How Much are Car Insurance Quotes for 19 Year Olds in Virginia?

I’m sure you’ve seen the catchy advertisements from insurers like Allstate and The General that claim enormous savings. So drivers should just select the one with the best jingle, right?

That is not the case, however, as there are a whole bunch of unknown factors such as if you have points on your license, if you have ever had a gap in coverage, and the amount of coverage you want. We will touch on the different ways you can keep rates low and hopefully give you enough understanding to have a good start in finding the cheapest car insurance.

Deciphering which companies offer the cheapest car insurance rates for 19 year olds will require a little more effort in order to find the best policy.

Each insurance company uses their own method for setting prices, so let’s take a look at the most budget-friendly car insurance companies in Virginia.

Best Car Insurance Prices for Teens

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Travelers generally has some of the most affordable car insurance rates in Virginia at around $659 a year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners are also some of the cheapest Virginia car insurance companies.

In this example, if you currently have coverage with Cincinnati Insurance and switched to Travelers, you might see annual savings of in the vicinity of $96. Insureds with Auto-Owners might save as much as $106 a year, and Erie policyholders might see rate reductions of $121 a year.

To compare your rates to other Virginia insurance companies, click here or click several companies below for low rates.

These prices are averages for all types of insureds and vehicles and do not take into consideration a rate increase for 19 year olds. So the auto insurance company that is most affordable for your situation may not even be in the list of companies above. That underscores the importance of why you need to get rate quotes using your own driver information and specific vehicle type.

For Virginia drivers, one of the components used to calculate auto insurance rates is where you call home in Virginia. More densely populated places like Burke, Lake Ridge, and McLean will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.

The illustration below rates the highest-priced places in Virginia for 19 year olds to purchase car insurance in.

Table data uses comparative as the specific geographic location can influence coverage rates noticeably.

The vehicle model to be insured is one of the largest considerations that determines whether or not you can buy cheap insurance for 19 year olds in Virginia. Vehicles with average performance, an excellent safety record, or a low likelihood of liability claims will cost quite a bit less to insure than adrenaline junky models. The lists below shows car insurance prices for a selection of the most affordable automobiles to buy insurance for.

Table data represents single female driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in zip code location which can affect premium rates substantially.

Data rating is based on single female driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific Virginia garaging location which can affect prices considerably.

Above prices assume single female driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease auto insurance rates considerably.

Discounts on cheap insurance for 19 year olds in Virginia

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-19-year-olds-va.jpg" alt="Cheaper Virginia car insurance for teenage drivers”/>Car insurance companies that provide policies for 19 year olds may also provide price discounts that could potentially reduce rates by as much as 25% or more if you are eligible to receive them. A list of car insurance companies and a summarized list of policyholder discounts include:

• Progressive has savings for multi-vehicle, multi-policy, homeowner, continuous coverage, online quote discount, good student, and online signing.
• SAFECO policyholders can earn discounts including safe driver, anti-lock brakes, anti-theft, homeowner, accident prevention training, multi-car, and drive less.
• American Family may have discounts that include early bird, mySafetyValet, multi-vehicle, TimeAway discount, accident-free, and Steer into Savings.
• MetLife offers discounts including multi-policy, accident-free, defensive driver, good student, and good driver.
• GEICO offers premium reductions for daytime running lights, air bags, driver training, anti-theft, and multi-policy.
• The Hartford includes discounts for anti-theft, good student, bundle, driver training, air bag, defensive driver, and vehicle fuel type.

The diagram below illustrates the difference between insurance premiums with and without discounts being applied to the rates. Data assumes a male driver, no claims or driving citations, Virginia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, accident-free, claim-free, safe-driver, vehicle safety, and multiple policy discounts applied. When drivers take advantage of discounts, the the average yearly reduction on car insurance for 19 year olds is 28% or $362.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 19’, 2335,1671],[‘Age 30’, 973,709],[‘Age 40’, 949,689],[‘Age 50’, 869,631],[‘Age 60’, 841,611]]);var options = {title: ‘Effect of Discounts on Insurance Rates for 19 Year Olds’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

State Farm, Progressive, Geico, and Allstate: Who is cheapest?

If you want the best auto insurance for teenage drivers in Virginia, four of the larger companies to compare rates for are State Farm, Progressive, Geico, and Allstate. The table below rates pricing and service ratings, as well as optional policy coverages you can buy with each company.

Tips for buying low-cost auto insurance for 19 year olds

The list below details some money-saving ideas that can help Virginia drivers buy lower-cost car insurance.

• Save money by bundling your home and auto policies
• Frequent claims may make car insurance unaffordable
• Safer vehicles generally have cheaper insurance rates
• Serious violations like DUI or careless driving can make car insurance unaffordable
• At-fault accidents can raise rates significantly
• Drop full coverage on older vehicles
• Compare quotes from other companies often

The final tip is especially valuable, as was discussed in the prior article. Car insurance prices in Virginia can change considerably based on profitability, so don’t be tentative to buy from a different company if a lower-cost policy is available. Many drivers tend to have loyalty to a certain company, but we do not recommend it if it’s costing you a wad of cash every year. In less than five minutes you could shop around to find cheaper car insurance for 19 year olds.

Who has the cheapest insurance quotes for teenage drivers?

Thanks to technology, there are a lot of ways to quote cheap car insurance rates in Virginia, but the three most common methods are using an independent agent, an exclusive insurance agency like Allstate or Liberty Mutual, or direct from companies such as Progressive or Geico. Each way has the same basic steps, but it’s good to know the differences in how they function.

Independent agents write for multiple companies and can get policy pricing from each one. Agents of this type possess the freedom to compare multiple rates, which may give you a better chance of saving money. If prices rise, it’s easy for the agent to move the policy and you don’t have to switch agencies.

An agent who is captive is able to quote prices with a single company like an Auto-Owners or Allstate agent. They are unable to provide other companys’ prices, so always compare other rates.

The third popular method of shopping for car insurance is direct, which means you forego an exlusive or independent agent and instead shop buying direct from a company like Geico or Progressive. Shopping direct can be good for consumers who do not need risk management and have an above average understanding of what car insurance covers.

Which method is best to find cheap insurance for 19 year olds in Virginia? We’d like to tell you buying direct results in the cheapest rates since that prevents the need to pay agent commissions, but that generally is not the case. It would also be easy to say buying from an independent agent can save the most money due to having more companies to select from, but that idea is not necessarily true either. For the right applicant, exclusive agents may have very competitive prices that are well below what direct and independents offer.

Because it’s impossible to say who has the best car insurance rates, the best way to get the lowest rate is to do a thorough rate comparison. We recommend you get prices from all three in order to find the best price. For a list of companies with cheap rates in Virginia, click here to view.