What Does Village Car Insurance Mean?

Village car insurance refers to small, local car insurance companies. Village car insurance companies offer more personal services but rates can be higher than those from larger companies.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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Here's what you need to know...

  • Village auto insurance is not a specific type of policy that only covers you when you drive in a small village or town
  • Village auto insurance  is simply a name by which hundreds of small, local insurance agencies do business
  • Most states require drivers to carry some sort of minimum insurance coverage

With so many competing car insurance quote websites out there, you may see confusing terms like village auto insurance that are either inaccurately explained or intentionally misleading.

So let’s define village auto insurance. While there are many individual companies with that name, the idea of village car insurance is simply small, local companies that offer car insurance.

Getting multiple quotes to compare coverage and pricing is the only way to determine the best insurance company for auto insurance for you. This allows you to compare the larger and smaller companies at one time.

Compare online insurance quotes from the village companies and larger companies in your area by entering your ZIP code now!

State Requirements for Auto Insurance

Most states require that coverage be provided by a licensed car insurance company.

Yet there are a handful of states that will allow drivers to self-insure if they can demonstrate they have the financial resources to pay car insurance claims out of pocket. Self-insurance is unusual because it requires a person to have strong financial means.

What are the minimum car insurance requirements?

States also require minimum amounts of coverage for bodily injury, property damage, and uninsured/underinsured drivers.

  • Bodily damage – coverage pays the medical expenses incurred by you, your passengers, and in some cases, other drivers
  • Property damage – provides coverage in case an accident damages someone else’s property; things like fences, porches, etc
  • Uninsured/underinsured coverage – pays for bodily injury or property damage if another driver involved in the accident happens to be without adequate insurance coverage

Each state will have different requirements. You will need to know your state requirements to make sure you are covered correctly.

What are the 3 types of car insurance?

There are three basic types of car insurance. Liability, collision, and comprehensive are the most common and each offers different coverages.

Liability covers the property damage and bodily injuries of the other person if you are at fault in an accident. It does not cover your damages.

Collision covers the damages and bodily injuries for you and your passengers if you are at fault in an accident.

Comprehensive will cover damages not involving an accident, such as flood, fire, vandalism, falling trees, and windshield damage.

Full coverage insurance includes all three of these coverages. It is more expensive upfront, but it will save you out of pocket expenses should an accident occur.

This table shows you the average cost difference in high, medium, and low coverages.

Average Annual Car Insurance Rate Based on Type of Coverage
CompaniesAverage Annual Car Insurance Rate for Low CoverageAverage Annual Car Insurance Rate for Medium CoverageAverage Annual Car Insurance Rate for High Coverage
American Family$3,368.49$3,544.37$3,416.40
Liberty Mutual$5,805.75$6,058.57$6,356.04
State Farm$3,055.40$3,269.80$3,454.80
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Though the prices are higher for full coverage, your risk is lessened since you are covered for more damages.

This video gives more information on the types of car insurance coverages available to you.

Each type of coverage offers something different. You will need to pick your coverage based on your specific needs. Each company will offer different coverages at different prices so getting multiple quotes is your best bet.

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How Auto Insurance Rates are Determined

In simple terms, car insurance companies determine rates based on a formula that combines all of their risks versus the potential to earn money.

Companies earn money by investing the cash received from their customers’ premiums, with the goal of making sure their earnings exceed what they pay out in claims.

Therefore, they must factor in all the risks involved in insuring a given driver. If a specific driver presents a higher risk that the insurance company will lose money, his rates will be higher than someone else’s.

What factors are used to determine rates?

The Insurance Information Institute identifies the common risk factors as the age and sex of the driver, make and model of the car, the driving history of the car’s owner and principal drivers, and the state and city where the driver resides. We will look at just two factors to give you an idea of how much your rates can change based on your specific details.

Let’s look at how age, gender, and marital status affect your rates.

Average Annual Car Insurance Rates by Age, Gender, and Marital Status
CompaniesAverage Annual Rates for a
Single 17-Year-Old Female
Average Annual Rates for a
Single 17-Year-Old Male
Average Annual Rates for a
Single 25-Year-Old Female
Average Annual Rates for a
Single 25-Year-Old Male
Average Annual Rates for a
Married 35-Year-Old Female
Average Annual Rates for a
Married 35-Year-Old Male
Average Annual Rates for a
Married 60-Year-Old Female
Average Annual Rates for a
Married 60-Year-Old Male
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
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You can see that older married females pay less than younger single males.

It shouldn’t be a surprise that your driving record affects you much you are charged for car insurance. This table shows you just how much money one traffic ticket can cost you.

Average Annual Car Insurance Rates by Driving History
CompaniesAverage Rates With a Clean RecordAverage Rates With 1 AccidentAverage Rates With 1 DUIAverage Rates With 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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A traffic violation can cost you thousands in fines and higher insurance rates. Obeying traffic laws is an easy way to save money on your car insurance.

This video goes into detail about the factors used to determine your rates.

You can see that some factors you can’t change, like your age, but others you can change, such as driving history.

Keeping Insurance Rates as Low as Possible

Keeping your car insurance rates as low as possible requires you to take care of those things you can control. For example, a small company will be more likely to charge a higher rate to drivers who frequently get speeding tickets or report accidents. Simply by driving safely and legally, you will eliminate that part of the equation.

By the same token, drivers who are reckless on the road are almost guaranteed higher insurance premiums.

Car insurance can be tricky business if you don’t take the time to ask questions and compare policies.

In other words, you want to compare the same amount of coverage for the same driver and the same car all across the board.

What car insurance discounts are there?

Even if your driving record isn’t stellar, there are many discounts out there to help bring down your rates. A few of the more common discounts are:

  • Good student
  • Multi-car or multi-policy
  • Defensive driving course
  • Car safety features
  • E-billing
  • Military and occupational

Each company offers different discounts so be sure to ask about any discounts you may be eligible for.

Village Auto Insurance Company in Georgia

Village Auto Insurance Company is different from the general idea of the village insurance company. This is a specific company, Village Auto Insurance in GA.

Who is Village Auto Insurance in Georgia?

Village Auto Insurance changed its name to First Acceptance Insurance Company of Georgia in 2006. Because of this, it is hard to find Village Auto Insurance reviews. There does seem to be an issue with their customer service, though.  Poor reviews can easily land a company on the list of worst car insurance companies in Georgia.

What is the Village Auto Insurance company number?

Since the company is now Acceptance Insurance, the Village Auto Insurance customer service number is the same. The main Village Auto Insurance, GA phone number is 800.321.0899. The Village Auto Insurance phone number for quotes is 866.803.3374.

Since companies offer different coverages at different rates, it’s important that you shop around for your car insurance. Enter your ZIP code to see FREE car insurance quotes from multiple local village companies!

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Frequently Asked Questions

Below are some common questions about car insurance companies.

Is Good2Go auto insurance legit?

Yes, the company has a good Better Business Bureau rating and offers coverage in most states. However, be cautious as they have bad customer reviews. They are unlikely to show up on the list of best car insurance 2020. Make sure you do your research.

Who is First Acceptance Insurance Company Nashville TN?

First Acceptance Insurance, now Acceptance Insurance, is based in Tennessee and offers insurance across the country. Acceptance Insurance claims may be filed online or by phone. The Acceptance Insurance phone number for claims is 800.779.2103, the same as the Village Auto Insurance claims number. 

They offer car insurance to high-risk drivers who may have a hard time finding coverage elsewhere.

Who owns CURE auto insurance?

Citizens United Reciprocal Exchange, CURE, is a non-profit exchange car insurance company. It was created in the 1980s to provide affordable coverage to people who may have factors that cause higher rates, like less education and no homeownership. Instead, it bases rates on driving history and habits.

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