Low cost Va car insurance rates can save you thousands of dollars per year on your premium. The difference can be so substantial, that over time, it will almost pay for the cost of a new vehicle.But how do you find these prices and what companies offer them? We’re experts in the business so we’ll show you how.
It’s important to understand that not all carriers offer low rates in every part of the state. Whether its car, health or home insurance, all of the top companies have different offers throughout Virginia. And while in some areas prices rates are low, in other areas they are higher. Sometimes, a difference of living five miles away can result in a change of hundreds of dollars per year (or more) in your premium.
What We Do For You
Our expertise is to match you with the cheapest offers in your area, while taking into consideration the coverages you want and what impact your cars and driving record have on that the top companies. It’s highly possible (this is hypothetical) that Geico in Virginia might save you $500 per year in the Richmond area, but cost $250 more per year in Charlottesville. Or, for example, Progressive might offer great rates in the Southern portion of Virginia while their rates in Fairfax are quite high. Again…these scenarios are hypothetical.
With 33 years of experience helpng shoppers just like you, we also understand that comparing and possibly switcing policies can be time-consuming and a bit challenging. We take the hard parts and simplify them so if you do choose to change carriers, we'll help you every step along the way.
The purpose of shopping for cheap Virginia car insurance is to find inexpensive policies quickly, without too much hassle and without paying any fees. And when you provide your zip code at the top of the page, you’ll notice we have pre-selected the companies that will save you the most money, based upon your location. If, for example, Company A has a 30% increase, you may see them disappear from the list.
We also know that sometimes, price reductions are only temporary, and may not apply to you. For example, if Liberty Mutual (again, just an example) reduces their rates by 25% for teenage drivers that are good students, of course, that will not help you if you are retired with no children on your policy. The same concept applies to a company that adds a 15% reduction to anyone over the age of 55. If you are 43 years old, obviously, that discount will not help (or hurt) you.
Cheap Does Not Mean Low Quality
We also take very seriously the quality of the auto policy you purchase. It’s extremely important that the insurer you choose meet the following strict five criteria points that we have established:
·They must be a recognized company with a proven track record, such as Geico, State Farm, Allstate, Progressive etc… If we never heard of the company, you probably won’t see their rates anywhere on our website. If they regularly rank low in handling complaints, once again, we'll skip them.
·The company must have a solid history of paying claims on a timely basis. We don’t believe it is right to recommend a company that has low rates but makes you wait six weeks to get your car repaired. An adjuster should be able to contact you within 24 hours and view the vehicle in a timely manner. Remember...as a consumer, you have many rights and many of them can be fiund in the "Va Know Your Rights Guide."
·We don’t want to see you insured with a carrier that’s going to quickly raise your rates as soon as you have been a customer for a few months. So we do review car insurance rates in Virginia and their history of rate increases and decreases. Although premiums are guaranteed for a specific time period, a substantial raise in prices must be avoided. An "A" rating from A.M. Best Company is helpful.
·Their rates may be cheap, but what about the policy? Is towing coverage included? Will the substitute transportation benefit be enough to pay for your loaner car? We’ll check these out for you. The cost to use a loaner vehicle is much more expensive than it was 10-15 years ago.
·What if you need assistance and you’re out of the area? Perhaps you have an accident outside of Virginia? Can you easily reach someone that can help you? Is there a 24/7 phone number with a LIVE person that will be available?
Another important consideration is to make sure our customers have access to many (or all) of the top insurers on our website and not just a single company. When you get your free quote, you can choose the company(s) you wish to receive prices from. And of course, you can view multiple quotes from many top carriers. This process is very easy, as all you need to do is provide your ZIP code in top or bottom of this page and you will be given instant results.
There’s an old saying…”talk is cheap.” Well…on our website…Virginia car insurance rates are really cheap!
Edward Harris is the owner and founder of this website. Since 1980, he has been helping individuals and families with their car insurance needs. During that time, he has handled more than 10,000 applications and continues to provide service for thousands of clients.
Ed is married with two children and enjoys tennis, golf, and international politics. Reluctantly, he bowls once every 10 years.