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02/25/2016
By: C C.
Jessica Bryant Baggarley - State Farm Insurance Agent
Who hasn't gotten frustrated over the years with insurance agents who don't get things right, or don't return phone calls? If you are as old as I am, you have had that experience more than once! After speaking with Jessica Baggarley, I know this woman knows what she is doing. Even better, she listens and CARES! If you want a better experience, do what I did, talk to this agent.
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09/20/2016
By: Jade M.
Old Dominion Insurance & Financial Services, Inc.
Don and his staff at Old Dominion Insurance & Financial Services experience compared to others we have worked with is head and shoulders above.
03/16/2017
By: Stephanie G.
Old Dominion Insurance & Financial Services, Inc.
My overall experience working with Old Dominion Insurance & Financial Services was good. They gave explanations that were easy to understand.
04/18/2016
By: Larry H.
Old Dominion Insurance & Financial Services, Inc.
I will continue to use Don and his services at Old Dominion Insurance. I retained him as my adviser and look forward to investment meetings.
05/16/2016
By: Denise D.
Old Dominion Insurance & Financial Services, Inc.
Old Dominion has excellent customer service. They always follow up with their clients. Don does what he says he is going to do!
02/03/2017
By: Mary beth S.
Old Dominion Insurance & Financial Services, Inc.
Don Unger at Old Dominion Investment & Retirement Advisors does a nice job with his clients and great follow up service.
08/22/2016
By: Sammy I.
Old Dominion Insurance & Financial Services, Inc.
Don will listen to your needs and assemble a group of offerings to assist you in meeting your goals. Great service!
06/10/2016
By: Jack C.
Old Dominion Insurance & Financial Services, Inc.
I would recommend Old Dominion Insurance & Financial Services to anyone who is looking for a new financial adviser.
01/05/2017
By: Lisa K.
Old Dominion Insurance & Financial Services, Inc.
Old Dominion Investment & Retirement Advisors has been looking out for my interests successfully for two years.
07/29/2016
By: Mary S.
Old Dominion Insurance & Financial Services, Inc.
Don from Old Dominion Insurance is always patient and gives me answers right away and seems so knowledgeable.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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