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Comparing Companies

Do shop around!  Virginia auto insurance companies are competing for your business, assuming you are an equitable driver, and you will receive different quotes from different Virginia auto insurance companies.  On the other hand, if you are a high-risk driver with speeding tickets and a DWI/DUI, for example, on your Virginia Driving Record, you may be turned down by some auto insurance companies and be forced to acquire auto insurance from agencies that quote outrageously high rates.  This is the consequence of careless or reckless driving behavior.   


Many Virginia auto insurance companies now offer quotes online, and some will even offer you a personalized quote that is compared to other popular auto insurance companies.  Use all of the resources available and find the quote and company that best suits you. It is also beneficial to keep all of your insurance coverage with one agency.  If you choose one agency to ensure your home and your vehicles, you are sure to receive insurance discounts. A final new option is e-insurance coverage.  You will find significantly lower rates and premiums when you use an e-insurance company because they have eliminated most of the overhead found at your typical insurance agency.


Finally, it is important to note that auto insurance rates and premiums do increase from time-to-time.  This can be the result of an accident or traffic violation, of course, but it can also be an adjustment in the industry.  As a general rule of thumb, you can expect your small insurance agency to follow suit with the larger insurance agencies in the State.  Watch for rate increases and investigate alternatives if the increases are unreasonable.


No matter your driving record or current status, you will be offered competitive rates by numerous auto insurance companies, so take the time to shop and compare.  Also, take the time to research a new auto insurance company if your rates skyrocket, and always ask about premium reductions and possible insurance discounts

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