Affordable Virginia Car Insurance Rates

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 auto insurance 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.

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.

The Deductible

To accurately compare rates, 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.

The Limits Of Liability

There’s a simple explanation why some Virginia auto 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 Va rates, 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. I believe 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.

The Reputation Of The Insurer

One observation I have made in my 31 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.

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.

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.