You can easily compare Virginia auto insurance prices. Rates are published online, and are very accurate, assuming you provide the necessary requested information. We’ll quickly teach you what coverages are important when making your comparison and how to easily identify the lowest prices. And finally, if you’re ready to apply for a policy, the process will be quick. We research so it's easier for you to save!
Although our website will do the shopping for you and provide the links to allow you to quickly apply for the best auto coverage, we also want to educate you so you know what to look for in a Virginia car policy.And of course, we’ll try to explain what parts of a policy are standard and therefore, do not have to be shopped.
To accurately compare prices, you must be certain you are considering the same deductible. If you currently have $250 deductibles on your collision and comprehensive coverages, it’s imperative that you base your analysis on similar deductibles. And of course, if you carry a $500 or $1,000 deductible, the same theory applies. I hate to be trite; but quite simply, the “apples to apples” concept applies. However, it typically is always a good idea to consider higher deductibles, especially if you rarely submit claims.
The Limits Of Liability
There’s a simple explanation why some car insurance prices are lower than others. It’s because their policy only includes the state minimum limits, which are currently $25,000/$50,000/$20,000 (Bodily injury per person/per accident/property damage). Typically, other states have lower requirements. For example, Ohio, Pennsylvania and New Jersey liability limits are about half of Virginia’s requirements.
However, regardless of what the minimum standards are, when comparing, you must make sure the quote you receive has the same (or higher) limits that you do. Thus, if you carry 100/300/50 limits, do not consider 50/100/25 limits in your research. You’ll find that when you provide your zip code in the quote section at the top of the page, we have made it easy to determine which companies will be the best options to get your quotes. And you will be able to adjust the level of benefits so you can easily determine the savings.
The Reputation Of The Insurer
One observation I have made in my 32 years in the business, is that not enough emphasis is spent on checking the background and reliability of the car insurance company you are going to do business with. You can’t go wrong with Geico, Allstate, Farmers, Progressive, Travelers and almost all of the big-name insurers. And you’ll find that our website typically uses only the big companies that usually offer the lowest rates. This means that we will be considering a few dozen carriers at all times.
However, if you are offered a rate that is substantially less than what you pay, but you have never heard of the company, I would be very cautious. It’s important to check the rating of that company, how efficiently and quickly they pay claims, how long they have been licensed in the state, and their “complaint ratio,” if available through the Department Of Insurance.
Naturally, a company that has a large volume of complaints, is just a headache waiting to happen. You can also check various other rating agencies such as Standard & Poors, Moody's and A.M. Best Company. All three organizations will provide accurate and unbiased information...just like us!
Comparing and ultimately saving money on your Virginia auto insurance prices is what we do best. No, we can’t guarantee you’ll cut your premium in half, but we’re very confident that the free quotes you view here will be worth your time.
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.