Who Has Cheap Car Insurance Quotes for Teachers in Virginia?

The safety and performance level of the vehicle driven is one of the largest considerations when looking for cheaper auto insurance for teachers. Vehicles with high performance features, poor safety ratings, or a high likelihood of having liability claims will cost substantially more to insure than safer models. The next lists illustrates auto insurance costs for a handful of the most budget-friendly vehicles to buy coverage for.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle location which can decrease or increase premiums considerably.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify auto insurance rates greatly.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in your specific Virginia location which can decrease or increase premiums considerably.

One of the key factors that auto insurance companies use when figuring the annual cost of car insurance is where your residence is in Virginia. Cities with larger populations like Burke, Alexandria, and Richmond will most likely pay more, whereas areas with less congestion generally pay less for auto insurance.

The illustration below sorts the higher priced cities in Virginia for teachers to buy an auto insurance policy in.

Rates are estimated as the garaging address in Virginia can increase or decrease premiums noticeably.

Trying to buy low-priced car insurance is confusing at best, and finding out which company offers the cheapest auto insurance rates for teachers calls for a bit more work. Rates will probably be slightly cheaper than the state average because of the lower likelihood of claims that goes along with selling coverage for teachers and educators. Affordable coverage should be obtainable without looking to hard.

Each auto insurance company uses their own method for filing rates in each state, so let’s rank the most competitive auto insurance companies in Virginia.

Best Cheap Insurance Rates for Educators

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Travelers offers some of the most affordable car insurance rates in Virginia at around $679 each year. USAA, Cincinnati Insurance, Penn National, and Auto-Owners would also be considered some of the most economical Virginia insurance companies.

In the above example, if you currently buy coverage from Penn National and switched to Travelers, you might realize annual savings of around $61. Drivers with Auto-Owners might save as much as $86 a year, and Erie customers might reduce prices by as much as $101 a year.

To find cheap auto insurance for teachers in Virginia for your vehicle, click here to get a free quote or click several companies below for low rates.

Bear in mind that those policy prices are averages for all types of insureds and vehicles and and are not calculated with a price discount for teachers. So the insurer that fits you best may not even be in the above rate chart. That points out the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.

The illustration below shows how choosing a deductible can influence annual premium costs when trying to find cheap insurance for teachers. The rate quotes are based on a married male driver, comp and collision included, and no additional discounts are factored in.

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A 30-year-old driver could lower rates by $200 a year by switching from a $100 deductible up to a $500 deductible, or save $300 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, could roll back prices up to $598 each year by choosing a higher deductible.

If you do decide to increase your deductibles, it’s a good idea to have spare funds to be able to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Best rates: Allstate, Progressive, State Farm, or Geico

When researching car insurance, four of the best places to start are Allstate, Progressive, State Farm, and Geico. All of them offer liability and physical damage protection, but each on has unique features and discounts that policyholders can choose from. The table below shows price, claims, and customer service ratings, as well as some optional coverages offered by each company.

Best cheap insurance quotes for teachers and educators

Thanks to technology, drivers have a lot of ways to buy auto insurance in Virginia, but the most common are through an exclusive insurance agent such as State Farm or Allstate, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico. Each way has the same basic steps, but they differ slightly in how they work.

Independent agencies work with multiple companies and can do rate comparisons with every one. Agents of this type are not restricted to one company and can give you more rate choices, which may provide you with more bang for your buck. If they quote lower rates, your agent can just switch to a different company and you stay with the same agent.

An exclusive agent is only able to quote rates with one company, examples being State Farm and Auto-Owners agents. These guys and gals cannot provide multiple price quotes, so they have no alternatives for high prices.

If you buy direct, you bypass a local agent and instead buy buying direct from a company like Geico or Progressive. Shopping for auto insurance direct may be good for families who have an average risk profile and have an above average understanding of what coverage options they need.

Which method works best for finding cheap auto insurance for teachers in Virginia? We’d like to say buying from a direct company results in the cheapest price because you bypass the middleman, but that generally is not the case. A good argument could also be made that an independent agency can save the most money because they can quote many companies, but again, that’s not accurate. In some circumstances, the exclusive agents have coverage prices that are well below what direct and independents offer.

Since auto insurance prices are based on many different factors, the only true way to ensure the lowest rates is to compare lots of quotes. We recommend you get price quotes from all three to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.