Do you want to save money by finding low-cost insurance rates in Vienna, VA? Feel like you're a prisoner to an expensive insurance policy? It's a common feeling and many Vienna drivers feel the same as you.

Unthinkable but true, the majority of drivers kept their policy with the same company for well over three years, and approximately 40% of consumers have never even compared rates from other companies. Many drivers in the U.S. could save almost $859 a year by just shopping around, but they don't believe the big savings they would realize if they bought a different policy.

Because you have many insurance companies to choose from, it is hard for the average consumer to choose the cheapest insurance company.

Smart consumers take time to price shop coverage yearly since insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on insurance last year there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance because you're about to learn the fastest way to find great coverage at a great price.

This article's intent is to introduce you to how car insurance works. If you have a policy now, you will be able to buy cheaper auto insurance using the concepts covered in this article. But Virginia car owners should learn the way companies determine premium rates and use it to find better rates.

The quickest method to compare rate quotes is to know the fact most of the larger companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is give them rating details such as if the car is leased, whether you are single or married, if you have a valid license, and how your vehicles are used. Your information gets sent immediately to multiple auto insurance providers and you get price estimates within a short period of time.

To compare multiple company rates now, click here and enter the information requested.

The following companies are our best choices to provide comparison quotes in Virginia. If the list has multiple companies, we recommend you get rate quotes from several of them to get the best price comparison.

Insurance Estimates for Popular Vehicles in Vienna
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $1,036 $518 $86
Dodge Ram Crew Cab Sport 2WD $940 $470 $78
Ford Edge Limited AWD $1,178 $589 $98
Ford Escape Limited 2WD $594 $297 $50
Ford F-150 Lariat Crew Cab 2WD $886 $443 $74
Ford Focus S 4-Dr Sedan $796 $398 $66
GMC Sierra SLE Regular Cab 2WD $808 $404 $67
Honda Accord EX 2-Dr Coupe $972 $486 $81
Honda CR-V LX 4WD $572 $286 $48
Honda Civic EX-L 4-Dr Sedan $866 $433 $72
Mazda 3 S Grand Touring 4-Dr Hatchback $852 $426 $71
Nissan Altima 3.5 SR 4-Dr Sedan $640 $320 $53
Nissan Rogue S AWD $728 $364 $61
Toyota Camry LE $692 $346 $58
Toyota Corolla S $906 $453 $76
Toyota Prius $834 $417 $70
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in zip code location which can modify coverage rates considerably.

Males versus Females

The chart below shows the difference between car insurance rates for male and female drivers in Vienna. The information is based on no claims or driving citations, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied on a Toyota Camry LE.

Toyota Camry rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Impact of careless driving on car insurance rates

The diagram below illustrates how violations and at-fault collisions can impact Toyota Camry annual premium costs for different ages of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Why you need vehicle insurance in Virginia

Despite the high insurance cost in Vienna, insuring your vehicle is required for several reasons.

The benefits of buying car insurance definitely exceed the price paid, particularly when you have a large claim. Unknowingly, the average driver overpays more than $865 each year so you should quote and compare rates every year to save money.

Make smart decisions and lower your rates

Many different elements are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but other criteria are less apparent such as your marital status or your vehicle rating.

The factors shown below are some of the most rate-impacting factors companies use to determine rates.

Car insurance policy discounts you can't miss

Some insurance providers don't always advertise all available discounts very well, so the list below gives a summary of both well-publicized and the more hidden discounts that you can inquire about if you buy Vienna auto insurance online.Cheaper car insurance with discounts

You can save money using discounts, but most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. Just because you may think all the discounts add up to a free policy, insurance companies wouldn't stay in business.

Some companies that may offer these benefits may include but are not limited to:

When comparing rates, check with each company which discounts they offer. Some discounts may not apply to policies in your area. To view providers who offer discounts in Vienna, click here to view.

Are insurance agents a thing of the past?

A lot of people just want to get advice from a local agent and that is not a bad decision One of the benefits of getting free rate quotes online is that you can find the best rates but still work with a licensed agent. And supporting neighborhood agents is still important in Vienna.

Insurance agency in ViennaOnce you complete this quick form, your insurance data is transmitted to local insurance agents in Vienna who will give competitive quotes and help you find cheaper coverage. There is no need to search for an agent since price quotes are sent directly to your email. You can find the lowest rates and a licensed agent to work with. If you want to compare prices from one company in particular, don't hesitate to jump over to their website and fill out the quote form the provide.

Independent or Exclusive: It's your choice

If you want to use a reputable insurance agent or broker, you must know there are a couple different types of agencies and how they work. Agencies in Vienna can be categorized as either exclusive or independent (non-exclusive).

Independent Insurance Agents

Independent agencies often have many company appointments and that gives them the ability to insure with an assortment of companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move your policy to a different company and the insured can keep the same agent. When comparing insurance rates, we recommend you include price quotes from a couple of independent agencies in order to have the best price comparison.

Exclusive Agents

Exclusive agents can usually just insure with one company such as Allstate and State Farm. They are unable to provide rate quotes from other companies so you might not find the best rates. They are usually well trained on sales techniques which helps them sell on service rather than price.

Choosing the best insurance agency shouldn't rely on just the price. These questions are important to ask:

Once you have acceptable answers to your questions and inexpensive Vienna auto insurance quotes, you may have found an insurance agent that can adequately provide insurance.

Auto insurance claims by make and model

Which vehicle models have a high chance of claims? The data below outline the good and bad vehicles for the probability of having large claims.

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevy Spark Maserati Granturismo
Volvo V60 BMW M6
Nissan Xterra Mercedes-Benz S Class
Chevy Silverado 2500 Porsche Panamera GTS
GMC Sierra 2500 Audi S7
Ford F-350 Bentley Continental GTC

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claims Highest Claims
Chevrolet Corvette Dodge Charger
Ford Expedition Mitsubishi Lancer
Tesla Model S Chevrolet Spark
Ford F-350 SuperCrew Nissan Versa
Chevrolet Silverado 3500 Chrysler 200
Audi A4 Allroad Nissan Sentra

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Mercedes-Benz SL Class Chevrolet Cruze
Audi A6 Chevrolet Impala
Chevrolet Corvette Hyndai Accent
Subaru Forester Kia Rio
Fiat 500 Dodge Charger
Volvo XC60 Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Insurance Claims
Lowest Claims Highest Claims
Smart ForTwo Maserati Ghibli
Jeep Wrangler Maserati Granturismo
Mini Cooper BMW 6 Series
Nissan Xterra Ferrari 458
Ford F-250 SuperCab Nissan GT-R
Ford Edge BMW M6

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

One last thing to lower rates

We just showed you many tips how you can compare car insurance auto insurance rates in Vienna. The key thing to remember is the more times you quote, the better likelihood of getting the cheapest Vienna auto insurance quotes. You may even be surprised to find that the biggest savings come from a company that doesn't do a lot of advertising. Some small companies may have significantly lower premium rates on certain market segments compared to the large companies like State Farm and Allstate.

Cost effective car insurance can be purchased both online and with local Vienna insurance agents, and you should compare rates from both to have the best selection. A few companies may not provide the ability to get quotes online and many times these smaller providers only sell through independent insurance agencies.

More tips and info about car insurance can be found by following these links: