Who Has Cheap Car Insurance Quotes for Drivers Over Age 60 in Virginia?

When buying car insurance for older drivers, one of the key factors that play a part in determining a rate quote is where you normally keep your vehicle in Virginia. Areas with increased crime or more people like Burke, Alexandria, and McLean tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the gratification of cheap car insurance for drivers over age 60 in Virginia.

The information below sorts the most expensive areas in Virginia for drivers over age 60 in which to purchase auto insurance.

Premium amounts are approximated as the specific zip code location can lower or raise prices greatly.

Deciding which companies have the cheapest insurance rates for drivers over age 60 takes more work in order to find a policy that fits your budget. Each company has a proprietary formula to set policy rates, so let’s look at the rankings for the insurance companies with the overall best prices in Virginia.

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Travelers normally has some of the cheapest car insurance rates in Virginia at around $679 a year. USAA, Penn National, Cincinnati Insurance, and Utica National would also make the list of some of the lowest-priced Virginia insurance companies.

As the example above demonstrates, if you are currently insured with Cincinnati Insurance and switched to Travelers, you could see a yearly price reduction of roughly $76. Insureds with Utica National might save as much as $79 a year, and Auto-Owners insureds might lower prices by $86 a year.

To find cheap car insurance for drivers over age 60 in Virginia for your vehicle, click here to start your custom quote or feel free to get quotes from the companies below.

Bear in mind that those rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a rate discount for drivers over age 60. So the insurer that has the cheapest rates for you may not even be in the rate chart shown above. That helps illustrate why you need to get rate quotes using your own driver and vehicle profiles.

The type of vehicle that is being insured is probably the biggest factor when consumers are trying to find cheap car insurance for drivers over age 60 in Virginia. Vehicles with lots of horsepower, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than more economical and safe models. The next lists features coverage premiums for a handful of the cheapest automobiles to insure.

Above prices assume single female driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in vehicle garaging location which can alter coverage rates substantially.

Above prices assume single female driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can decrease or increase price quotes substantially.

Premium data assumes single female driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in specific zip code location which can influence premium rates substantially.

The example below shows how different deductible levels can affect insurance costs when getting quotes for cheap insurance for drivers over age 60. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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In the chart above, a 40-year-old driver could pocket $212 a year by increasing from a $100 deductible up to a $500 deductible, or save $320 by using a $1,000 deductible. Younger drivers, like the age 20 example, could potentially save as much as $694 annually just by choosing larger deductibles. If you make the decision to raise deductibles, it is important to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

How to get cheap car insurance for drivers over age 60 in Virginia

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

• Drop full coverage on older vehicles
• Drivers with good credit often pay less
• Avoid preventable accidents
• Bundle home or renters insurance to earn a discount on car insurance
• Choose a safer vehicle and pay lower rates
• Compare rates regularly and switch companies to save money

That final tip is notably critical, as we stressed in the article above. Prices charged by auto insurers fluctuate constantly, so don’t be hesitant to switch to a new company if a lower price can be found. We understand brand loyalty, but it’s not a great idea if that loyalty ends up costing a wad of cash every year. In just a few minutes you could shop around and find cheaper auto insurance for drivers over age 60.