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Virginia Car Insurance Discounts

There are many common car insurance discounts available in Virginia. While each insurance company mostly handles its own discount policies, there are some discounts that are common and worth asking your insurance agent about if he does not offer them to you. Getting educated about what's available is a great first step, because it will help you know which questions to ask when you're speaking directly with your insurance company or their representatives.

Car Insurance Discounts Based on the Driver

Many car insurance discounts are based on who the driver is and different aspects of how they drive. While not all of the discounted characteristics will describe every driver, almost everyone can find something that could make them eligible for lower car insurance rates.

Having and maintaining a good driving record is one of the chief characteristics of a driver that can earn an automobile insurance discount. Most car insurance companies offer standard rates if a driver has a clean record, but will add or subtract to those rates based on the number of accidents or moving violations the driver acquires and/or how long he keeps his record clean.

If you do not have a clean driving record, ask your car insurance company how long you have to stay out of trouble on the road to achieve the safe record you want. Most insurance companies will remove accidents or moving violations from your driving history after a certain amount of time, provided you don't acquire any more.

Once you've reached the point where your record is clear, continuing to maintain a clean record will earn you even more discounts. Some companies even have a tiered discount policy for safe drivers, so you achieve a certain discounted rate after several years of safe driving and an even higher discount the longer you keep your record free from trouble.

In addition, many Virginia car insurance companies will offer discounts to drivers who take state-approved driver training courses. While some insurance companies will offer this sort of discount to any driver who takes one of these courses, all insurance companies are required by VA state law to offer some sort of discount to anyone aged 55 and over who takes one of these classes. These classes help older adults become aware of some of the hazards that can come from driving as an older person and how to overcome them.

Most Virginia vehicle insurance companies will also offer a discount to new drivers, especially teenagers, who take some sort of driver training course before they get their driver's license. These courses help to ensure that new drivers at least know the dangers of driving carelessly and recklessly and what safe driving entails.

Good students are usually eligible for a discount of their own, at least while they are in high school. While the individual insurance company determines the grade point average they will require a student to carry to be eligible for this car insurance discount, almost all automobile insurance companies offer it.

If you or someone in your family belongs to any groups or associations, check to see if you can get a car insurance premium discount by working through that group. When you consider these discounts, think of any professional organizations, hobbyist associations, or alumni groups you may belong to, as these will sometimes negotiate reduced rates for their members with particular car insurance companies.

You may also be eligible for a discount on your Virginia car insurance if you belong or have belonged to a particular profession. Some car insurance companies offer discounts to members of the armed forces, police officers, fire fighters, emergency medical technicians, or teachers. Usually, the insurance company sees this sort of discount as a reward for doing work that is difficult, dangerous, or gives back to the community in some way.

Holding multiple policies with the same insurance company can also net you a significant discount on each policy. Many companies offer not only car insurance, but also life insurance, health insurance, homeowner's insurance, or renter's insurance. If you need more than one of these policies, see if you can get a discount for purchasing them all with the same company.

Along similar lines, some Virginia car insurance companies will offer you a discount if you put multiples cars and drivers from your family on the same policy. While this might not always be a good choice, particularly if one driver has a poor driving record, it's worth checking with your insurance company about.

Finally, you may get an automobile insurance discount in VA if you are a long-term policyholder with the same company. Because it's in the insurance company's best interest to keep you as a customer for as long as possible, many insurance companies will offer a discount if you are someone who keeps returning your business to them. Keep in mind, though, that you may not save as much as you would by moving to another company. You'll need to check both out and see which is the better deal.

Car Insurance Discounts Based on the Vehicle

You can also be eligible for discounts based on the age and condition of your vehicle. Sometimes, it can even be worthwhile to purchase a different vehicle or make some improvements to yours in order to get the car insurance discounts those things would make you eligible for.

You may be able to get a discount on your car insurance premium if your vehicle is considered low profile. This means that it is not brand new or particularly expensive, and is not one of the more commonly stolen vehicles in your area. The exact specifications for this sort of discount will vary from company to company, so contact yours if you think you might be eligible.

Additionally, some insurance companies will offer you a discount if your vehicle has certain anti-theft features, like a car alarm or a LoJack system. These make it less likely to be successfully stolen, and so can earn you discounted insurance rates.

Other companies will offer you a discount on your automobile insurance rates if your vehicle has safety features, like anti-lock brakes or multiple airbags. The specific features eligible for a discount are up to the individual insurance company, so check with yours to see what is discounted and how much it would save you.

Track Your Discounts

Once you're familiar with Virginia car insurance discounts, determine which ones should pertain to you. You will probably want to contact your insurance company as you're doing this, to see which discounts they offer and which ones are already applied to your policy.

If you find any discounts that you should be eligible for but have not been applied, make sure that your insurance company adds them. Then, check the next statement you receive from them to make sure you're paying less than you were before. With so many policies, it can be easy for your discounts to be forgotten unless you take the time to keep track of them yourself. If you do, you can be sure that you're saving as much money as you can on your Virginia car insurance.


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