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Comprehensive protects you from car theft, natural disasters, and other non-accident-related damages. And unless you’re still driving around in your dad’s hand-me-down, 20-year-old junker, collision gives you the security of knowing you’ll be able to afford the repairs if you get caught in a T-bone.
Virginia Minimum Liability
The state of Virginia mandates that your insurance policy meet these minimum amounts:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $20,000 property damage coverage per accident
You are required to have the same amount uninsured/underinsured motorist coverage, to help pay for injuries or damage if you are in an accident with an uninsured or underinsured driver, or if you’re involved in a “hit and run” accident. Usually these coverages are written as: 25/50/20, and that’s how we’ll refer to them for the rest of this review.
Of course, you can (and probably should) consider higher levels of coverage than the minimum, since medical bills and other expenses after an accident can add up frighteningly quickly, but if your finances are tight, these are as low as you can go and still be considered legally insured.
Choosing the best policy is about more than just the amount of your premium. We like to think of it as the three C’s: cost, coverage, and claims.
If you’ve got a fantastic policy with a really affordable premium, but you get hassled when you go to make a claim, that’s not a great policy. Likewise, if a company has awesome customer service, but charges you three times as much as the next company — it might not be worth it.
A great policy will balance out all three of those C’s, offering you a solid policy with adequate coverage at a reasonable price and with the reputation for paying claims promptly. How do you find that magical policy? We’d suggest you begin by reading our reviews of the best car insurance companies in Virginia, and then take your new knowledge for a test drive with our quote tool, below.
How We Found the Best Auto Insurance in Virginia
To find the best auto insurance in Virginia, we followed the methodology we used in our nationwide review of the best auto insurance: We looked at what consumer agencies like J.D. Power and Consumer Reports had to say about the companies, as well as financial analysis groups A.M. Best, S&P Global, and Moody’s, who gave each of our companies a rating based on their financial stability.
Then we explored each company’s website. We gave credit for easy-to-use quote tools and for the quality of educational information on the site. Insurance is a complicated industry, and a good company will arm their customers with the knowledge to make educated decisions about their needs.
We went ahead and got an online quote for a fairly popular car: a 2015 Honda CR-V. It goes without saying that your quote, even if you happen to own a 2015 Honda CR-V, will be different based on your profile and that of any other drivers in your household, as well as the breadth of the coverage you choose. With each company, we paid attention to the number and variety of discounts available, and the level of customization you had with your policy.