Lynchburg, VA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Lynchburg, VA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Save Up To $475 on Multi-Car Insurance in Lynchburg, VA
The average cost of auto insurance in Lynchburg, VA, is $914. Car owners in Lynchburg can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Lynchburg.
Car insurers across Virginia offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Lynchburg.
Discounts for Students:
Teenagers in Lynchburg pay $2,966 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.
Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Lynchburg is $1,590, while the cost of insuring four vehicles under this policy is $3,181. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.
Factors that can influence the cost of car insurance in Lynchburg, VA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Lynchburg, VA Auto Insurance Rates
- Lynchburg, VA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lynchburg, VA
- Multi Vehicle Insurance Savings in Lynchburg, VA
- How Credit Score Affects Car Insurance Rates in Lynchburg, VA
- How DUI Affects Auto Insurance Premiums in Lynchburg, VA
- How Driving Violations Affect Auto Insurance Rates in Lynchburg, VA
- Lynchburg, VA Auto Insurance Discounts on Anti Theft Feature
- Lynchburg, VA Auto Insurance Company Reviews
Lynchburg, VA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Lynchburg, VA with that of other cities in and around Lynchburg.
|Average Insurance Rates||$914||$1,418||$907||$917||$906||$910|
Lynchburg, VA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Lynchburg, VA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Lynchburg, VA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Lynchburg, VA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Lynchburg, VA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Lynchburg, VA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$238
Savings on 3 Vehicles bundle:$356
Savings on 4 Vehicles bundle:$475
Lynchburg, VA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lynchburg, VA.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Lynchburg, VA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Lynchburg, VA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$40||$954|
|Driver's Failure In Showing Documents||+$89||$1,003|
|Driving With An Expired Registration||+$94||$1,008|
|Driving At A Considerably Slow Pace||+$198||$1,112|
|Using A Cellphone While Driving||+$209||$1,123|
|Running A Red Light||+$213||$1,127|
|Driving A Vehicle Without The Required Permission||+$284||$1,198|
|Driving With An Expired/Suspended License||+$616||$1,530|
Lynchburg, VA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$877|
|Passive Disabling Device||$850|
Latest Auto Insurance Reviews in Lynchburg, VA | Back to Top
I would absolutely recommend getting USAA, if you qualify for it. They really take care of their customers and offer a great value for the money.
Their offerings are basically the same as every other car insurance company's offerings. I generally get the bare minimum I can get away with plus uninsured motorist coverage, and they offer that so I am happy.
They were responsive when I was searching for our policy and getting it setup. Everything was efficient and quick without much hassle.
This company is fair and transparent. They are very organized, the policy information is easy to find and they contact me regularly with hints and advice on my insurance and driving in general.
They have pretty decent customer service. They wouldn't be a company if it wasn't decent. I would put them at about a 3. I like sausage.
Pretty even as far as offerings and coverage. We have not had a claim with Nationwide but we can change coverage online.