Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.

Liability coverage is legally required in Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Virginia, the minimum is listed as 25/50/20 and explained below:

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Virginia drivers without a recent at-fault accident can save 33% on their car insurance premiums, on average — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
We followed a similar methodology to our review of nationwide auto insurance providers, taking a deep dive into the offerings of the five largest insurance providers in Arkansas. We examined each insurer’s financial stability, using ratings from A.M. Best, to determine whether each insurer would have enough financial resources to pay off expensive claims. We also looked at customer service ratings from industry leaders J.D. Power and Consumer Reports, evaluating customers’ overall experience with each insurer and their satisfaction with the claims process. Though each provider has its own strengths and weaknesses, we recommend obtaining multiple quotes from different insurers before making your decision.
Over eighty years of insuring drivers has made us one of the most trusted names in the industry. We didn’t become the nation’s third largest insurer by simply offering cheap car insurance prices. We did it by offering 24/7 world-class customer support, and earning an A+ superior financial rating from A.M. Best when it comes to servicing claims. That’s why 4 out of 5 customers recommend Progressive.†† And that’s how we’ve earned the confidence of over 18 million drivers.

Southern Farm Bureau, a division of the Farm Bureau insurance company, earned a solid A+ financial stability rating from A.M. Best. However, that’s where the ratings end; the insurance company division was too small to be rated by J.D. Power or Consumer Reports. That being said, the broader Farm Bureau insurance company is rated Very Good in both claims process and claims payment speed on Consumer Reports, an indication that you’ll be in good hands with the company’s smaller divisions.
This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).
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