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Bacon Insurance Group

3711 Westerre Pkwy, Suite D
Richmond, VA 23233

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Are You Underinsured?

If you own a vehicle you use to commute, you need to meet the legally required insurance for your state. However, meeting the legal requirement may not be enough to protect you from risks on and off the road. If you would like to learn about auto insurance protection, you can trust the professionals at Bacon Insurance Group to provide the residents of Richmond, VA with top-quality insurance products and services. 

Auto Insurance Coverage

If you have a vehicle that’s financed, the finance company will require you to have full coverage auto insurance to protect you from losses. Depending on the value of your vehicle, you may need to increase from basic full coverage to fully protect your investment. There are a few different levels of insurance available with add-ons that prove highly beneficial. 

The best way to choose the right level of coverage is to work with a professional insurance agent. They can assess your needs and provide you with recommendations for insurance coverage that meets your needs and doesn’t leave gaps. They can also assist you with the submission of your information to help get coverage right away. If there are changes to the policy or a claim, they can also help you. 

Find Out More Today

Proper auto insurance protection is essential for every driver on the road. If you would like to learn more about the right auto insurance policy for your needs, you can count on Bacon Insurance Group to provide assistance and information about policy options. We take pride in offering the residents in and about the Richmond, VA area security and peace of mind that reliable insurance can offer. 

4 Ways to Get the Best Auto Insurance for Your Needs

Getting the right auto insurance doesn’t have to be complicated when you work with trusted professionals who can give you options and information. If you’re in the Richmond, VA area, Bacon Insurance Group is here to help you get the auto policy that’s right for you. Then you can feel confident in the level of coverage you have and experience more peace of mind on the road.

Naturally, you want to make sure you’re meeting any legal requirements for coverage. State minimums are in place for a reason, to add a standard level of protection to everyone who drives on Virginia’s roadways. But many drivers want or need more than the minimum, and working with an agent makes it easier for you to decide the specifics of your policy.

If your vehicle is financed, for example, you probably need full coverage insurance. Deductibles for this coverage can vary, and your agent will have good information about what choice to make. You might also want to consider roadside assistance if you travel a lot or other types of auto insurance coverage that wouldn’t be typical or standard.

With that in mind, to get the best auto coverage for your situation, consider:

  1. Knowing and understanding your current coverage, if any
  2. Being aware of state minimums and any lender requirements
  3. Looking into deductibles and limits, as well as add-on options
  4. Working with an agent for the best options and opportunities

Even if you’ve done research on your own, an agent can still help guide you and talk through your policy options. Reach out to the Bacon Insurance Group today and get access to a variety of insurers serving the Richmond, VA area, so you can compare what’s offered and make a choice that fits what you’re looking for.

Common Types of Coverage Options for Auto Insurance

Shopping for auto insurance can seem overwhelming. Many coverage options are available in and around Richmond, VA. It is essential to understand their differences to make an informed decision.

Bacon Insurance Group offers several types of auto insurance coverage to help protect your vehicle and assets.

Here is a breakdown of the basic options:

Liability Coverage 

Liability coverage is one of the most basic forms of auto insurance. Bodily injury liability helps cover the costs of treating someone else’s injuries if you cause an accident. Property damage liability covers damage to another person’s property resulting from an accident you caused. 

Collision Coverage 

Collision coverage helps pay for repairs or replacement costs for your car if it is damaged due to an accident that was your fault. It usually covers both at-fault and not-at-fault accidents, although there may be some exceptions depending on your policy. 

Comprehensive Coverage 

Comprehensive coverage is another type of auto insurance that protects against non-accident-related damage, such as theft, weather damage, or vandalism. It also generally covers repair or replacement costs if your car is damaged by something other than a collision in Richmond VA.

Uninsured Motorist Coverage 

Uninsured motorist coverage helps cover medical expenses and lost wages if you are injured in an accident caused by a driver who doesn’t have auto insurance. It also helps protect you if you are hit by a driver who flees the scene without providing their contact information or insurance information (known as a “hit-and-run” accident).  

Get The Right Coverage For Your Needs

If you want to learn more about the different types of coverage and what might be best for your needs, contact Bacon Insurance Group today! We serve the greater Richmond, VA community. Our friendly agents will answer all your questions and help you get the right policy for your situation so that you can drive with peace of mind knowing that you are covered in case something unexpected happens.

Why basic auto insurance may not be the right choice

Basic auto insurance is the least amount of coverage that you must have to be in compliance with the requirements of the state of Virginia. At Bacon Insurance Group in Richmond, VA, we have been providing personalized service to our customers for more than 25 years.

Basic insurance is right for some people but not for everyone

In Virginia, basic insurance is 25/50/20. What that means is $25,000 for one person injured in an accident where you are the responsible party, $50,000 for all the injuries if more than one person is injured, and $20,000 for property damage. This seems like a reasonable amount of coverage but, if someone is seriously injured, a hospital stay can be thousands of dollars a day. A higher level of coverage may be right for you. 

If you have a car loan or if you lease your vehicle, you will need to have additional coverage. You need to protect the car which is not yours, you will need to cover it against damage, which means having collision and comprehensive coverage and full glass coverage. 

If you are like most drivers, you count on your vehicle every day to do your normal activities like getting to work, grocery shopping, and all the other things that require you to drive. When you have an accident, will you be able to pay for the repairs that are needed to get your vehicle back on the road?  Is your answer no?  Then basic auto insurance isn’t the right option for you. Having collision and comprehensive coverage will get you back onto the road where you need to be without more than a deductible payment. 

Get Auto Insurance Today

Contact Bacon Insurance Group in Richmond, VA for all your auto insurance needs. We can be reached on the phone, in person at our office, or through email. 

What Factors Affect My Auto Insurance Rates?

 The cost of your auto insurance has a significant impact on your overall cost of car ownership. Therefore, it’s no surprise that many car owners in Richmond, VA, are looking to keep their car insurance rates at the minimum level. Here are factors that can increase or lower your car insurance rates. 

1. Your Age

Auto insurancers typically view younger drivers, especially those in their teens and early 20s, as a more considerable risk and more expensive to insure and charge them higher insurance rates. This is because younger drivers are less experienced. Older drivers – those above 50 years old – have more affordable insurance rates. 

2. Driver’s History

Car insurance companies consider a driver’s past as a reliable predictor of their future. Therefore, if your driving history is full of DUIs, speeding tickets, and reckless driving charges, they assume you will have more of those in the future and charge you higher auto insurance rates. However, your rates will be much lower if you have a clean driving history. This is why at Bacon Insurance Group, we advise drivers to do their best to abide by traffic laws and regulations. 

3. Your Credit Score

According to reliable data, drivers with a poor credit score file more claims compared to drivers with a good credit score. Thus, if your credit score is poor, your car insurance rates will be higher, and if it’s good, you will have lower rates. 

4. Annual Mileage

The more miles you accumulate on your car, the more likely you will get involved in an accident. As a result, auto insurance providers usually charge higher rates to drivers with higher annual mileage than those with lower annual mileage. 

Are you looking for a reputable auto insurance provider to insure your car in Richmond, VA? Contact us at Bacon Insurance Group, and our friendly auto insurance professionals will help you figure your car insurance out. Call us today.  

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Servicing States

  • Virginia
  • North Carolina
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