Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Virginia drivers without a recent at-fault accident can save 33% on their car insurance premiums, on average — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
Because car insurance companies all offer a similar product and have similar business models, choosing the right car insurance company is all about finding the balance of coverage, cost, and customer service that’s right for you. Some auto insurance companies let you do almost everything online with no human interaction – from getting a free car-insurance quote to buying a policy to making a claim. Others use local agents who meet with you and walk you through the process. Some auto insurance companies also offer a wide range of insurance and financial products, including banking, so you can handle much of your personal business in one place. Car insurance discounts vary by company, as does each company’s online tools and mobile apps. Start by deciding how much car insurance you need. Next, compare car insurance rates from different companies. Then, find best car insurance company for you, based on your budget and the level of customer service you want.
Disclaimer: CarInsuranceComparison.com strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage.
Liability insurance covers you if you’re in an accident deemed to be your fault. It will cover repairs to damaged property, as well as medical bills resulting from injury to the other driver and his or her passengers. Most states require at least a minimum amount of liability insurance, but it’s a good idea to purchase extra protection if you can afford it.
Traveler’s insurance is a publicly traded company that offers business and personal insurance. They do not offer financial products or banking. Though Traveler’s insurance has just a 2 percent market share for car insurance, it does have one major distinction: In 1897, it offered the nation’s first automobile insurance policy. It’s also the only insurance company that’s part of the Dow Jones Industrial Average, though most people know Traveler’s from its sponsorship of the Traveler’s golf championship.
When you choose antique or classic car insurance with us, you and State Farm will agree on the value of the car. If the car experiences a total covered loss, we will pay the agreed-upon value, rather than the actual cash value of the car as long as there is no prior damage to the car, parts have not been removed, and the car's condition has not deteriorated because of abuse or neglect.*
Step 1: Gather your information. To obtain a quote you will need birth dates, an email address, and a previous address in most cases. Also, know what type of car you are driving. This is more than make and model. Know what trim package you have, etc. These little things do matter. If you are currently insured, having your policy handy is not a bad idea.

We identified the auto insurance companies with the cheapest rates, but, as with anything, you want to be sure you are getting high quality service from your insurance company. Reliable car insurance companies are critical in ensuring a smooth customer-insurer relationship. There are a few factors we deemed most important to evaluate a company on which affect policy holders' satisfaction, such as, the average shopping experience, customer service, ability to resolve complaints, and quote filing process.
Gap insurance is another type of coverage you may want. Because new cars tend to lose value quickly, many drivers owe more money on their cars than the car is worth. That means that if an accident totals the car, they’ll only get the value of their car, not the amount they owe, and they’re on the hook for the difference. If you owe more on your car than it’s worth, gap insurance can protect you in case of total loss. Some lenders and lease companies also require you have this kind of coverage.
Besides being legally required in almost every state, auto insurance is an incredibly important part of your financial safety net. The average car insurance claim in 2013 was over $15,000 for bodily injury and over $3,200 for property damage. Car insurance is there to cover medical bills, vehicle repair or replacement, and keeps you off the hook for injury and damage liability for others. Your premiums will go up if you cause an accident, but that’s better than the alternative.
With its roots in insuring farmers, American Family offers farm and ranch insurance in addition to other types of business insurance, as well as home, renters motorcycle, snowmobile, and classic car insurance. American Family car insurance discounts include multi-policy discounts, family discounts, safe driver discounts, low-mileage discounts, auto-pay discounts, and a full-pay discount when you pay for insurance upfront, instead of in monthly payments.
Some insurance companies offer certain benefits for your teenagers if you’re an existing customer. If your child wants to insure their vehicle with the same insurance company, they might receive a rating for every year they’ve been driving while licensed and haven’t made a claim. Check with your insurance company as some offer additional perks such as free one-day skilled drivers courses, which are meant to help them with their driving skills and offer discounts after completing the course.
Part of why car insurance quotes are so confusing is because car insurance itself is confusing. For starters, there are different types of coverage. Some are required by law; some are not. And the specifics vary by state. We’ve got a full explainer on how car insurance works right here. But, since it’s so crucial to understanding your quotes, here’s an overview of the major components of an auto insurance policy — and what they cover.
Keep an eye on your credit score: Maintaining a solid credit score is recommended no matter what, but it’s especially important when your score is being referenced to develop your auto insurance policy. Just as you investigate a car’s accident history before purchasing, insurers are investigating your payment history before doing business with you. The higher the risk, the higher the policy costs.
Progressive Home Advantage® policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PSIA's commission. Discounts not available in all states and situations.
During our research, we interacted with several independent agents who refused to give us a single detail about higher-priced plans. Despite our persistence, we were repeatedly asked, “Why would you want to consider something that costs more?” and we did not get the information we wanted. On the flip side, if your rates go up after committing to a policy, independent agents are best-suited to help you negotiate a lower price.
When shopping for affordable car insurance quotes, come in with a good idea of your vehicle's value via Kelley Blue Book and NADA. If you determine your vehicle is worth more than $4,000 but you need to save money, consider raising your deductible. Because your car insurance deductible and premium are inversely related, you can lower your bill by raising your deductible. Looking at the chart below, you can see how your premium is affected by adjusting your deductible.

Other pros of Progressive include it being an online company. You can get a quote directly from the Progressive website without having to speak to an agent. Cons of Progressive involve its customer service. Customers in the J.D. Power survey only gave mediocre remarks for Progressive for its buying experience and claims handling process. It isn't the worst, but Progressive is far from the best in the field. Because of this, Progressive might be the best insurer ideally for customers prioritizing low rates, especially after an accident, and do not mind a bit more cumbersome claims handling process.
Step 6: Make your choice. Now that you have weighed your choices, make your purchase. Be sure that you make all the choices that you made when you ran your quote. Make sure that there is nothing you have to do at the onset of your policy that will matter later on in your policy life, such as signing up for a safe driving tool that would give you a discount at a later date. Remember, your unique situation will determine which company is best for you.

Keep an eye on your credit score: Maintaining a solid credit score is recommended no matter what, but it’s especially important when your score is being referenced to develop your auto insurance policy. Just as you investigate a car’s accident history before purchasing, insurers are investigating your payment history before doing business with you. The higher the risk, the higher the policy costs.

This fee is when submission of an SR-22 is requested by the policyholder. According to the Safety Responsibility or Evidence of Financial Responsibility law, persons whose driving privilege has been suspended or revoked for an accident, conviction, or judgment are required to file and maintain a Form SR-22 with the Department of Public Safety. If you feel that you may be required to file an SR-22, contact the Department of Public Safety for further clarification.
The amount of coverage required by law varies from state to state. If you are a cautious person, you might opt for a more expensive policy with better coverage. If you have a lot of assets, experts recommend that you get enough liability coverage to protect them; otherwise, the other party involved in an accident could sue and attempt to collect on those assets.
Coverage limits play a huge role in how much your auto insurance premiums cost, but so will your deductible. Since you’ll be required to pay your deductible in full to access your insurance benefits after an accident, it’s important to make sure your deductible is affordable enough you can cover it with your savings. The right auto policy for your needs will have the right combination of healthy coverage limits with an annual deductible you can actually afford.

American Modern is backed by GEICO and provides classic and collector car insurance for a wide array of vehicles. American Modern provides flexible mileage plans, including an unlimited one which is perfect for collectors who like to drive their vehicle occasionally. With American Modern, you also get the largest standard spare parts coverage, as well as 'inflation guard' which ensures your policy scales as your car increases in value.
With its roots in insuring farmers, American Family offers farm and ranch insurance in addition to other types of business insurance, as well as home, renters motorcycle, snowmobile, and classic car insurance. American Family car insurance discounts include multi-policy discounts, family discounts, safe driver discounts, low-mileage discounts, auto-pay discounts, and a full-pay discount when you pay for insurance upfront, instead of in monthly payments.
Advertising Disclosure: TheSimpleDollar.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. For more information and a complete list of our advertising partners, please check out our full Advertising Disclosure. TheSimpleDollar.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.
Connecticut’s congested roads and high number of luxury vehicles raise the state’s typical auto insurance premium $160 above the national average, and the recent increase in state-minimum coverage could cause prices to climb even higher. However, those congested roads are exactly why it’s important to find good auto insurance, and it’s still possible to find a great deal by shopping around. We recommend starting your search by reading our reviews of the best Connecticut auto insurance companies below.
Virginia has a 10-year lookback period for most offenses, though subsequent offenses committed within five years may lead to harsher penalties. Penalties are also enhanced for high or extremely high BAC levels or for committing a DUI offense while transporting a passenger who is 17 years old or younger. All DUI offenders must report to an Alcohol Safety Action Program for screening and review. There may be a required attendance in classes or treatment before license reinstatement.
It is one of the three highest-rated automotive insurers in the country. The only downside is its limited availability: USAA only services the immediate families of active and former members of the military. Given those restrictions, the quote process is a bit more intense compared to its competitors, but that’s a small price to pay for its exemplary service.
This is a $10.00 fee that is applied to your account for a reinstatement related to non-pay cancellations. For example, if you miss your payment due date, and cannot pay before the cancellation date on your non-pay cancellation notice, a $10.00 fee will be applied to your account if and only if you decide to reinstate your policy. Elephant will never charge you a reinstatement fee if your policy has been canceled in error.
Connecticut’s congested roads and high number of luxury vehicles raise the state’s typical auto insurance premium $160 above the national average, and the recent increase in state-minimum coverage could cause prices to climb even higher. However, those congested roads are exactly why it’s important to find good auto insurance, and it’s still possible to find a great deal by shopping around. We recommend starting your search by reading our reviews of the best Connecticut auto insurance companies below.
Choose from 3 standard options or customize your coverage to fit your needs and budget! Infinity wants to make it as easy as possible for you to find the right car insurance coverage. Whether your budget is limited and you need to meet state­-minimum requirements or you want the best protection possible, Infinity has you covered. Get your free auto insurance quote online today!
We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.
If you drive under a certain amount of miles every year, you can tell your insurance company and possibly qualify for a low mileage discount. This is a common discount that many drivers actually qualify for but are not aware of. If you only use your car for occasional short trips, you can sign up for a usage-based insurance program that determines your rates based on how much you drive.
Your auto insurance quotes can vary based on your circumstances. You should shop around for new car insurance quotes as often as possible! For the most part, car insurance policies are non-binding. If you find a better rate elsewhere, cancel your current policy and move on to the next. The remaining outstanding premium should be refunded back to you. Opportunities to look for cheaper rates include when you move, when you add or change a car to your policy, get married, or celebrate a birthday.

When looking at the rankings of the top auto insurance companies in the United States, most of the names are recognizable due to their national television advertising campaigns. The top ten insurance companies offer varied insurance rates, customer claims experience and features. We discuss the top ten biggest auto insurance companies in the U.S. and what you should know about each of them below:
"Teens are very likely to pick up the habits of their parents,” says J.C. Fawcett of the Defensive Driving School. “A parent should think about. Do I cuss at other drivers while driving? Do I speed? Do I tailgate? The training that comes from students observing their parents is very powerful. If a parent attempts to change their habits only when their teen is learning to drive, it's probably 10 years too late."

The biggest downside to Erie is that it is only available in Illinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. As well, Erie still relies strongly on its agent network; which isn't always a bad thing. A strong agent network is usually key to ensuring a smooth claims process. If you want to quickly buy car insurance without speaking to anyone though, Erie may not be the company for you. While you can start the process online, you ultimately will have to speak with an agent to finalize your quote. Erie will be ideal for any customers within its market, who do not mind putting in some extra effort to get quality and cheap auto insurance.
×