Best Cheap Auto Insurance Quotes for Drivers with Accidents in Virginia

You have seen the captivating ads from insurers like GEICO and Allstate that make claims of the cheapest price, so you should just choose any of them, right?

Unfortunately, it’s just not that easy, as there are many unknown aspects such as if you are currently insured, where you live, and the amount of physical damage deductibles, that all factor into the price you pay. This article will detail some of these criteria and also should give you a good start in finding the cheapest car insurance.

One of the more important criteria that aid in calculating rate quotes is where you keep your vehicle in Virginia. Larger areas like Burke, Dale City, and Richmond will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The next table sorts the most costly cities in Virginia for drivers with accidents to purchase auto insurance in.

Prices are comparative as the specific area where the vehicle is garaged can raise or lower price quotes significantly.

The vehicle model you are buying coverage for is one of the largest considerations that determines the availablility of the cheapest car insurance for drivers with accidents. Vehicles with lower performance, a great safety record, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models.

The information below illustrates car insurance prices for a handful of the most economical automobiles to insure in Virginia.

Data based on single female driver age 30, no speeding tickets, two at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Prices do not factor in garaging location in Virginia which can revise prices significantly.

Looking at the data, we can assume that makes and models like the Honda CR-V, Ford Escape, Toyota Tacoma, Honda Odyssey, and Chevrolet Traverse will be some of the cheapest vehicles to insure for drivers with at-fault accidents. The price for car insurance will be higher anyway because of the fact that there is more liability exposure for drivers with accidents, but in general those specific models will have the best insurance prices available.

Choosing a high-quality auto insurance company can be a challenge considering how many choices there are in Virginia. The company rank data shown next may help you decide which car insurance providers to look at comparing rates with. These ratings only include the largest auto insurers in America, so companies that may only write in Virginia are not included in these rankings.

The information below shows how choosing a deductible can increase or decrease insurance prices when getting quotes for cheap insurance for drivers with accidents. The rates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

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A 30-year-old driver could reduce rates by $200 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $300 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old, could roll back prices as much as $598 every year just by choosing larger deductibles.

If you make the decision to raise deductibles, it’s a good idea to have spare funds to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

How to find the best cheap auto insurance for drivers with accidents in Virginia

It is possible to find better rates, and here are some of the better penny-pinching suggestions that can help Virginia drivers buy cheaper car insurance.

• Do not get traffic citations
• At-fault accidents can raise rates significantly
• On older vehicles, drop full coverage
• Safe vehicles cost less to insure
• Higher physical damage deductibles lower rates
• Good credit can mean cheaper rates
• Shop your coverage around for the best deal

The last idea is notably necessary, as we hit on in this article. Prices charged by auto insurers can be modified anytime, so don’t hesitate to buy from a different company if you can save money. Many consumers stick with the same company and that’s fine, but it’s not a good idea if it’s costing you money that could be going to better use. If you have a few minutes, now is a great time to compare prices and find cheaper auto insurance for drivers with accidents.