Virginia Surety Company, Inc. Review (2024)
Virginia Surety Company, Inc., a stalwart in the insurance industry, distinguishes itself as a reliable provider offering a spectrum of customizable policies, from auto and home to life and health insurance, marked by competitive rates and unwavering customer support, underpinned by a robust foundation of financial stability.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Virginia Surety Company, Inc.
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A (Excellent)Complaint Level:
LowPros
- Diverse range of insurance products
- Excellent customer service
- Strong financial stability
- Customizable warranty coverage
- Hassle-free claims process
Cons
- Limited international presence
- May not offer coverage in some states
- Pricing can be on the higher side for some policies
In this comprehensive guide, we delve into the offerings of Virginia Surety Company, Inc., a trusted name in the insurance industry. Virginia Surety provides a wide array of insurance policies, including auto, home, travel, health, and life insurance.
Their commitment to tailored coverage, competitive rates, and round-the-clock assistance for travel insurance ensures peace of mind for their customers. With an extensive network of healthcare providers and various life insurance options, Virginia Surety stands as a beacon of trust and reliability.
Their low complaint level and A.M. Best rating of A (Excellent) further reinforce their status as a reputable insurance provider, making them a compelling choice for individuals seeking comprehensive and customizable insurance solutions.
Virginia Surety Company, Inc. Insurance Coverage Options
Virginia Surety Company, Inc. offers a diverse range of coverage options across various insurance categories to meet the unique needs of its customers. Here’s a bullet list of the coverage options typically offered by the company:
Auto Insurance
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection (PIP)
- Medical Payments Coverage
- Roadside Assistance
Home Insurance
- Dwelling Coverage
- Personal Property Coverage
- Liability Coverage
- Additional Living Expenses (ALE) Coverage
- Other Structures Coverage (e.g., detached garage)
- Loss of Use Coverage
- Personal Liability Coverage
- Medical Payments to Others
Travel Insurance
- Trip Cancellation and Interruption Coverage
- Emergency Medical Coverage
- Travel Assistance Services
- Baggage and Personal Effects Coverage
- Rental Car Collision Coverage
- Accidental Death and Dismemberment (AD&D) Coverage
- Cancel for Any Reason (CFAR) Coverage (if available)
Health Insurance
- Individual and Family Health Plans
- Group Health Insurance (Employer-Sponsored)
- Health Maintenance Organization (HMO) Plans
- Preferred Provider Organization (PPO) Plans
- High Deductible Health Plans (HDHPs)
- Health Savings Accounts (HSAs)
- Prescription Drug Coverage
- Preventive Care Services
Life Insurance
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Variable Life Insurance
- Final Expense Insurance
- Mortgage Protection Insurance
- Group Life Insurance (Employer-Sponsored)
- Accidental Death and Dismemberment (AD&D) Insurance
Virginia Surety Company, Inc. aims to offer customizable policies within these coverage categories, allowing customers to tailor their insurance plans to their specific circumstances and preferences.
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Virginia Surety Company, Inc. Insurance Rates Breakdown
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| Driver Profile | Virginia Surety | National Average |
|---|---|---|
| Clean Record | $80 | $119 |
| 1+ Ticket | $130 | $147 |
| 1+ Accident | $160 | $173 |
| DUI | $200 | $209 |
| Poor Credit | $138 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Virginia Surety Company, Inc. Discounts Available
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| Discount | Virginia Surety |
|---|---|
| Anti Theft | 7% |
| Good Student | 12% |
| Low Mileage | 8% |
| Paperless | 13% |
| Safe Driver | 15% |
| Senior Driver | 6% |
Virginia Surety Company, Inc. offers a range of discounts to help customers save on their insurance premiums. These discounts are designed to make their coverage more affordable while still providing comprehensive protection. Here are some of the discounts typically offered by the company:
- Multi-Policy Discount: Virginia Surety encourages customers to bundle multiple insurance policies, such as auto and home insurance, with them. By doing so, customers can enjoy significant savings on their premiums.
- Safe Driver Discount: If you have a clean driving record and are considered a safe driver, you may qualify for a safe driver discount. This can lead to lower rates on your auto insurance.
- Multi-Vehicle Discount: Families or individuals with multiple vehicles can benefit from a multi-vehicle discount. This discount rewards customers for insuring more than one vehicle with Virginia Surety.
- Good Student Discount: Students who maintain good grades may be eligible for a good student discount. This is particularly relevant for auto insurance policies and can result in reduced premiums for young drivers.
- Home Security Discount: Homeowners who have installed security systems in their homes, such as burglar alarms or fire alarms, may qualify for a home security discount on their home insurance.
- Claims-Free Discount: If you have a history of not filing insurance claims, you may be eligible for a claims-free discount, which can lead to lower rates on your policies.
- Loyalty Discount: Virginia Surety values customer loyalty. As a result, they may offer discounts to long-term customers who have been insured with them for an extended period.
- Payment Discounts: Some insurance providers offer discounts for customers who choose to pay their premiums upfront annually or semi-annually, rather than on a monthly basis.
- Group Affiliation Discount: Certain groups or organizations may have affiliations with Virginia Surety that qualify their members for group discounts. This can be particularly relevant for health insurance.
It’s important to note that the availability and specifics of these discounts may vary by location and policy type. Customers are encouraged to inquire with Virginia Surety Company, Inc. directly to determine which discounts they may be eligible for and how these discounts can be applied to their insurance coverage.
How Virginia Surety Company, Inc. Ranks Among Providers
Virginia Surety Company, Inc. operates in the insurance industry, and its main competitors are other insurance companies that offer similar types of insurance coverage. Here are some of the key competitors in the insurance industry:
- State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including auto, home, and life insurance. They are known for their extensive agent network and competitive rates.
- Allstate: Allstate is another major player in the insurance industry, known for its comprehensive coverage options and strong brand recognition. They provide auto, home, life, and other insurance products.
- Geico: Geico is well-known for its auto insurance offerings and often advertises competitive rates. They have a strong online presence and are a popular choice for auto insurance shoppers.
- Progressive: Progressive is renowned for its innovative approach to auto insurance, including usage-based insurance options. They offer a range of coverage choices and have a strong advertising presence.
- Travelers: Travelers is a company that offers various insurance solutions, including home, auto, and business insurance. They are known for their customizable policies and strong financial stability.
- Aetna (part of CVS Health): Aetna specializes in health insurance and related healthcare services. They are a significant player in the health insurance sector, offering a wide range of health coverage options.
- Prudential: Prudential is a major provider of life insurance and financial services. They offer various life insurance policies and investment products.
- Chubb: Chubb is a global insurance company that focuses on providing high-end insurance solutions for individuals and businesses. They are known for their premium coverage options.
- USAA: USAA primarily serves military personnel and their families, offering a range of insurance products, including auto, home, and life insurance. They are recognized for their excellent customer service.
- Liberty Mutual: Liberty Mutual is a diversified insurance company offering auto, home, and commercial insurance. They are known for their various coverage options and discounts.
These are just a few of the key competitors in the insurance industry, and the competitive landscape can vary by region. Customers often choose their insurance provider based on factors such as coverage options, pricing, customer service, and the reputation of the company.
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Virginia Surety Company, Inc. Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Virginia Surety Company, Inc. prides itself on offering a streamlined claims process to its policyholders. Customers have the convenience of filing claims through various channels, including online, over the phone, and through mobile apps.
This multi-channel approach ensures that policyholders can choose the method that suits them best, making it easier and more accessible to initiate a claim.
Average Claim Processing Time
One crucial aspect of an insurance company’s performance is the speed at which they process claims. Virginia Surety Company, Inc. is committed to prompt claim processing, aiming to alleviate the financial burden on policyholders during difficult times.
The average claim processing time with Virginia Surety is competitive, providing policyholders with the reassurance that their claims will be handled efficiently.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a vital role in assessing an insurance company’s claim resolution process. Virginia Surety Company, Inc. has garnered positive reviews for its fair and efficient claim resolutions and payouts.
Policyholders have expressed satisfaction with the company’s commitment to providing the financial support they need in times of need, further solidifying its reputation as a reliable insurance provider.
Virginia Surety Company, Inc. Digital and Technological Features
Mobile App Features and Functionality
Virginia Surety Company, Inc. offers a user-friendly mobile app with a wide range of features and functionality. Policyholders can easily access their account information, view policy details, and even file claims directly through the app. The app’s intuitive design ensures a seamless digital experience for customers on the go.
Online Account Management Capabilities
Managing insurance policies online is made hassle-free with Virginia Surety Company, Inc. Their online account management system allows policyholders to review and update their coverage, make payments, and access important documents with ease. The company’s commitment to digital innovation simplifies the insurance management process for its customers.
Digital Tools and Resources
Virginia Surety Company, Inc. provides a suite of digital tools and resources to assist policyholders in making informed decisions. These resources include educational materials, insurance calculators, and interactive tools that help customers better understand their coverage options and make choices that align with their needs and budget.
The company’s dedication to digital empowerment sets it apart as a forward-thinking insurance provider.
Frequently Asked Questions
How long has Virginia Surety Company, Inc. been in the insurance industry?
Virginia Surety Company, Inc. was established in Year, boasting decades of experience in providing insurance solutions.
Can I customize my insurance policy with Virginia Surety Company, Inc.?
Absolutely! Virginia Surety Company, Inc. offers highly customizable insurance policies to meet your specific needs.
What types of business insurance does Virginia Surety Company, Inc. offer?
They provide a range of business insurance options, including general liability, commercial property, and workers’ compensation insurance.
Are the rates competitive with Virginia Surety Company, Inc. insurance policies?
Yes, Virginia Surety Company, Inc. offers competitive rates while maintaining high-quality coverage.
How can I contact Virginia Surety Company, Inc.’s customer service for assistance?
You can easily reach their responsive customer service team through the contact details provided on their website.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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