Northern Neck Car Insurance Review & Ratings (2024)
Discover the excellence of Northern Neck Car Insurance: Unbiased ratings, savings, and coverage options for Virginia drivers. Find out how Northern Neck Insurance fares in customer satisfaction, claims handling, and cost-effectiveness. Explore the available coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Jun 17, 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 company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 17, 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 company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies 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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Northern Neck Car Insurance
Average monthly rate for good drivers:
$107A.M. Best rating:
A- (Excellent)Complaint level:
LowPros
- Locally Owned and Operated
- Bundle Savings
- Limited Complaints
- Online Services
Cons
- Limited Coverage Area
- Potentially Higher Rates
Northern Neck provides various types of insurance specifically for Virginia residents. The company offers several discounts, has few complaints, and has been rated an A by A.M. Best. Learning more about Northern Neck Insurance and comparing it to other companies will help you determine if it’s right for you.
Now that you know about Northern Neck Insurance, enter your ZIP code to find free auto insurance rates in your area.
What You Should Know About Northern Neck Insurance Company
Welcome to our comprehensive guide on Northern Neck Car Insurance. In this article, we will delve into the various aspects of Northern Neck Car Insurance, including coverage options, customer satisfaction, claims handling, and cost-effectiveness. We’ll also explore exclusive discounts and bundling opportunities to help you save on your car insurance premiums.
- Northern Neck offers coverages to customers throughout Virginia
- The best way to save with Northern Neck is to bundle different types of insurance
- Northern Neck has been rated an A by A.M. Best
With Northern Neck’s stellar reputation and commitment to exceptional service, you can trust them to protect your vehicle. To ensure you get the best insurance coverage at the most competitive rates, enter your ZIP code now and compare quotes from top insurance providers in your area.
Northern Neck provides car insurance to customers exclusively in Virginia. The company offers the most common coverages, and customers can save by bundling different types of insurance. Additionally, the company has an excellent rating from A.M. Best.
Learning more about Northern Neck Insurance will help you decide if the company is the right fit. Before jumping into this Northern Neck Insurance review, enter your ZIP code to get free auto insurance quotes in your area.
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What is the history of Northern Neck Insurance?
Northern Neck was founded as the Northern Neck Mutual Fire Association in 1896 in Irvington, Virginia. The company came about when 37 homeowners pooled their resources to rebuild a fire-destroyed home. In 1987, the company was renamed the Northern Neck Insurance Company to reflect its growing services. However, it remains a mutual company and a Virginia-specific organization.
Northern Neck Insurance Company Insurance Coverage Options
The Northern Neck car insurance company provides the same coverages that any of the best insurance companies typically do. However, the difference between Northern Neck and other companies is that it’s locally owned and operated, providing policies only for Virginians.
Auto insurance coverages provided by Northern Neck Insurance include:
- Collision: Covers the cost to repair or replace your car if you’re involved in an accident
- Comprehensive: Reimburses you for damage due to theft, vandalism, flood, fire, and hail
- Bodily injury liability: Covers the cost of injuries to others if you’re involved in an accident
- Property damage liability: Covers the cost of property damage in an accident you cause
- Loss of personal belongings: Helps to cover the cost of personal belongings lost or damaged while in the car
Customers that buy Northern Neck car insurance policies also have access to roadside assistance. This coverage is available at all times and comes with all plans. Northern Neck’s roadside assistance includes:
- Towing
- Tire replacement
- Gas delivery
Customers in need of this service can request assistance by calling 800-913-8847.
Northern Neck Insurance Company Insurance Rates Breakdown
You won’t find affordable Northern Neck car insurance rates on its website or reviews, which isn’t surprising considering the company’s small size. However, you can get an accurate quote by contacting the company and speaking to a representative.
The representative will ask multiple questions about your driving history, vehicle, and lifestyle when you inquire about rates. These questions allow the representative to provide accurate Northern Neck car insurance quotes.
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How can you save with Northern Neck Insurance?
Due to its size, Northern Neck rates might be higher than some competitors. However, you can combine multiple policies to lower your monthly rates. Additionally, Northern Neck provides various discounts that customers can use to save.
The best way to save with Northern Neck is to bundle coverage. In addition to auto insurance, Northern Neck provides:
- Homeowners insurance
- Renters insurance
- Personal umbrella
- Cyber protection
Customers who purchase two different types of insurance with Northern Neck within 60 days of each other will receive additional savings. These savings include:
- A 25% discount on your car insurance with an existing homeowners policy
- An extra 10% off your home insurance or renters insurance with an auto policy
Northern Neck Insurance Company Discounts Available
Northern Neck also provides some of the same types of discounts you’ll find with other companies. The following table shows some of the popular deals offered by Northern Neck Insurance.
Northern Neck Insurance Auto Discounts
Car Discount Discount Eligibility
Accident-free Drivers with no accidents in the past three to five years.
Anti-lock brakes Cars with factory-installed anti-lock brakes.
Anti-theft Cars include anti-theft devices, like alarms, tracking systems, and kill switches.
Defensive driving Completed approved defensive driving course.
Good student High school or college students with at least a 3.0 grade point average.
Homeowner Insured owns a single-family home.
Multi-car policy Insure more than one car on a single auto insurance policy.
Safe driver Display safe driving habits, like having passengers wear seat belts, low driving speeds, and less aggressive driving.
When getting a quote from Northern Neck Insurance customer service, ask about which discounts are available to you. Then, the representative can use your specific information to determine how to help you save the most on your car insurance.
Streamlined Claims Process With Northern Neck Car Insurance: Filing, Processing Times, and Customer Feedback
Ease of Filing a Claim
Northern Neck Car Insurance offers multiple convenient options for filing a claim. Customers can initiate the claims process through various channels, including online, over the phone, or by using their mobile app. This flexibility ensures that policyholders can choose the method that suits them best, making it easy and accessible to report a claim.
Average Claim Processing Time
One of the critical factors in assessing an insurance company’s claims process is the average claim processing time. Northern Neck Car Insurance prides itself on efficient claims handling. Policyholders can expect a streamlined and timely resolution of their claims, reducing the stress associated with the aftermath of an accident or incident.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a vital role in evaluating an insurance company’s performance in handling claims. Northern Neck Car Insurance has garnered positive reviews regarding their claim resolutions and payouts. The company’s commitment to providing fair and prompt settlements has earned them high marks from satisfied customers.
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Elevate Your Experience With Northern Neck Car Insurance’s Digital and Technological Features
Mobile App Features and Functionality
Northern Neck Car Insurance offers a user-friendly mobile app that empowers policyholders with convenient features and functionalities. The app allows customers to access their policies, view payment information, and even file claims from the palm of their hand. With intuitive navigation and robust features, the mobile app enhances the overall customer experience.
Online Account Management Capabilities
Managing your insurance policy is made effortless through Northern Neck Car Insurance’s online account management capabilities. Policyholders can easily access their accounts online to review policy details, make payments, update information, and track claims.
This digital convenience simplifies the insurance management process, providing customers with greater control and accessibility.
Digital Tools and Resources
In addition to their mobile app and online account management, Northern Neck Car Insurance offers a range of digital tools and resources to assist policyholders. These resources include educational materials, FAQs, and helpful guides to navigate the intricacies of car insurance.
By providing these digital tools, the company ensures that customers have access to valuable information and support at their fingertips.
How Northern Neck Insurance Company Ranks Among Providers
When exploring car insurance options in Virginia, it’s essential to consider various providers to find the best coverage for your needs. Northern Neck Car Insurance, with its focus on serving Virginia residents, has several competitors in the insurance market. Let’s delve into the main competitors, their offerings, and key features.
- Geico Auto Insurance: Geico, or the Government Employees Insurance Company, is a major player in the auto insurance industry. Known for its wide range of coverage options and competitive rates, Geico operates nationally. Customers appreciate Geico’s user-friendly online platform, where they can easily manage policies, file claims, and access resources.
- State Farm Auto Insurance: State Farm is one of the largest auto insurance providers in the United States. With a vast network of agents and a variety of coverage options, State Farm offers personalized service to its customers. The company is known for its strong customer support and a range of discounts that policyholders can take advantage of to reduce their premiums.
- Allstate Auto Insurance: Allstate is another prominent insurance company with a nationwide presence. Offering a range of coverage options, including innovative features like the Claim Satisfaction Guarantee, Allstate aims to provide peace of mind to its policyholders. The company’s emphasis on technology, such as the Drivewise program, rewards safe driving habits.
- Progressive Auto Insurance: Progressive is renowned for its innovative approach to auto insurance. With features like Name Your Price tool and Snapshot program, Progressive appeals to customers seeking flexibility and personalized pricing. The company’s extensive advertising often highlights its commitment to providing a seamless and tech-savvy insurance experience.
- USAA Auto Insurance: USAA caters to military members and their families, providing auto insurance with a focus on unique needs and considerations. While eligibility is limited, USAA is highly regarded for its exceptional customer service, competitive rates, and a range of financial services beyond insurance.
- Erie Insurance: Erie Insurance operates in multiple states, including Virginia, and is known for its commitment to customer satisfaction. The company offers a range of coverage options and discounts, and policyholders often appreciate the personalized service provided by Erie agents.
As you explore car insurance options, consider factors such as coverage offerings, customer service, and pricing to determine the best fit for your needs. Each competitor has its unique strengths, so comparing quotes and reviewing customer feedback can help you make an informed decision tailored to your preferences and circumstances.
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Northern Neck Insurance: Customer-Centric Solutions and Stellar Reviews
How is Northern Neck Insurance rated?
Credit rating agencies regularly review and rate auto insurance companies based on financial strength. These ratings determine the company’s likelihood to provide a payout when you file a claim.
Northern Neck Insurance has been rated an A by A.M. Best, the most trusted credit rating agency. This rating is excellent and indicates that the company will provide a payout in almost all situations. Additionally, the Better Business Bureau (BBB) has reviewed the company. Northern Neck became accredited in 2013 and has received an A+ rating from the BBB.
The BBB has only received four complaints about Northern Neck during the past three years. Seven customers have left reviews on the BBB website about Northern Neck. These reviews have an average of five out of five stars.
Does Northern Neck Insurance have a website?
Northern Neck has one website for all insurance coverages, located at nnins.com. Through the website, customers can:
- View and download policy documents
- Report claims online
- Update personal information
- Make payments
- Make policy changes
A unique aspect of the website is that customers can make payments without creating an account or accessing a Northern Neck Insurance login. This process can make it easier to make policy payments. However, you can save and access payment information by creating an account.
Frequently Asked Questions
What is Northern Neck car insurance?
Northern Neck is a regional insurance company that offers car insurance policies to drivers in Virginia.
What types of car insurance coverage does Northern Neck offer?
Northern Neck offers a range of car insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection.
How do I get a quote for Northern Neck car insurance?
You can get a quote for Northern Neck car insurance by visiting their website or contacting their customer service department.
Are there any discounts available for Northern Neck car insurance?
Yes, Northern Neck offers a variety of discounts for their car insurance policies, including safe driver discounts, multi-car discounts, and good student discounts.
What are the customer reviews like for Northern Neck car insurance?
Customer reviews for Northern Neck car insurance are generally positive, with many customers praising the company’s competitive pricing and excellent customer service.
Does Northern Neck offer roadside assistance with their car insurance policies?
Yes, Northern Neck offers roadside assistance as an optional add-on to their car insurance policies.
What is Northern Neck’s claims process like for car insurance?
Northern Neck’s claims process for car insurance is straightforward and efficient. You can file a claim online, by phone, or through their mobile app, and a claims representative will guide you through the process.
Who owns Northern Neck Insurance Company?
Northern Neck Insurance Company is a mutual insurance company, which means it is owned by its policyholders rather than shareholders.
What is the best car insurance for older cars?
For older cars, you might want to consider insurance companies that offer specialized coverage for classic or vintage vehicles. Some companies known for providing good coverage for older cars include Hagerty, Grundy, and American Collectors Insurance.
Who normally has the cheapest car insurance?
Car insurance rates can vary based on factors like your driving record, location, age, and the type of coverage you need. However, generally, some insurers known for offering competitive rates include GEICO, Progressive, and USAA.
What is the simplest way to lower your auto insurance premium?
The simplest way to lower your auto insurance premium is to shop around and compare quotes from multiple insurance companies. Additionally, you can consider increasing your deductibles, bundling policies, maintaining a good driving record, and taking advantage of available discounts.
What time of year is car insurance most expensive?
Car insurance rates typically don’t fluctuate based on the time of year. However, rates can be affected by factors like changes in driving habits, weather conditions, and economic factors.
What is the best and least expensive auto insurance?
The best and least expensive auto insurance can vary depending on individual circumstances. It’s essential to compare quotes from multiple insurers to find the best coverage at the most affordable price for your specific needs.
Why did my car insurance go up in 2024?
Several factors can cause your car insurance rates to increase, including changes in driving habits, moving to a new location, filing claims, changes in insurance laws or regulations, and inflation affecting the cost of repairs and medical care.
Can you go to jail for not having car insurance in PA?
In Pennsylvania, driving without car insurance is considered a serious offense. While you may not go to jail for a first offense, you can face fines, license suspension, and other penalties.
What’s the longest you can go without car insurance?
The length of time you can go without car insurance depends on various factors, including state laws, vehicle ownership status, and whether you plan to drive the vehicle. However, driving without insurance is illegal in most states and can result in penalties.
What is the minimum auto insurance in PA?
In Pennsylvania, the minimum auto insurance requirements include:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
What insurance company has the most complaints?
The insurance company with the most complaints can vary based on factors like customer volume and satisfaction levels. However, you can check consumer complaint data from organizations like the National Association of Insurance Commissioners (NAIC) to assess an insurer’s complaint history.
What’s the most used car insurance?
Some of the most commonly used car insurance companies include State Farm, GEICO, Progressive, Allstate, and USAA. However, popularity may vary depending on factors like location and customer preferences.
Can I insure a car not in my name in PA?
Generally, you can insure a car that is not in your name in Pennsylvania, but you must have insurable interest in the vehicle. This typically means you must be the owner, co-owner, or have a financial interest in the vehicle.
Can you sue an uninsured driver in PA?
In Pennsylvania, you have the right to sue an uninsured driver for damages resulting from a car accident. However, collecting compensation may be challenging if the uninsured driver does not have sufficient assets or resources.
Why is car insurance only 6 months?
Car insurance policies are often sold in six-month increments because it allows insurers to reassess risk factors and adjust premiums accordingly. Additionally, shorter policy terms give policyholders more flexibility to switch insurers or adjust coverage as needed.
What is the average cost of car insurance per month in Pennsylvania?
The average cost of car insurance per month in Pennsylvania can vary based on factors like age, driving record, coverage limits, and location. However, it’s estimated to be around $100 to $200 per month for full coverage.
Who has the cheapest car insurance rates in VA?
Some insurance companies known for offering competitive rates in Virginia include GEICO, USAA, and Erie Insurance. However, rates can vary based on individual factors, so it’s essential to compare quotes from multiple insurers.
Who typically has the cheapest car insurance?
The cheapest car insurance rates can vary depending on factors like age, driving record, location, and coverage needs. However, some insurers known for offering competitive rates include GEICO, Progressive, and USAA.
What is the most trusted car insurance company?
The most trusted car insurance company can vary based on individual experiences and preferences. However, some insurers with strong reputations for customer satisfaction and reliability include State Farm, Amica, and USAA.
How long can you go without car insurance before being penalized in PA?
In Pennsylvania, it’s illegal to drive without car insurance. If you are caught driving without insurance, you can face penalties such as fines, license suspension, and vehicle impoundment.
What is the best car insurance company in Virginia?
The best car insurance company in Virginia can vary depending on individual needs and preferences. Some insurers known for offering good coverage and customer service in Virginia include State Farm, GEICO, and Erie Insurance.
What is the best car insurance in Virginia?
Determining the “best” car insurance can depend on individual needs and preferences. However, some well-regarded options in Virginia include State Farm, GEICO, and Erie Insurance.
Is there car insurance cheaper than USAA?
USAA often offers competitive rates, especially for military members and their families. However, rates can vary based on factors like driving history, location, and coverage needs. It’s essential to compare quotes from multiple insurers to find the best rate for you.
What is the average cost of auto insurance in VA?
The average cost of auto insurance in Virginia can vary depending on factors like age, driving record, location, and coverage levels. However, it’s estimated to be around $800 to $1,200 per year for full coverage.
What is the most expensive car insurance per month?
Car insurance rates can vary widely based on individual factors and the insurer. However, certain factors like a poor driving record, high coverage limits, and expensive vehicles can lead to higher premiums.
How long can you go without paying car insurance in PA?
Driving without car insurance is illegal in most states, including Pennsylvania. While there may not be a specific grace period for going without insurance, it’s crucial to maintain continuous coverage to avoid penalties such as fines, license suspension, and vehicle impoundment.
Can your license be suspended for not having insurance in California?
Yes, in California, driving without insurance can result in license suspension. California law requires drivers to carry minimum liability insurance coverage, and failure to do so can lead to penalties such as fines, license suspension, and vehicle impoundment.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
Lee50
Grateful for going above and beyond
MaMoo
Claims Agent
Prissysman19
Great Insurance company
Nina
Good value
jr215
Highly recommend
Mkilby1973
Great company
omgherpiderp
oooooffoo
maryro
Hit and Run on Father's Day has a happy ending...