Affordable Virginia Car Insurance Rates

Can I Buy Auto Insurance Online?

Yes, you can. We make the process easy by providing rates from the top companies. Easily, you can compare your options, and when you are ready to apply, your coverage can often go into effect the same day. And you will receive personalized service and help when you need it most. There are no internet fees or extra charges when you purchase coverage on the internet. It's fast, safe and reliable.

What Are Some Of The Companies I Can Choose From?

We represent only the top-rated Virginia carriers such as Geico, Progressive, Nationwide, Elephant Insurance Services, Esurance , Travelers and many others. You may get quotes from as many companies as you want. But we are very careful about which carriers are available for viewing. As more carriers offer competitive pricing, we add them to the list. And of course, the opposite is also true. Companies with high premiums are removed.

What Is The Cost Of Using Your Service

There is no cost since we do not charge any fees (and never will!). The quotes and information we provide on this website will never cost anyone any money. We also update the website regularly so the information is fresh, and regularly publish any legislative changes that would impact your driving. Whether you have had a license for decades, or are contemplating applying for a temporary permit, we will guide you in the right direction.

How Long Does It Take To Get A Quote?

Instantly, you will see the companies with the best options for you. After that, you will view your quote in less than three minutes. The process is quick and you are easily guided through the questions that you need to answer. You can also view different deductible and liability limit options. Any available discount is automatically credited and "preferred" rates are given to drivers with clean MVR reports. NOTE: You may not save as much money as the person pictured above, but it doesn't hurt to try!

What are The Minimum Liability Limits I must Have On My Car?

Virginia requires $25,000 bodily injury per person, $50,000 for two or more persons and an additional $20,000 for damage to property. Naturally, you can purchase higher limits for an additional cost. Personal "Umbrellas" are also available from many carriers, although you may be required to increase your existing limits to $100,000 per person and $300,000 per accident. There is also a statewide verification program that ensures policies are compliant with minimum liability requirements.

What Is The Difference Between “Collision” And “Comprehensive” Coverage”

Collision coverage is the physical protection of your car. It covers damage to your car when it is hit by an object or another car. Comprehensive coverage includes fire, theft, flood and many other items other than the collision coverage. Typically, your collision deductible is higher than the comprehensive deductible. Of course, the higher the deductible, the lower your rate.

Usually, submitting a comprehensive claim will not increase your premium, since it is generally not your fault. However, most submitted collision claims are "at-fault," and may result in a higher rate on the next policy anniversary. Multiple collision claims assigned to the same driver within a short period of time can result in a sharp rate increase.

How Often Should I Shop For New Insurance?

It is always a good idea to compare rates at least once every three years. However, that doesn’t necessarily mean you should change companies every time you find a lower rate. If your expected savings is nominal, then stay put. If you can reduce your rates by 15% or more, a change should be considered. But the reputation and reliability of the new company must also be considered. NOTE: If you have two teenage drivers with less than three years of experience, you should not attempt to change carriers.

Will My Auto Insurance Be Cancelled If I Have An Accident?

Unless you have had multiple accidents within a fairly short period of time, it is unlikely that you will be cancelled. It’s possible that your rate will increase, depending on how long you have been insured with the company. However, there are specific companies that under certain circumstances, will not raise your premium. Comprehensive claims (fire, vandalism, theft etc...) must also be considered.

Does My Auto Insurance Cover Me When I Drive Outside Of Virginia?

Yes. Your coverage follows you anywhere in the country that you drive. However, don't drive in Canada or Mexico without consulting your broker. If your vehicle needs to be repaired, you can use body shops and dealerships that are located outside of Virginia. We (or your current company) can recommend a reputable location to have the repairs completed. It's critical that they are licensed and bonded. And of course, paying with a credit card offers some added protection.

When Should I Take Full Coverage Off?

It depends on the value of the vehicle. For example, a 10-year old car that originally cost $40,000 new and now has only 60,000 miles, should probably retain its collision coverage. However, if a vehicle 10 years old cost $20,000 new, and now has 140,000 miles, it may be time to drop the collision coverage and keep only liability and comprehensive. Another important factor is whether you have suitable replacement transportation, or can afford to buy another car or truck.

How Much Will My Rate Go Up When I Add A Teenager To The Policy?

That depends on a number of factors. Usually, males are more expensive than females. Another variable is the types of cars you have. If they are all new vehicles, the increase will be more substantial than if you had older cars. However, a "good student” discount of about 10%-15% is available from most companies, so make sure they maintain a “B” average. If they spend most of their time on-campus, and rarely come home, a "student-away" discount may apply, which is more substantial.

What Is A Common Discount That I Could Be Getting?

When you retire, you should notify your agent since you may qualify for a discount. If you change your driving habits, the rate may reduce. Also, if you purchase a car alarm, you will probably receive a reduction in your rates. You can view additional discounts here. The article from ABC News, was orginally published in 2013, but is still relevant. All of the discounts are still offered.

Do Virginia Car Insurance Rates Ever Go Down?

Yes! Although not very often, there are instances where an auto insurer actually lowers their rate. When that occurs, you are notified in writing and your new bill will reflect the reduced premium. Because of stabilizing vehicle repair costs, and more out-of-court settlements, it's no longer unusual for your premium to reduce.

To view your personal quotes, simply enter your zip code in the box at the top or bottom of the page. Then, simply pick the companies whose quotes you would like to view.