Let’s say you got your license at age 16. Now let’s say you’re 34 years old, and have never been in an auto accident. You have a stellar driving record, no tickets, a sensible car, and a defensive driving style.

You know what that makes you?

Overdue for an accident.

Good job, but statistically speaking, the average driver files an auto insurance claim for a collision every 17.9 years. If that seems pretty infrequent, consider the price tag. In 2012, the average auto liability claim for property damage was $3,073, and the average auto liability claim for bodily injury was $14,653, according to auto risk- assessment firm ISO. That s a lot of money to fork over out-of-pocket.

Figuring out how much coverage you need (and how to save money on it) starts with a solid understanding of how auto insurance works, and that’s where we can help. We know the auto insurance industry (and Virginia state requirements) from the inside out, and we’ve included real-world examples from one of our agents.

Get started here, then get a customized review of your specific situation with one of our agents. We’ll make sure you’re covered for real life.