When looking for an appropriate Virginia auto insurance policy, consumers should not devote all their attention to the quote.

The National Association of Insurance Commissioners suggests that careful examination of policies and reviews of current coverage can allow drivers to save money. Consumers may find shopping for coverage easier once they learn the different types, such as liability, injury protection and comprehensive coverage.

In Virginia, medical expense and loss of income benefits coverage is optional, providing coverage for reasonable medical expenses due to injuries sustained in the policyholder's vehicle, and for injuries the driver's family receives in an auto accident. This may even apply if the family member is in a different car, and loss of income coverage can provide some compensation if the insured individual is unable to go to work.

More extensive coverage is also more expensive, but motorists may be able to reduce costs when first purchasing a policy or due to changed circumstances later on. Insurance providers offer various discounts which shoppers should look into.

Beyond that, choosing a higher deductible will mean lower premiums that are advantageous to drivers who are not in accidents. If a driver is regularly spending less time on the road than in the past, parking in a garage as opposed to on the street or otherwise changes habits may earn them lower premium costs.