Who Has Cheap Auto Insurance for Handicapped Drivers in Virginia?

When writing about shopping for auto insurance, the word “cheap” shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Sad but true, cheap auto insurance for handicapped drivers is not always easy to find. Don’t let that discourage you, because we can show you some ways you can still get auto insurance that is more affordable.

Finding decent, low-cost insurance is not the easiest thing to do, and finding out which companies have the cheapest car insurance rates for handicapped drivers involves a little more work. Each auto insurer has their own guidelines for establishing rates, so let’s take a look at the car insurance companies with the overall best prices in Virginia.

It’s a good idea to know that Virginia car insurance rates are calculated based on many things that control the price of your policy. Improving your credit rating, buying a home, or getting a reckless driving citation can trigger rate changes that can now make some companies cheaper than before.

Best Insurance Companies in Virginia

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Travelers may offer some of the best car insurance rates in Virginia at around $673 each year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners would also be considered some of the lowest-priced Virginia car insurance companies.

In the above rates, if you buy coverage from Auto-Owners and switched to USAA, you might achieve a yearly savings of around $42. Drivers with Utica National may save as much as $49 a year, and The Hartford customers might see rate reductions of $93 a year.

Bear in mind that those estimates are averages for all drivers and vehicles in Virginia and and are not figured with a rate decrease for handicapped drivers. So the auto insurance company that fits you best may not even be shown in the chart above. That point stresses why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The car, truck, or SUV that is being insured is a large consideration in finding cheap car insurance for handicapped drivers in Virginia. Vehicles with lower acceleration and performance, a plethora of safety features, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The next table showcases car insurance prices for a selection of the more afforable vehicles to buy insurance for.

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in specific zip code location which can lower or raise coverage rates noticeably.

Based upon the rates shown, we can conclude that vehicles like the Honda CR-V, Chevrolet Traverse, Jeep Wrangler, and Dodge Grand Caravan are a few of the cheaper vehicles to insure for drivers with handicaps.

Drive responsibly or pay higher rates

The easiest way to receive the most affordable car insurance premiums for drivers with handicaps is to be an attentive driver and avoid traffic citations and accidents. The example below shows how violations and at-fault collisions increase car insurance rates for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

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In the example above, the average cost of auto insurance per year with a clean driving record and no accidents is $1,269. Add in one speeding ticket and the average cost jumps to $1,437, an increase of $168 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for handicapped drivers goes up to an average of $2,902. That’s an increase of $1,633, or $136 per month, just for not maintaining a clean driving record!

Geico, State Farm, Allstate, or Progressive: Which is best?

If you’re looking for the cheapest auto insurance for drivers with handicaps in Virginia, four companies to consider are Geico, State Farm, Allstate, and Progressive. When added together, they make up almost half of the entire U.S. auto insurance market. The following table illustrates price, claims, and customer service ratings, as well as some optional coverages you can expect with each one.

How to find economical auto insurance for handicapped drivers

It is possible to find better rates, and here are a few thrifty suggestions that can help Virginia drivers get low-cost car insurance.

• The safer your car, the less it costs to insure
• Avoid getting tickets or violations
• Maintain a safe distance and avoid accidents
• Full coverage may not be needed on older vehicles
• Raise deductibles
• Improve your credit rating
• Keep rates low by shopping around frequently

That final tip is notably crucial, as was stressed in the article above. Car insurance prices can be modified anytime, so don’t be afraid to change to a new company if you can save money. We understand brand loyalty, but it’s not recommended if that stubbornness costs you a small fortune year after year. In just a few minutes you could shop around and find cheaper auto insurance for handicapped drivers.