Free Virginia car insurance quotes are instantly available on our website. We allow you to quickly view cheap premiums from the nation’s best auto insurance companies. There are never any fees for our service and we update our information daily to ensure your quotes are accurate. We help you find affordable coverage by researching and comparing the top available policies in your part of Va.
The Quick Process
Once you have entered your zip code in the box at the top of the page, you’ll be able to choose the major company that will provide your quote. We only work with large reputable carriers such as Geico, Progressive, Elephant, State Farm, Nationwide, Esurance, Travelers, AARP and Allstate. Our 24/7 online service allows you to find low-cost premiums and apply for coverage. Typically, you can apply online, in person, and sometimes via fax or email. Smartphone technology is also available with selected carriers that allows you to conduct limited business.
The quotes are of course free, and there is never an obligation to accept any offer that you receive. The process of answering questions and providing basic information only takes about five minutes, and you may be able save hundreds of dollars per year and increase your coverage at the same time. You have a choice of directly applying or utilizing our assistance. NOTE: Not all persons will be able to save money. For example, if you have three or four tickets and/or accidents on your current MVR report, you may not be able to substantially reduce your premium. Also, if any of your vehicles have unrepaired damage, you will have to wait until it has been taken care of.
Get More Than One Car Insurance Quote
It is generally advisable to request rates from more than one company. It is also possible that in your particular zip code, there may be a company in Virginia that offers rates significantly lower than other companies. Each insurer uses different underwriting guidelines and sometimes you will see large fluctuations in rates. Also, it's very possible that a carrier that was uncompetitive a few years ago, now may be one of your best options to consider.
As an example, you might receive a quote that is 20% less than what you pay simply because that carrier classifies your car in a different way. Also, if you have quite a few moving violations on your record, each company will surcharge in a different way. Certain carriers may provide much more favorable options. You can view additional information about high-risk policies here. Anytime you are convicted of a DUI, DWI, or other major offense, it typically takes three years for "standard" coverage to become available.
Buying The Cheapest Policy
If you want to pay as little as possible, and your top priority is to minimize your premium without regard to coverage, you will be able to view very low quotes on our website. If your vehicle is not financed, you are not required to purchase collision or comprehensive coverages. And although we recommend higher amounts of liability, you are only required to have the state minimum liability limits. These low limits may result in very cheap rates in some areas of the state.
However, selecting the state minimum or low liability limits leave you in a vulnerable position in case you are involved in an at-fault accident. If litigation resulted from your negligence (even partial), the requested judgement could easily exceed your existing coverage limits. In these circumstances, your assets may be at risk along with a portion of your future earnings.
Begin Saving Money Today
By entering your zip code at the top of the page, you will be on your way to viewing affordable quotes from the top Virginia car insurers. Most companies have a streamlined application process that makes it easy for you to get coverage…even if you need to have your vehicle insured within 24-48 hours. We will assist you in the application process so that you can quickly secure coverage. By shopping and comparing, we save you time and money.
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.