Cheap Car Insurance in Virginia

Every driver in Virginia is required by law to buy auto insurance. Still, there are ways to get cheap auto insurance in the Old Dominian State and save every month.

One way to save money on auto insurance is to compare quotes online. There are a number of websites that allow you to compare the prices of competing insurance companies. However, it’s best to stick with websites such as AutoInsuranceWorld.net that provide quotes from reputable names in the industry with a track record of customer excellence.

Besides comparing quotes online, there are several different things you can do that will save you money. Let’s start with something fairly simple. If you can park your car in a garage at night, you’ll save money on your insurance every month.

If you pay your premium automatically out of your checking account, you’ll also save money month after month.

If you keep your driving record clean — that means no speeding tickets, no moving violations of any kind, and definitely no convictions for DUI or DWI — then you will also save a great deal on your auto insurance over time.

If you can drive less, you’ll save money. Many people are looking to public transportation for a lot of their commuting needs, allowing them to leave their car parked most of the time. If you can reduce your driving to fewer than 500 miles per month, you may qualify for a discount that could save you plenty.

Similarly, if you can carpool to work, you can reduce your insurance costs. A portion of your premium is based on the number of times that you drive back and forth to work every month. If you can reduce the number of times you make that commute, then your cost for auto insurance will drop.

If you retire or stop your commute for any other reason, let your agent know. Not driving in rush-hour traffic every day will save you quite a bit on your premiums.

Don’t insure older vehicles with little or no Kelly Blue Book value with comprehensive or collision coverage. Doing so is a waste of your money. You would be better off canceling these premium features and putting the savings toward a new car.

If you have health insurance that is separate from your auto insurance policy, you may be able to save money by not purchasing Personal Injury Protection coverage or by reducing the amount of your coverage. Talk to your agent about how this works.

Don’t make small claims. If you are claim-free for at least six months, ask if you qualify for a discount.

Increase your deductible. Obviously, you must weigh this option carefully since you will be required to pay your deductible out of your own pocket any time you file a claim. Don’t agree to pay more than you think you can actually afford.

You now know everything you need to know about finding cheap auto insurance in Virginia. Get your fast free quotes at the top of this page or right below!