Are you looking for cheaper car insurance rates in Colonial Heights, VA? Trying to come up with a payment for expensive car insurance can draw down your family's budget and force you to make sacrifices. Performing a price comparison is a smart way to slash your bill and have more diposable income.

Astonishing but true, the vast majority of drivers kept their policy with the same company for a minimum of four years, and practically 40% of car insurance customers have never quoted rates to find cheap coverage. Most drivers in the United States could pocket roughly $860 a year just by comparing rates, but they don't know the rate savings if they just switched companies.

With consumers having so many different company options, it can be impossible to pick the lowest price insurance company.

Why your price might be higher

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that come into play when calculating your premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that could help you find big savings. Many things are used in the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, although others are not quite as obvious such as your credit history or your financial responsibility.

The following are just a few of the factors used by your company to calculate your premiums.

Type of car determines base prices - The performance of the vehicle you are insuring makes a significant difference in your premium level. Lower cost passenger cars usually are quite affordable to insure, but the final cost of insurance is determined by many other factors.

Better auto insurance rates on cars with good safety ratings - Safe vehicles cost less to insure. Highly rated vehicles help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies which can result in lower premiums. If your car or truck earned at least four stars on it may be receiving lower rates.

Safeguard your assets with liability insurance - The liability coverage on your policy is the coverage that protects you in the event that you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap compared to comp and collision, so insureds should have plenty of protection for their assets.

Getting married reduces risk - Having a significant other can actually save you money on your policy. Having a significant other is viewed as being more stable financially and it's statistically proven that married drivers tend to file fewer claims.

Insurance is expensive for teen drivers - Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents, and receive fewer citations.Youthful drivers have a tendency to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates.

Better drivers pay the best rates - How you drive has a lot to do with how much you pay for insurance. Careful drivers get better rates as compared to those with violations. Having a single speeding ticket may increase your cost by as much as thirty percent. Drivers unfortunate enough to have dangerous tickets such as reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive.

Low coverage deductibles mean high premiums - Insurance for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some coverage claims could be collision with another vehicle, flood damage, or theft. The deductibles define the amount you are willing to pay out-of-pocket if a claim is determined to be covered. The more expense the insured is willing to pay, the bigger discount you will receive.

Theft deterrents save - Driving a car with a theft deterrent system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft.

Keep in mind that comparing all the rates in your area will improve the odds of getting lower pricing.

The car insurance companies shown below can provide free rate quotes in Colonial Heights, VA. If multiple companies are shown, we recommend you visit two to three different companies to get the most competitive price.

Insurance Rates for Popular Vehicles in Colonial Heights
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $770 $385 $64
Chevrolet Silverado LT Extended Cab 2WD $922 $461 $77
Dodge Ram Crew Cab SLT 4WD $1,066 $533 $89
Ford Escape XLS 4WD $574 $287 $48
Ford Explorer Limited 4WD $778 $389 $65
Ford F-150 XL Super Cab 2WD $840 $420 $70
Ford Focus S 4-Dr Sedan $654 $327 $55
Ford Fusion Hybrid 4-Dr Sedan $1,272 $636 $106
Honda Accord EX 4-Dr Sedan $742 $371 $62
Honda CR-V EX 4WD $700 $350 $58
Honda Civic Hybrid 4-Dr Sedan $1,108 $554 $92
Hyundai Elantra Blue 4-Dr Sedan $1,020 $510 $85
Jeep Grand Cherokee Limited 2WD $640 $320 $53
Nissan Altima 3.5 SR 4-Dr Sedan $864 $432 $72
Nissan Rogue SL 2WD $728 $364 $61
Toyota Camry LE $984 $492 $82
Toyota Corolla LE $1,078 $539 $90
Toyota Prius $758 $379 $63
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can impact price quotes substantially.

Physical damage deductible comparison

The chart below highlights how deductible choice and can impact Nissan Sentra insurance prices for each different age category. The data assumes a married female driver, full physical damage coverage, and no other discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Male drivers versus female drivers

The information below shows the comparison of insurance costs for male and female drivers in Colonial Heights. The rates are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no other discounts are factored in on a Ford Focus SES.

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

Deductible analysis

The hardest decision when buying coverage is which deductibles should you choose. The following tables can help you understand the rate differences when you select higher and lower comp and collision deductibles. The first table uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $192 $328 $258 $16 $78 $897 $75
Acadia SL AWD $222 $328 $258 $16 $78 $927 $77
Acadia SLE 2WD $222 $328 $258 $16 $78 $927 $77
Acadia SLE AWD $222 $400 $258 $16 $78 $999 $83
Acadia SLT 2WD $222 $400 $258 $16 $78 $999 $83
Acadia SLT AWD $250 $400 $258 $16 $78 $1,027 $86
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GMC Acadia insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $140 $222 $258 $16 $78 $714 $60
Acadia SL AWD $162 $222 $258 $16 $78 $736 $61
Acadia SLE 2WD $162 $222 $258 $16 $78 $736 $61
Acadia SLE AWD $162 $270 $258 $16 $78 $784 $65
Acadia SLT 2WD $162 $270 $258 $16 $78 $784 $65
Acadia SLT AWD $182 $270 $258 $16 $78 $804 $67
Get a Quote for Your Vehicle Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in Colonial Heights location which can impact coverage rates significantly.

We can derive from the above data that using a $100 deductible will cost you approximately $17 more each month or $204 every year than quoting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 24 months between claims, you would come out ahead by going with a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $80
Average monthly premium for $500 deductibles (subtract): - $63
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

An important thing to remember is that increasing deductibles to save money results in a higher out-of-pocket expense at claim time. You need some non-essential savings in order to pay the higher deductible.

Are you falling for claims of savings?

Popular car insurance providers such as State Farm and Allstate seem to constantly run television and radio advertisements. All the companies advertise claims about saving some big amount after switching your car insurance policy to them. That's great but how can every company charge you less for auto insurance? Here is how they do it.

Companies provide the lowest rates for the type of insured that is profitable for them. An example of a desirable insured might be described as a married male, carries full coverage, and the vehicle is rated for pleasure use. A customer that hits that "sweet spot" will most likely get cheap premium rates and therefore will save when they switch companies.

Drivers who don't qualify for the "perfect" profile will be quoted a higher premium which usually ends up with business going elsewhere. The trick is to say "customers that switch" not "everyone who quotes" will save that much if they switch. That's the way companies can truthfully claim big savings. This really drives home the point why you absolutely need to compare as many free Colonial Heights auto insurance quotes as you can. Because you cannot predict the company that will provide the lowest car insurance in Colonial Heights.

Auto insurance is an important decision

Even though rates can get expensive, buying auto insurance is required for several reasons.

First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage if you drive a vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if your car has a lienholder, it's guaranteed your bank will stipulate that you buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your vehicle at a more expensive rate and require you to pay the higher price.

Third, insurance protects not only your vehicle but also your financial assets. It will also pay for medical bills that are the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you have damage to your vehicle as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance are without a doubt worth the cost, specifically if you ever have a liability claim. Today the average American driver is currently overpaying as much as $700 annually so we recommend shopping around at least once a year to save money.

Get cheap rates by getting discounts

Car insurance is not cheap nor is it fun to buy but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but some discounts are required to be inquired about in order for you to get them.Car insurance discounts

Don't be surprised that most discounts do not apply to the whole policy. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you aren't that lucky.

Popular car insurance companies and a selection of discounts include:

It's a good idea to ask every insurance company to apply every possible discount. Some discounts listed above may not apply to policyholders in your state.

Buying from insurance agents

Some consumers still prefer to visit with an insurance agent and that is a personal choice. The biggest benefit of comparing rate quotes online is that drivers can save money and get lower rates but also keep your business local.

To make it easy to find an agent, after completing this simple form, your coverage information is transmitted to local insurance agents in Colonial Heights who want to provide quotes to get your business. You don't have to drive around because prices are sent immediately to your email address. You can most likely find cheaper rates without the usual hassles of price shopping. If you need to compare prices from one company in particular, feel free to navigate to their website and give them your coverage information.

Finding the right insurance company requires more thought than just a cheap price quote. The answers to these questions are important, too.

Is an exclusive or independent car insurance agent right for you?

If you're trying to find a local agent, it helps to know the two types of agencies and how they can quote your rates. Insurance agencies can be described as either exclusive agents or independent agents.

Exclusive Agents

These type of agents can only provide pricing for a single company and some examples include Farmers Insurance and State Farm. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are well trained on their company's products which can be an advantage.

Independent Agents

Independent agencies are not restricted to one company and that is an advantage because they can write policies through many companies depending on which coverage is best. If they quote lower rates, they simply switch companies in-house and you can keep the same agent.

If you need lower rates, you absolutely need to contact a couple of independent agencies to get the best comparison.

Your insurance coverage should be tailored to you

Keep in mind that when it comes to choosing proper insurance coverage, there is no one-size-fits-all type of policy. You are unique.Safe vehicles cost less to insure

These are some specific questions may help you determine if your situation might need an agent's assistance.

If you can't answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance claim statistics

Are you driving a vehicle with a high chance of a claim? The statistics tables below list the best and worst makes and models for the probability of filing claims organized by coverage.

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
GMC Sierra 2500 Audi S7
Nissan Leaf Porsche Panamera GTS
Ford F-350 Maserati Quattroporte
Chevy Spark BMW M6
Nissan Xterra Bentley Continental GT
Volvo V60 Mercedes-Benz S Class

Statistics from for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Kia Optima
Acura MDX Dodge Charger
Volvo XC60 Mitsubishi Lancer
Subaru Outback Mitsubishi Mirage
Audi A6 Chrysler 200
Fiat 500 Kia Rio

Statistics from for 2013-2015 Model Years

Lowest and Highest Medical Payment Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 SuperCrew Chevrolet Sonic
Audi A4 Allroad Nissan Sentra
Chevrolet Silverado 2500 Mitsubishi Lancer
Chevrolet Silverado 3500 Chrysler 200
Land Rover Range Rover Sport Chevrolet Spark
Tesla Model S Mitsubishi Mirage

Statistics from for 2013-2015 Model Years

Vehicles with the Lowest and Highest Car Insurance Collision Claims
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew BMW M6
Nissan Xterra Ferrari 458
Ford F-250 SuperCab Bentley Continental Flying Spur
GMC Canyon BMW 6 Series
Smart ForTwo Audi RS7
Chevrolet Colorado Nissan GT-R

Statistics from for 2013-2015 Model Years

In the end, you can save money

Cheap car insurance in Colonial Heights is available both online and from local agencies, so you should compare both to have the best selection. Some car insurance companies don't offer the ability to get a quote online and usually these regional insurance providers only sell through independent agents.

We just showed you quite a bit of information on how to compare car insurance rates in Colonial Heights. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the smallest insurance companies.

People change insurance companies for a variety of reasons including poor customer service, not issuing a premium refund, delays in paying claims or high prices. Regardless of your reason, finding a new company is easier than you think.

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