate dates of at-fault accidents. Normally, the process takes about 5-10 minutes and you can request more than one quote.
Rates in Virginia vary by zip code and county, so if you recently moved, it is an ideal time to check rates. Depending on the company, rates can vary by as much as 25% from one part of the state to another. Also, if your driving distance to work has reduced, your car insurance rates may also go down. And of course, if you recently retired, that may help the rates too.
Affordable car and truck insurance rates can be found, and our job is to do all of the research so your time spent is minimized. Please feel free to provide your zip code at the top of the page and you’ll be on your way to saving money! You need good coverage but you don’t need to pay a high price for it.