Good driver, drivers with a clean record and no history of claims save on insurance. People who purchase two or more insurance policies from the same company can take advantage of the multi-policy discount. Virginia drivers can get an 18% discount on multiple policies on their car insurance. People who combine their auto and home insurance policies often get the highest discounts from insurers.
State Farm offers low average car insurance premiums, lots of useful discounts, and a variety of coverage options. For drivers who choose to have car coverage, Virginia is increasing its liability insurance requirements for bodily injury and property damage. Virginia insurance companies offer a loyalty discount of up to 18% to their repeat customers after a certain period of time, and some companies may increase the discount the longer you remain an active customer. On average, drivers in these professions can get up to 28% off the cost of their car insurance in Virginia.
As seen in the table above, you can get a 22% discount on car insurance rates if you install safety devices in your vehicle. Virginia insurers typically offer discounts that fall into one of three categories: policy discounts, driver discounts, and vehicle discounts. The private passenger vehicle receiving the discount must also be insured with State Farm Mutual Automobile Insurance Company. If you haven't had accidents or fines for the past three years, you can get a discount for safe drivers on your car insurance rates in Virginia.
Most Virginia auto insurance companies offer discounts to those who take an approved driver education course or a defensive driving course and to those who demonstrate that they have a history of safe driving. If you're a Virginia car insurance policy holder, you're probably like drivers across the country who are always looking for ways to save money on premiums. Once your car (or the vehicle it replaced) has been with State Farm Mutual Automobile Insurance Company for at least three consecutive years with no accident reported during this period, you'll receive a discount. Just about anyone can get a discount on car insurance in Virginia because most insurance companies make it easy to qualify for a variety of savings.
For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 20% more than the average premium in Virginia. While actual savings will vary depending on the insurance company, the driver's profile and other factors, you may qualify for several discounts that will significantly reduce your car insurance premiums.