Thinking about switching to save? It might not be necessary. You can often lower your costs by exploring discounts available within your current NNINS policy. We’re proud to reward our members with better rates for safe driving, solid insurance history, and multiple policies in the same household.
We also look for ways to help Virginians save on the unique risks they face. Because we live and work here too, we understand local challenges—like the fact that Virginia frequently ranks among the top 10 states for deer collisions. At NNINS, deer collisions are treated as no-fault claims on our auto policies, which can help members manage costs during the fall, when deer-related accidents are harder to avoid.
At the same time, we know that the lowest price is not always the right choice if it means sacrificing important coverage or financial protection. That is why we partner with independent insurance agents who live and work in the communities they serve. They take the time to understand your needs and help you find coverage—and savings—that fit your life.
We take a big-picture approach to protecting your family. Your insurance portfolio may include car insurance, homeowners or renters insurance, and even personal umbrella coverage. By reviewing all your assets and coverage needs together, you can choose a combination of protection that truly fits your household. That is why we structure our pricing to especially reward members who carry two or more policies with us.
When you purchase NNINS policies within 60 days of each other, you receive a 25% discount on your car insurance when you have an existing homeowners policy, or a 15% discount when you have an existing renters or condo policy. In addition, you get an extra 10% off your homeowners, renters, or condo insurance when it is bundled with that auto policy.
You can also qualify for an additional 5% credit for an umbrella insurance policy. Umbrella insurance can protect you with extra liability coverage for you and your family members after your home, renters, and auto policy limits tap out, up to $1,000,000.
One of our most valuable savings opportunities comes when you add our Homeowners Enhancement Endorsement to your home insurance. For a nominal additional amount per year, this endorsement adds important protection you typically will not find in standard Virginia homeowners policies, including:
Financial protection in our connected world is even more important than ever. Check out our cyber protection for less yearly premium than a dinner out for the family. With NNINS Home Insurance, you pay a bit extra annually for extra protection for identity theft and cyber extortion expenses, data breach costs, cyberbullying expenses, and legal reimbursement for cybercrimes against you and your family.
Deductibles are the portion of a covered loss you pay out of pocket when you file a claim. Choosing a higher deductible means you will pay more if you have a claim, but you can lower your premium and potentially save money over time. Because of this tradeoff, higher deductibles work best when they are part of a thoughtful financial plan and you have savings set aside to cover that amount if needed. If you go a full policy term without filing a claim, those reduced premiums can add up to meaningful month-to-month savings. Talk with your local independent agent before adjusting your deductibles so you can find a level that fits both your coverage needs and your budget.
We’re committed to helping our members enjoy meaningful savings. You can earn discounts for new homes, for installing protective devices such as smoke detectors, deadbolts, and alarm systems, and even receive 5% off for maintaining a smoke-free home. We also recognize and reward long-term loyalty. After two years with NNINS, you receive a 5% discount when you renew your policy—and that savings continues every year you remain a member.
Here’s one time you won't mind those birthday candles chasing you past 50! Our mature member discount gives you an extra 5% off your homeowners insurance and renters insurance premium. We also have a senior discount for drivers over 55 who complete an approved driver improvement course.
That's not all for our car insurance discounts. Your policy could also qualify for discounts for a good student, anti-theft device, and safety equipment or Advanced Driver Assistance System (ADAS). We also give multiple car discounts on one policy, which can really add up for bigger families.
Your local independent agent is one of your best resources for finding home and car insurance discounts. Think of them as your personal insurance shopper. Instead of being tied to one company, they work with a network of carriers and compare options for you. They represent your interests—not the insurer’s—listening carefully and looking for coverage and discounts that match your needs and budget. They can also identify potential savings on your new or existing NNINS home or car insurance policy. It may take a little more time than getting an online quote, but the expert guidance and meaningful long-term savings will be well worth it.
Learn more about homeowners insurance in Virginia >
Learn more about car insurance in Virginia
Learn more about umbrella insurance
THE NORTHERN NECK INSURANCE INTEGRITY PROMISE — We pledge to provide straight talk and good counsel from our NNINS Virginia insurance experts through our blog. While we hope you find this to be a helpful source of information, it does not replace the guidance of a licensed insurance professional, nor does it modify the terms of your Northern Neck Insurance policy in any way. All insurance products are governed by the terms in the applicable insurance policy.