Car insurance in Richmond, VA

Here are some tips on how to lower the price of your car insurance in Virginia:

• Maintain a good driving record. Your driving record generally factors into the price of your car insurance. If you have a clean driving record, you’ll likely get a lower rate than someone who has been in accidents or received traffic tickets.
• Increase your deductible. This is the amount of money you have to pay out of pocket before your insurance company will cover a claim. Increasing your deductible can help save you money on your premiums, but it’s important to make sure you can afford to pay the deductible if you need to make a claim.
• Bundle your insurance policies. If you have other insurance policies with the same company, such as homeowners insurance or renters insurance, you may be able to get a discount on your car insurance.
• Get a multi-car discount. If you insure more than one vehicle on one policy with Elephant, you’ll get a multi-car discount.
• Pay your premiums in full. If you pay your full insurance premiums in one or two payments, you could qualify for Elephant’s pay-in-full discount.
• Get a safe driver discount. Safe driving adds up to extra savings with our claims free discount. This discount is automatically applied when all drivers on the policy have avoided causing an accident for at least five years.

If you’re an Elephant policyholder, it’s best to promptly add your new car to your policy through your online account, the Elephant mobile app, or by calling to speak to a representative. While your Elephant policy can offer temporary protection, some add-on coverages may not automatically extend to your new vehicle. You will need to adjust your coverage to get the protection you want for your new car. For uninterrupted coverage, check your policy for rules around adding a new vehicle to your policy.

All drivers are required to have car insurance in Virginia. Find competitive rates for car insurance in Richmond, VA from Elephant Insurance. Start your auto insurance quote anytime.

In addition to the insurance requirements in Virginia, consider adding the following coverages for expanded financial protection.

• Collision coverage: This type of coverage helps pay for the damage to your own car if you are in an accident. It’s not required by law in Virginia, but it’s often required by lenders if you finance the purchase of a new car.
• Comprehensive coverage: This type of coverage helps pay for the damage to your own car if it’s stolen or damaged by something other than a collision, such as fire, theft, vandalism, or hail. It’s not required by law in Virginia, but it can be a good idea to have, especially if you live in an area where these types of events are common.
• Rental reimbursement coverage: This type of coverage can help pay for the cost of a rental car if your car is in the shop for repairs after an accident. It’s not required by law in Virginia, but it can be a good idea to have, especially if you need your car for work or other essential activities.
• Loan/lease payoff coverage: This type of insurance can help pay towards a remaining balance owed on a car loan or a lease after a vehicle is declared a total loss. It’s not required by law in Virginia, but it can be a good idea to have if you have a large car loan or if your car is close to being paid off.
• Roadside assistance: This coverage can provide you with roadside assistance services, such as towing, jump starts, and lockouts. It’s not required by law in Virginia, but it can be a good idea to have to help get you back on the road sooner.