Car insurance is a necessary evil, and sometimes it is quite difficult to understand. If you are in a hurry, you can simply submit your zip code for a few quick quotes. If you are trying to understand the main points, here are a few tips on how to understand how to get cheap full coverage auto insurance in VA.
TIPS FOR A GOOD QUOTE
1) Have all of your personal information available when speaking to an agent.
- Names of all drivers
- Date of birth for all drivers
- Driver’s license numbers for all drivers
- Social security numbers for all drivers
- Names, addresses, and phone numbers for all drivers
2) Have all previous insurance documents handy.
- Auto insurance declaration papers
- Insurance identification cards of current carrier
3) Have Vehicle Identification Numbers (VINs) for each car needing a quote (this will help the insurance carrier give you an accurate quote on your coverage).
4) Know your budget.
- For the best rate, look for all available discounts that you qualify for.
- Consider increasing your deductibles to lower your rates.
- Don’t carry full coverage on older cars unless necessary.
- Ask for payment options that don’t carry service charges.
WAYS TO GET CHEAP FULL COVERAGE AUTO INSURANCE IN VA
- Know the differences between liability, comprehensive and collision. Liability only covers the people that you hit in an accident and when you are held liable by getting a ticket. Comprehensive is for collision to your car for things that you can’t control, such as hitting a deer, a rock hitting your windshield, and hail damage. Collision is coverage for physical damage for your car in an accident.
- FULL COVERAGE = LIABILITY + COMPREHENSION AND COLLISION
- People driving older cars should only carry liability because it is cheaper.
- When adding a teen driver, carry them on the oldest car you have.