Rising auto insurance prices in Virginia are always a concern. It seems that every year, Virgina car insurance prices are increasing, while coverages are staying the same. We’re also seeing the volatility of rates and will work with you to ensure you are paying the lowest possible premium. That’s one reason why we offer free comprehensive quotes from top companies like Geico, Progressive, State Farm, Allstate and Nationwide. We understand that the cost of coverage tends to go up. But if we can keep your costs fairly stable and avoid huge increases, you'll be very satisfied.
As auto rates rise, there are many options to keep those increases in check, and perhaps even eliminate them. One of the most effective methods is to review what you are being charged and to compare online every three or four years. It’s possible you may not be aware of how fast your rates have been increasing and what alternatives are available from the other reputable large carriers. We make it easy for you to compare Virginia policies. By providing your zip code, you can easily compare rates with the companies that would like your business.
Higher costs are often partially a result of incomplete information. For example, typically, rates are based on the initial information you provided when you applied for a policy. That could have been many years ago. While Virginia vehicle insurance information is often updated, there are many instances where the original information is being used to calculate what you are paying to the insurer. Perhaps drivers have left the household or you now park your car in a more secure location. These changes would help. If your driving record has deteriorated, you may need a Va high risk auto policy.
If your driving distance to work has changed or you are now retired, you should notify your agent. Likewise, if you have added an alarm system or anti-theft device, you may be entitled to a discount. Sometimes, just by getting older (age 55), your rate can decline. A few carriers also offer reductions at age 65. And it never is a bad idea to ask if you would save money by belonging to a local Senior organization.
But as most of us know, using all of the available discounts still may not prevent your auto insurance rate from rising substantially. That’s why we carefully choose the companies we represent so we can provide quotes that will both save you money, and also (hopefully) keep the premium fairly stable. When you view the top carriers on our website, you won’t ever see the stereotypical smaller companies that notoriously raise their rates 20% every six months.
Since the process of getting a Virginia auto insurance quote is free, naturally, it’s advisable to compare premiums of many different companies. As we earlier mentioned, we have purposely created this website to make it easy for you to view and compare prices of the carriers that you are NOT insured with! That’s the only way you’ll know if you are paying too high of a price for your coverage. You may find out that you already have the best deal. Then again, you might ask yourself why you waited so long to shop around!
If you are completely satisfied with the company you are insured with, then the best way to handle rising premiums is to request your agent to review your existing policy and verify that all available discounts are being applied. Then, simply monitor your rate increases and compare prices at least once every 3-5 years.
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.