Being a smart shopper means not paying more than you need to for things. It means reducing costs every chance you get. Finding cheap car insurance quotes in Virginia is a great way to accomplish your goals of being that savvy shopper.
But pulling it off is not as easy as it may seem.
While there is an abundance of auto insurance providers in Virginia, it’s difficult to determine which one of them is the best option for you and your car. That’s why quote-by-quote comparisons of a few companies is the only realistic system for finding the needed coverage at the best rate.
But you don’t want to compare the rates of just any insurers. You want to do your comparison in a smart, logical manner. You want to do it in a way that ensures you don’t end up wasting so much time with companies that have no intention of giving you their best rates.
In other words, you want to kick off your rate comparison with the best insurers.
You’ll find those insurers on this page.
The Companies that Provide Cheap Car Insurance in Virginia
Here are the insurers our research has shown to have cheap car insurance quotes in Virginia. By examining what other insurance buyers in the state had to say about a company’s rates and service, we were able to put together this list to make the process of finding the right insurer quicker.
Erie Car Insurance – Virginia drivers can get 12 or more discounts from Erie. This can go a long way in reducing your insurance bill in the state. It’s one of the reasons their rates are so competitive. You can choose how much or how little coverage you want without being penalized by the company. They’ve been in operation since 1925 and are a sound financial institution. You won’t have to worry about them going out of business anytime soon.
Prosper Insurance Group – they are a local agent that can search through many of the big insurers to get you the best quotes. It’s always good to get a quote from an agent because they can do much of the research for you… provided they have your best interest in mind. That’s what Prosper offers. So getting a rate-quote from them is time well spent.
Geico Auto Insurance – they make it on to another state list of top insurers. It’s easy to see why. They can usually produce better quotes than most of their competitors. And they do it by keeping their own costs down. They don’t have many physical locations, so they save on real estate costs and pass those savings onto their customers. They are also fairly good at helping their customers when they are involved in an accident.
Obtaining Virginia car insurance quotes from these firms puts you on a path to insurance savings. But if you believe another company not listed here can save you more, then get a quote from that company. Put that new quote up against the rates you were given by the insurers listed here.
Examining as many firms as possible is the only real way to get the lowest rates.
Best Car Insurance Quotes in Every Part of Virginia
Do you call Virginia Beach or Norfolk home? How about Richmond or Roanoke? Maybe it’s Hampton or Fairfax?
It doesn’t matter where in the state you’ll be parking your vehicle most often… because when you use the strategies and companies talked about on this page, you’ll be well on your way to bigger savings and better car insurance coverage in VA.
And you don’t even need to leave your home to pull it off. Everything you need is right on your computer screen.
So whether it’s Fairfax County, Prince William County, Loudoun or Arlington County, finding that one insurer that has the lowest price for you and your car has never been so easy.
It doesn’t matter if you live in one of the larger cities or in a more rural town in VA, lowering your yearly insurance bill is possible. If you’re a new driver you might want to first learn what your legally required to do in Virginia to comply with the law.
Virginia Car Insurance Laws and Requirements
When you are ready to put your car on the road and drive, familiarizing yourself with car insurance requirements in Virginia is critical.
For VA residents, vehicle insurance laws are very easy to understand and pretty straightforward compared to other types of financial instruments… even for young drivers.
What makes Virginia different from most other states is that technically, you don’t need insurance coverage from an insurer in the state to be on the road legally.
But if you don’t pay for an insurance policy, you must pay the Department of Motor Vehicle a fee of $500 every year to keep driving. And this fee doesn’t give you any insurance coverage.
So if you’re involved in an accident, you will have to pay for any damage you cause to others and their property. And you will have to pay for it out of your own pocket. Not having insurance as well as not paying the $500 fee to the DMV will result in you getting your license suspended.
If You Decide to Get Coverage from an Insurer…
By deciding to get coverage instead of paying the DMV $500, you’ll be much more protected in the event something happens on the road. The coverage you’ll need to comply with the law is as follows…
You need liability coverage for bodily injury and property damage. This coverage takes care of 3 vital things…
- Injury you cause to others in an accident
- Damage to other people’s property
- Coverage in case someone else dies in an auto accident
You need $20,000 worth of coverage for property damage. And you need $25,000 for any injuries or the death of another person. You also need $50,000 for death or injury to more than one person.
Those are the minimum coverages needed for liability auto insurance in Virginia. And remember, you can either pay for these coverages or pay the $500 amount to the DMV. Either one you choose will ensure that you are driving legally in the state.
Related: See rates from North Carolina companies.
Don’t Forget Uninsured and Underinsured Coverage
By law, you must also buy uninsured or underinsured motorist coverage. With this coverage, you will be covered if you have had an accident with someone who is not insured or if the other person is not able to cover your expenses after an accident.
The limits for underinsured motorist coverage are the same as liability insurance coverage mentioned above. The numbers given above are the minimum coverage amounts as specified by the state.
However, you can always buy more coverage depending on your needs. To cover your car for damages such as fire, theft, vandalism etc. you will have to purchase comprehensive coverage.
Receiving the cheapest car insurance in Virginia while still getting this extra protection will come down to finding the best company. And the surest way to do that is to shop around.
Also, if you want your insurance to pay for the damages done to your car after an accident, you will have to purchase collision insurance.
Despite not needing these coverages from a legal standpoint, it is highly recommended you buy them to secure your finances and give yourself some extra protection – in case something unexpected happens to you or someone else on the road.
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