Virginia insurance companies have a range of options to meet state requirements. Liability insurance pays for damage to property or people caused by you in an accident. This type of coverage is cheap, but comes with limited coverage.
Virginia has a liability-only average annual cost of $408, less than the $643 national average. To get the best coverage, however, full insurance is recommended when you want to insure your own vehicle.
Full coverage can help you avoid other financial consequences if there is an accident. For example, it could protect you in case of vandalism, theft, or damage to the car. This type of insurance can be significantly reduced by choosing a high-deductible policy.
Discounts and Special Programs
You can save on your car insurance by taking advantage of discounts offered by most insurers in the United States. There are discounts for being a good driver, not having an accident and buying multiple policies. Some companies provide discounts for students, seniors and military personnel.
If you're a new driver, snagging a discount can help lower your monthly payments. In general, new drivers get a lower rate in their first driving year than existing customers. Student discounts can reduce rates up to 20% for young drivers.
Compare insurance quotes in Virginia from multiple companies and choose the best one for you. Each insurance company uses its own rating system. It takes into consideration factors like driving record, age and location.
State Farm Geico Progressive are the three best car insurance companies Virginia has for drivers with bad records. These three companies provide low rates with excellent customer service.
These companies have a good reputation for offering affordable policies to drivers with bad records and offer multiple options for coverages, including collision and comprehensive. Also, they offer additional discounts if you take a defensive-driving course and have safety features installed.
Virginia requires that car insurance providers offer at least 2 types of discounts. Most discounts are given to good drivers, seniors, and members of the military. These discounts can help you save money on your premiums and reduce your overall risk of making a claim.
Online insurance quotes are the best way to compare different companies. Simply enter your ZIP and submit the details. In just a few moments, you'll have an overview on the best deals near you.
You can find cheaper car insurance in Virginia than you may think. Although the state is a home to many insurance companies, there are options that are affordable for every driver.
Cheaper insurance for drivers who have a good driving record
Geico offers the cheapest auto insurance in Virginia to drivers with clean driving records. The company offers great customer service and affordable policies for both new and experienced drivers. Its Snapshot program enables you to customize your policy to fit your specific needs, and it even helps you save money if you're a safe driver.