Affordable And Low Cost Virginia Car Insurance Rates
Affordable And Low Cost Virginia Car Insurance Rates
Find the cheapest auto insurance in Virginia and lower your premium. Instantly compare multiple companies with a free online quote and save. We shop all of the major reputable carriers so you can easily and quickly view the best Va. prices. Both preferred and high-risk policies are available to young and Senior drivers. If you are uninsured or need same-day coverage, we can also help. State minimum or higher limits are offered along with many cost-saving collision and comprehensive deductible options for financed or leased vehicles. GAP benefits are also available.
We are the premier trusted resource for affordable car insurance in Virginia. We provide fast free online or phone quotes from the large and small companies such as Geico, Allstate, Progressive, Safeco, Hartford, Travelers, Liberty Mutual, Esurance, USAA, Va Farm Bureau, Integon, and many others. The rates you view on our website are the lowest available options provided by each company. We do the shopping and updating, so you always are viewing the best deals. Additional property and casualty products are offered on an individual and group basis, including coverage for primary homes, rental and investment property, motocycles, RVs, motor homes, snowmobiles, ATVs, and mobile homes.
You can also find helpful information on claim assistance, car buying advice and state liability requirements. Many of our articles will tell you the best way to lower your auto insurance cost without sacrificing coverage. If there are discounts offered by your carrier that will substantially lower prices, we explain how to take advantage of it. If there are specific riders or amendments that should be aware of, we write about it. As self-driving vehicles become more popular, we will review the possible impact it has on your own personal policy. And when new safety devices are added to the vehicles you drive, additional rate reductions may be applied. Many 2020 vehicles are equipped with new features and options.
Getting The Free Quote
By entering your zip code in the “Get Affordable Auto Insurance" box, easily you can view your options and determine which company will offer you the least expensive policy with the most reliable coverage. Typically, we advise our clients to compare premiums from two or three different companies to maximize your potential savings. Anytime you add a driver or vehicle, it may be time to make a quick comparison since carriers have different rating guidelines. If you move to a different city or state, your current premium could change. Several Senior discounts are offered to persons that have reached age 65, or retired persons ages 55 and above.
Of course, after you save 30% on your premiums, you may not be quite as happy as the gentleman pictured below. But we believe you'll be be impressed with how quickly you were able to compare the best options and view the savings! As a "fault" state (opposite of "no-fault), you can be surcharged for an accident that you cause. An excess number of claims and/or moving violations, may force you to consider non-standard (high risk) coverage. However, once your driving record improves, you will be eligible for preferred pricing. Most carriers provide additional rate reductions if you have no claims for 36 or 60 months. 12 months of safe driving or the inclusion of monitoring devices also can reduce the premium.
Each insurer underwrites policies differently so you may see large differences from one company to another. We help by quickly shopping for quotes that give you the most savings. We understand that young drivers will pay more and those persons with great credit and no violations will pay less. Regardless of your credit or driving record, we understand how to find the best deals, and we share them with you. Your AAA or AARP membership may qualify for additional discounts. Many Seniors can qualify for low-mileage discounts.
For some drivers, Progressive rates in Virginia will be the best option along with other larger companies. However, for many others, smaller companies, such as Erie, State Auto, American Family, or Esurance, may offer better prices simply because of the way they rate or specific underwriting guideline niches. If you recently added a teenager or a newer vehicle to your policy, often an unusually excessive premium increase follows. Often, this is an ideal time to request a free quote from our website.
Our Experience And Expertise
Backed by more than 38 years of experience, we feel it is important to simplify the process of purchasing coverage, by allowing you to buy your policy online in approximately 15-25 minutes. There are no fees for using our service and we will help you save a significant amount of time and money. If you have a "special" situation, such as a suspended license, classic cars, out-of-state residences, or non-owned vehicles, we can show you how to provide the best coverage for your specific circumstances. Whether you are a new or experienced driver, affordable options are available.
Most Virginia car companies offer many discounts that can potentially save you hundreds of dollars on your premium. We’ll take the time to find those discounts and make them available to you. And since we are independent, all of the prices and information you see is completely unbiased. As carriers add discounts to their policies, they are instantly added to our quote engine.
Although most discounts are well-known, such as "multi-policy," "multi-car," and "55 and retired," there are several other methods of lowering your premium. For example, discounts that apply to young drivers and students make the biggest impact, and we ensure that you qualify for every available reduction that is offered. Students with good grades can often qualify for rate reductions that reduce premiums by $100-$200 per year.
Occasionally, membership in an organization (AAA and AARP for example) may be a great investment, depending on the carrier. For example, spending $60 per year for a AAA membership might save you 5% on your premium. If you're paying $1,000 every six months, the $100 per year reduction is a great deal. Conversely, if your carrier only offers a 2% reduction, the $40 discount won't cover the entire membership.
Low premiums are not the only factor that determines which company might be your best choice. We also feel it is important to consider the rating and safety of the company, how quickly they pay claims, the quality of the coverage you are receiving and the customer service support that you receive. The financial safety (and ratings) are also considered when we recommend a company. The Virginia Department of Insurance monitors companies registered to conduct business in the state, and also approves (or disapproves) any requested rate increases.
We also believe it is imperative to select the companies they are most likely to keep their price in Virginia stable. If your rate is going to substantially increase each year, we know that's not the type of carrier you want to deal with. The stability and dependability of your coverage and premium must always be considered.
In addition to your vehicles, we understand that you are likely to have other insurance needs, especially for your personal property and/or home. You may also own rental property, motorcycles, an ATV, boats, a travel trailer, camper or even a golf cart. Since many companies offer large rate reductions for bundling different products, show you the most affordable options when providing coverage for all of your assets.
Sometimes, it's financially prudent to utilize several carriers instead of just one. Since we are independent, we can effectively show you the best products from all of the major companies, instead of just a selected few.
App-based transportation may finally become a reality in Virginia as ride-share companies Lyft and Uber await possible legislative approval. Although they are temporarily allowed to operate, the new law would impose a $100,000 fee to permanently operate full-time. A $1 million accidental coverage will be required for all persons in the vehicle.
Background checks would be mandatory and as expected, no discriminatory practices would be tolerated. Ride-share companies in many other areas of the country are functioning well and it's expected that the concept would become popular in our state as well.