No Waiting… No Hassles… No Red Tape…
In 14 minutes, we can save you up to 50% on car insurance.
Here is what you can expect when you work with The Insurance Doctor.
Get a quote. Not just one… we will shop 40 different insurance companies to find the best policy for you. And each one of those companies has flexible pay plans to fit your budget.
You can request your quotes online. Or, we can give you a quote by phone. Either way is shockingly fast. On average, it takes us 4 ½ minutes to provide quotes by phone… even faster if you request your quotes online.
Before you hang up, we will have found the best policy for you.
Get your policy. Most people do this in our office because it’s fast, and your signature is required. Plus, with offices in Woodbridge, Richmond, Williamsburg, Hampton, Newport News and Virginia Beach, as well as Charlottesville, Northern VA, Raleigh, NC and other areas, we’re nearby, too. When you arrive, your paperwork will be waiting for you. If you have an email address or a fax machine we can send you the paperwork electronically. We want to make insurance coverage as convenient for you as this. It is what we’ve been doing for over 25 years.
The average client is done with paperwork in 14 minutes.
You will leave our office with:
Your new policy number
Proof of your coverage
Your payment schedule
Your temporary insurance card (until yours arrives)
Literature on your insurance company with 24 hour claims information
Insurance premiums depend on several factors, including your age, sex, place of residence, and driving record; the amount and type of coverage you select; and whether you drive your vehicle primarily for business or personal purposes. This explains why one driver might pay a different premium than another for the same make of vehicle.
But why might it cost more to insure one sport utility vehicle (SUV) than another? In addition to the factors listed above, insurance companies consider the likelihood that a particular brand of vehicle will be stolen, vandalized, or involved in an accident. They also track the cost of repairs. They gather their information from claim statistics. The Highway Loss Data Institute, for example, indexes the amount of money insurance companies have paid out (on average) for collision, injury, and theft claims for various types of motor vehicles. Therefore, the SUV that is most attractive to thieves across the country will probably be more expensive to insure than the one that is stolen least often.
Insurance companies also consider their own past claim payouts. For instance, if one company has paid numerous claims regarding a particular make of SUV, it may charge higher insurance rates for that type of SUV than another company would. This is why we shop for your insurance through 40 different companies – to find the right policy for you.
As you have probably discovered, insuring a teenage driver can be very expensive. Drivers under the age of 25 pose the greatest risk to insurers. Insurance companies try to limit their exposure by charging higher insurance rates for 16- to 24-year-olds than for any other age group.
The least expensive option would probably be to add your teenager to your existing auto insurance policy once he gets his learner’s permit. Although this can still be an expensive prospect, your teen might be able to take advantage of certain discounts as a driver on your policy (e.g., safe-driver and multiple-car discounts for which you are eligible).
We can help you determine your most cost-effective option. If you’re thinking about purchasing a used car for your teen, be prepared to tell us the make, model, VIN#, and year of the cars you’re considering. This way, we can give you accurate insurance quotes and help you decide whether to purchase separate insurance for your son or add him to your policy. Sometimes these quotes can even help you decide which car to purchase.
Many insurance companies issue automobile insurance, but finding the BEST policy for you can be challenging and time consuming. This is why people come to The Insurance Doctor – because we do the shopping for you through 40 different companies.
Remember that your profile will be a good fit for one of our companies. Our shopping helps you find the policy that’s right for you.
We compare premiums offered by 40 different companies and look for high customer service standards. The ability to pay a claim promptly will be important if you’re ever involved in an accident. And of course, we offer 24 hour claims service.
Finally, we understand insurance discounts and how you may be able to take advantage of them. You may benefit from multi-car and/or multi-driver discounts. You may receive a multiple policy discount if you purchase your auto insurance coverage through the same insurer that covers your motorcycle or boat insurance. An insurer may also offer you a discount if you have a safe driving record or have completed a driver’s education course.
Give us the chance to compare 40 companies and rates to ensure that you make the decision that’s right for you.
In most states, the department of motor vehicles has a “point” system, which is used to track and measure your driving record. Generally, each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record.
Typically, an auto insurance company has the right to review the driving record of anyone who applies for an auto insurance policy from that company.
There are two purposes for this initial review:
To determine whether you meet the insurer’s standards of insurability
To evaluate your risk potential (i.e., how much your insurance will cost).
Each insurance company has its own method of evaluating applicants. So the points on your driving record may have a direct impact on the rates you pay for auto insurance. This is one of the reasons why we shop among 40 different insurance companies and programs to find the best policy for you.
There are certain times when you can be relatively sure your insurance company will be checking your record. These include:
When you initially apply for coverage
When your policy comes up for renewal
If a review of your driving record uncovers negative information, your insurance rates may increase. Insurers typically have their own “point” system to calculate the increase (if any). Then we go to work for you to find you the lowest rate even with this negative information.
Lets talk about you for a minute – and what you deserve from people like us.
You want to save money… without spending your life learning the insurance business and shopping for the right policy. Research is our job. Leave that to us.
If you are a safe driver, you want to be sure you are getting the savings you deserve. You probably have no idea the discounts you may qualify for. We’ll show you.
If you have a bad driving record, you want to be treated fairly and respectfully. And you want the best policy for your current situation. We are proud to help you.
You want to pay on your terms. Maybe in small monthly payments by direct bill or EFT. Maybe you would rather pay by credit card – or in cash? We give you the choice.
You don’t want to be haunted by a traffic violation from years ago. Most insurance companies review the last five years of your driving before they will insure you. We only review the last three years of your driving record.
You don’t want to deal with the insurance company. We do it for you.
You want immediate service when you need it the most. We offer 24 hour claim service.
You want an expert as your own personal representative. Someone well-trained and friendly – who you trust to follow up with you quickly. That’s us. We’re open during lunch and in the evening to suit YOUR schedule. We’ll work with you by phone or email. Whatever suits you.
You don’t want to deal with an automated answering service or 1-800 numbers. We don’t want to jeopardize personal service just when you need it the most. You will get your own agent every time you call.
Let us make your life a little easier – and save you money at the same time.
Get a quote. And see how it pays to let us do the shopping for you.
Whether you are a safe driver, have had bumps in the road with your driving record, or adding a teenage driver to your insurance, call on us. At Insurance Doctor, we know that if you are not shopping for your auto insurance every year, you are probably paying too much for your premium. We can take care of the insurance comparison shopping in order to find you great savings with the best policy that you deserve. By the way, paying cheaper car insurance premiums does not mean lower quality of service.
In fact, if you ever have an accident that occurs beyond the normal business hours, Insurance Doctor wants you to know that you can reach us anytime with our courteous 24-hour claim service. We also have office hours at convenient locations so that it will always be easier for you to stop in with your insurance policy questions. Also, you will have an assigned personal representative to turn for expert answers about your insurance policy.
We serve our customers from Richmond, VA to Virginia Beach, Charlottesville, and Northern VA. We also cover Raleigh, NC and other areas of North Carolina. Insurance Doctor is your choice for flexible insurance at great rates.
Here are several reasons why you SHOULD choose the Insurance Doctor for you auto, home, and commercial insurance needs:
*Security of knowing we have been in business for over 25 years!
*17 office locations… even open on Saturdays!
*YOU choose how YOU want to do business with us: In the office, over the phone, or online!
*Flexible pay plans and easy payment options!
*Electronic filing of SR22’s and FR44’s!
*Customer referral awards up to $100!
Nathaniel B. stated ~ “It’s cheap. Sue and Sam are great!”
DeShawn D. said ~ “The best thing I like about Insurance Doctor is that they work with you to find the best rates. When better deals come along, they always let me know. Both ladies are nice, kind, and beautiful people. Thanks for all your help. God Bless.”
James Dowds Jr said ~ “Insurance Doctor is great. They have great affordable prices and the agents are always very helpful and friendly.”
Shaunnie H. told us ~ “I had a wonderful experience with the Insurance Doctor. They were very professional, knowledgeable, and so polite. A breath of fresh air!”
“I called to open a new policy and the staff was great and informative. They shopped around and found an insurance company that made my payments a lot lower each month. Saving money is great! Thanks you guys!” ~ Pat T.
If you would like to receive great service and affordable insurance please give us a call.
We still have your information saved for quick access to your quote. Call us toll free #888.974.6736 or email us at firstname.lastname@example.org.
Our commitment to all of our customers is to find the best affordable insurance to meet your needs. You deserve quality service from your insurance agency. Let us help you…because knowing and researching the insurance business is our commitment to finding the right fit for you.