Free Car Insurance Quotes Online
Compare Car Insurance Quotes in Lynchburg, Va
Shopping for car insurance to get the cheapest car insurance rate can be time consuming. However, with our online car insurance rater you can get a free car insurance quote In less than 15 minutes through up to 6 of the top insurance companies in the state of Virginia. Regardless of whether you have a teen driver, you have a not so stellar driving record or your credit score may have a few blemishes on it, our car insurance comparison tool will provide you with a wide range of insurance options to help you save money.
Once you get your online car insurance quotes, simply call our insurance agency and tell us which of the car insurance companies you want to go with and we can pull your quote up in our system to review it for additional car insurance discounts to save you even more money. Since the quote you receive online is automatically stored in our system, you won’t have to worry about giving us the same personal information that you’ve already entered in twice.
The Independent Agent Advantage
Unlike captive insurance agencies like State Farm or Farmers agencies who can only write through one car insurance company, we are an independent agency which means that we can write through many different car insurance companies to make sure that you are always getting the best and cheapest auto insurance rates.
If you are with a captive insurance agency and their auto insurance company increases their car insurance rates, they have no other insurance companies to compare quotes for you. We on the other hand have many auto insurance companies like Nationwide Insurance, Travelers, Grange Insurance, Progressive and more.
The Local Insurance Agent Advantage
Saving money is a priority, but you don’t want to do it at the expense of your car insurance coverage or the customer service you receive. When you call in, we will also review all of the coverage options with you to make sure that your car insurance policy is tailored to fit your needs.
Additionally, we aren’t one of those insurance agencies that you will only hear from when your car insurance premiums are due. Every car insurance renewal, you will get a letter from us notifying you that it is time for your car insurance coverage options checkup. As your life evolves, so do your car insurance needs. We encourage our policyholders to do a coverage review with us over the phone or in person at your convenience each renewal.
Our insurance agency embraces technology. Regardless of which insurance company we place you with, you will have the ability to view your vehicle information, car insurance coverage as well as have your vehicle ID card on your phone through our Cothran CSR24 mobile app. You can even submit changes to our agency.
What Is Full Coverage
Full Coverage typically means that you are carrying Comprehensive and Collision on your vehicle to pay for damage sustained to your vehicle. Comprehensive coverage pays to repair your vehicle as a result of damage from anything other than a collision such as flood, contact with a live animal, fire, theft, windshield breakage etc. Collision coverage pays to repair your vehicle as a result of collision, upset or overturn of a vehicle. If you still owe money on your vehicle then the lienholder will most likely require that you carry full coverage on your vehicle.
Discounts and Ways To Save On Car Insurance
Multi Policy Discount – get a discount by bundling your homeowners insurance, renters insurance or condo insurance with the same car insurance company
EFT or Automatic Payments Discount – save money each month by having your premiums automatically drafted from your checking account
Paperless Discount – receive up a discount for receiving all of your car insurance documents via email
Pay As You Drive – pay insurance for only the miles you drive
Telematics Discount – receive a discount for your good driving habits
Car Insurance Coverages Required In Virginia
The state minimum liability limits that the state of Virginia requires is $25,000 per person up to $50,000 per accident for Bodily Injury Liability and $20,000 for Property Damage Liability.
Bodily Injury Liability pays for the medical expenses and lost wages for anyone you hit with your vehicle as well as any legal fee associated with the bodily injury claim. Due to the rising cost of medical expenses, we strongly suggest carrying no less than $50,000 per person and $100,000 per accident for Bodily Injury Liability.
Property Damage Liability pays to repair damages to property that you hit with your vehicle. That could be another car, a house, a mailbox etc. It’s not uncommon to see vehicles on the road these days worth more than $20,000 so once again we encourage all of our customers to carry no less than $50,000 Property Damage Liability.
Uninsured/Underinsured Motorist Coverage protects you in case someone hits you and they either don’t have insurance or they don’t have enough insurance to pay for your damages. Your Uninsured/Underinsured Bodily Injury Coverage and Uninsured/Underinsured Property Damage Coverage limits typically match your liability limits. Uninsured Property Damage is also where you would file hit and run claims subject to a $200 deductible.
- Medical Expense
- Income Loss
- Transportation Expense
- Roadside Assistance (Towing and Labor)
- Optional Car Insurance Features
- Accident Forgiveness
- Minor Violation Forgiveness
- Vanishing Deductible
- Total Loss Deductible Waiver
- New Car Replacement
- Auto Loan/Lease GAP Insurance
- Original Equipment Manufacturer (OEM)
- Extended Non-Owned
- Audio Media
Other Types of Insurance We Offer
- Homeowners Insurance
- Renters Insurance
- Condo Insurance
- Mobile Home Insurance
- Life Insurance