Car Insurance in Leesburg Virginia – 7 Discounts Drivers are Losing Out On

If you are a novice to online car insurance shopping, you can be overwhelmed by the vast number of online car insurance companies and websites competing for business in Leesburg.

Buying the cheapest car insurance coverage in Leesburg is not that difficult. If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Virginia drivers just need to understand the proper methods to compare price quotes online.

Free Quotes for Car Insurance in Leesburg, VA

All major car insurance companies quote prices for coverage directly from their websites. Getting quotes is pretty easy as you just enter your required coverages as requested by the quote form. Upon sending the form, the company’s rating system orders your credit score and driving record and returns a price quote.

Online price quotes makes comparing rates easy, but the time it takes to visit many different websites and type in the same information gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you are searching for lower prices.

Quote rates the easy way

The quickest way to locate the lowest prices uses one simple form that gets prices from a lot of companies. This type of form saves time, reduces the work, and makes online shopping much more enjoyable. After your information is entered, it gets priced and you can select any or none of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It only takes a few minutes and you will know how your current rates stack up.

To quickly compare rates now, click here to open in new window and enter your information. If you currently have coverage, we recommend you duplicate coverages and limits exactly as shown on your declarations page. This ensures you’re receiving comparison quotes using the same coverage and limits.

Save big with these seven discounts

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be asked for in order for you to get them. If you don’t get every credit you deserve, you are throwing money away.

  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Safety Course Discount – Taking a driver safety course can save you 5% or more if your company offers it.
  • Resident Student – Children who live away from home and don’t have a car may qualify for this discount.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings on your policy.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accident claims.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will help reduce the amount you have to pay.

Car insurance is unique, just like you

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions might point out if your situation might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Do I have coverage if my license is suspended?
  • How much liability do I need to cover my assets?
  • Are split liability limits better than a combined single limit?
  • Does my vehicle need full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages 101

Understanding the coverages of car insurance can help you determine appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance covers damage to your vehicle resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail, damaging your car on a curb, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Since many Virginia drivers only carry the minimum required liability limits (Virginia limits are 25/50/20), their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses such as hospital visits, surgery and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability coverages

Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like bail bonds, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford. Virginia state law requires minimum liability limits of 25,000/50,000/20,000 but it’s recommended drivers buy better liability coverage.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, hitting a deer, a broken windshield and damage from flooding. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Find out more about car insurance

More information can be read on the Virginia Bureau of Insurance website found here. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, view a list of available companies, and learn about specific coverages.