Payless Insurance has locations in Richmond, Petersburg, Portsmouth and Virginia Beach. There is never credit scoring. Free rate quote with no obligation. Affordable rates, great discounts, flexible payment plans and coverage available by PHONE! Personal and Commercial.Tickets, DUI, SR-22, FR-44, Bad Credit, Suspended License and cancellations. Coverage for Auto, Limo, Taxi, Para-Transit, Motorcycle, Mobile Home, Homeowners, Renters. accepting Mastercard, American Express, Visa and Discover.