Car insurance in
Roanoke, VA
Coverage designed with Roanoke drivers in mind
Affordable, reliable car insurance in Roanoke, VA
Roanoke is a city in the Blue Ridge Mountains of southwestern Virginia. It’s the county seat of Roanoke County and the third-most populous city in the state. The city was founded in 1882, and it quickly grew as a major railroad hub. Today, Roanoke is a major center for tourism, business, and education. A number of colleges and universities are located in Roanoke, including Roanoke College and Hollins University. It’s also home to several museums, including the Taubman Museum of Art.
Every state has different requirements for car insurance. If you live in the city of Roanoke, make sure your car insurance meets Virginia’s insurance requirements and protects you from the unexpected. Visit our Virginia car insurance page for details on coverage requirements in the Commonwealth of Virginia.
Quote online or call an Elephant agent to find the best coverage for you in Roanoke.
Factors affecting car insurance rates
There are many factors that can affect car insurance premiums, including:
- Your age: Younger, inexperienced drivers are generally considered to be higher risk drivers and may pay more for insurance.
- Your driving record: Drivers with a clean driving record will typically pay less for car insurance than drivers with a history of accidents or traffic violations.
- Your car: The make, model, and year of your car can affect your car insurance premiums. Cars that are more expensive to repair or replace may have higher premiums.
- Your location: The cost of car insurance varies from state to state and even from city to city. Drivers in urban areas typically pay more for car insurance than drivers in rural areas.
- Your deductible: The higher your deductible, the lower your monthly premiums will be.
- The type of coverage you choose: The more coverage you choose, the higher your premiums will be. However, it’s important to have enough coverage to help protect yourself financially in the event of an accident.
How does your vehicle affect your car insurance
Auto insurance discounts
Virginia drivers may be eligible for many of the car insurance discounts Elephant offers, including:
FAQs about car insurance
How can I lower my car insurance rates?
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Here are some tips on how to lower the price of your car insurance:
- Maintain a good driving record. Your driving record factors into the price of your car insurance. If you have a clean driving record, you’ll likely get a lower rate than someone who has been in accidents or received traffic tickets.
- Increase your deductible. This is the amount of money you have to pay out of pocket before your insurance company will cover a claim. Increasing your deductible can save you money on your premiums, but it’s important to make sure you can afford to pay the deductible if you need to make a claim.
- Bundle your insurance policies. If you have other insurance policies with the same company, such as homeowners insurance or renters insurance, you may be able to get a discount on your car insurance.
- Get a multi-car discount. If you insure more than one vehicle on one policy with Elephant, you’ll get a multi-car discount.
- Pay your premiums in full. If you pay your full insurance premiums in one or two payments, you could qualify for Elephant’s pay-in-full discount.
- Get a claims free discount. Safe driving adds up to extra savings with our claims free discount. This discount is automatically applied when all drivers on the policy have avoided causing an accident for at least five years.
Can I transfer my car insurance policy to a new vehicle?
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If you’re an Elephant policy holder, it’s best to promptly add your new car to your policy through your online account, the Elephant mobile app, or by calling to speak to a representative. While your Elephant policy can offer temporary protection, some add-on coverages like roadside assistance may not automatically extend to your new vehicle. You will need to adjust your coverage to get the protection you want for your new car. For uninterrupted coverage, check your policy for rules around adding a new vehicle to your policy.
All drivers are required to have car insurance in Virginia. Find competitive rates for car insurance in Roanoke, VA from Elephant Insurance. Start your auto insurance quote anytime.
Are there any additional coverage options I should consider for car insurance in Virginia?
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In addition to the insurance requirements in Virginia, consider adding the following coverages for expanded financial protection.
- Collision coverage: This type of coverage helps pay for the damage to your own car if you are in an accident. It’s not required by law in Virginia, but it’s often required by lenders if you finance the purchase of a new car.
- Comprehensive coverage: This type of coverage helps pay for the damage to your own car if it’s stolen or damaged by something other than a collision, such as fire, theft, vandalism, or hail. It’s not required by law in Virginia, but it can be a good idea to have, especially if you live in an area where these types of events are common.
- Rental reimbursement coverage: This type of coverage can help pay for the cost of a rental car if your car is in the shop for repairs after an accident. It’s not required by law in Virginia, but it can be a good idea to have, especially if you need your car for work or other essential activities.
- Loan/lease payoff coverage: This type of insurance can help pay towards a remaining balance owed on a car loan or a lease after a vehicle is declared total loss. It’s not required by law in Virginia, but it can be a good idea to have if you have a large car loan or if your car is close to being paid off.
- Roadside assistance: This coverage provides you with roadside assistance services, such as towing, jump starts, and lockouts. It’s not required by law in Virginia, but it can be a good idea to have to help get you back on the road sooner.
Steps to take after an accident
If you’ve been involved in an accident, the first step is to determine whether anyone in your vehicle has been hurt. If another car was involved, check on the other driver and any passengers. Once you’ve confirmed everyone is okay, follow these steps after an accident.
- Stay calm.
- If your car is drivable, move your vehicle out of the way of traffic and turn on your hazard warning lights.
- Get medical help if anyone is injured.
- Call the police to report the accident even if the accident is minor.
- Answer questions the police may have and provide your driver’s license and insurance information. Limit your discussion of details of the accident with the police only. Ask for the name and badge number of all officers you speak to. Request a copy of the police report for your insurance company. Don’t admit fault or reveal your policy limits.
- Gather information. Get the names, addresses, phone numbers, and auto insurance information of all parties involved. Be sure to get contact information of any witnesses.
- If you have a camera with you, take photos to document vehicle damage, the accident scene, skid marks, and any other features of the accident scene.
- Report the incident to Elephant Insurance as soon as possible by using our online form.
- Take reasonable steps to protect your vehicle from further damage. If your car is not drivable, request roadside assistance.
Get fast, personalized car insurance quotes in Roanoke
Find competitive rates and highly rated customer service for car insurance in Roanoke, VA from Elephant Insurance. Start your online Virginia auto insurance quote anytime. It’s quick and easy.