If you are looking for the cheapest car insurance in VA, you will need to present yourself to a provider as a low risk for coverage purposes. Since insurance companies look at an applicant’s driving history when setting rates, keeping a clean driving record is key to getting the lowest rates.
In a situation where you have been involved in one or more accidents in the past few years or if you have accumulated traffic tickets, you will be charged higher rates than someone who has a less eventful driving history. You can qualify for better rates if you take a defensive driving course (ask your insurance company which ones it recognizes before you sign up). Passing the course will help you correct any bad driving habits you may have picked up since you got your license, and will help to make you a safer driver.
Shopping around will also help you find the cheapest car insurance in VA. Each company licensed to sell coverage in the state sets its own rates for customers. As a result, pricing can and does vary between providers.
Many companies offer free quotes to prospective customers, and you can get prices from different ones by visiting individual car insurance company web sites and filling out an online form. The insurer may ask a few questions about your driving history and your car to give you accurate information. You also have the option of visiting a single web site that can generate quotes from several companies at once.