Want to learn how to buy the cheapest car insurance rates in Petersburg, VA? Pretty sure you bought high-priced car insurance? You're preaching to the choir because many Petersburg consumers feel financially strained by their car insurance policy.

Unfortunately, the majority of drivers have remained with the same car insurance company for at least four years, and practically 40% of car insurance customers have never even shopped around for cheaper coverage. Petersburg drivers could pocket almost 45% a year by just comparing rate quotes, but they won't spend time to do a rate comparison.

Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurance companies to get the best rates possible on car insurance.

It's a great practice to get comparison quotes periodically because prices go up and down regularly. Even if you think you had the lowest rates on car insurance six months ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you're about to learn the fastest and easiest way to save money, get proper coverage and the best rates.

If you have a policy now, you should be able to buy cheaper car insurance using the tips covered below. Buying the cheapest car insurance in Petersburg is easy if you know what you're doing. Nevertheless, Virginia drivers can benefit by having an understanding of how the larger insurance companies compete online because rates are impacted by many factors.

Slash rates with these discounts

Auto insurance can be pricey, but discounts can save money and there are some available to cut the cost considerably. Many discounts should be triggered at the time you complete a quote, but lesser-known reductions have to be requested specifically before they will apply.Auto insurance discounts

Don't be surprised that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you won't be that lucky.

A partial list of companies who might offer these money-saving discounts include:

Check with each insurance company how you can save money. Depending on the company, some discounts may not be available in your area. If you would like to see a list of insurance companies offering auto insurance discounts in Petersburg, click here.

Most larger insurance companies allow consumers to get coverage prices online. The process is quite easy as you just enter the coverage amounts you desire on the page. When complete, the quote system gets reports for credit and driving violations and returns a price quote determined by many factors. Getting online rates makes it a lot easier to compare rates and it's absolutely necessary to get many rate quotes in order to find the lowest payment possible.

To fill out one form to compare multiple rates now, compare rates now from the companies shown below. If you have a policy now, it's recommended you type in your coverages exactly as shown on your declarations page. This ensures you will get a fair comparison for the exact same coverage.

The following companies are ready to provide price quotes in Virginia. If the list has multiple companies, we recommend you compare several of them to get the cheapest price.

Insurance Rates for Popular Vehicles in Petersburg
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $790 $395 $66
Chevrolet Silverado Crew Cab Hybrid 4WD $822 $411 $69
Dodge Ram Quad Cab ST 4WD $652 $326 $54
Ford Escape XLS 4WD $652 $326 $54
Ford Explorer XLT AWD $926 $463 $77
Ford F-150 Lariat Super Cab 4WD $1,030 $515 $86
Ford Focus SES 2-Dr Coupe $1,002 $501 $84
Honda Accord LX-S 2-Dr Coupe $1,018 $509 $85
Honda CR-V LX 4WD $652 $326 $54
Honda Civic LX 4-Dr Sedan $950 $475 $79
Honda Odyssey EX-L W/Rear Entertainment $628 $314 $52
Hyundai Elantra SE Touring Station Wagon $798 $399 $67
Jeep Wrangler Sport 4WD 2-Dr $594 $297 $50
Mazda 3 I SV 4-Dr Sedan $850 $425 $71
Nissan Altima 2.5 4-Dr Sedan $676 $338 $56
Nissan Rogue S AWD $946 $473 $79
Toyota Camry XLE $720 $360 $60
Toyota Corolla S $944 $472 $79
Toyota Tacoma Double Cab 4WD $886 $443 $74
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific location information which can raise or lower auto insurance rates significantly.

Impact of citations and accidents on Petersburg insurance rates

The diagram below illustrates how speeding tickets and accidents can influence Toyota Camry premium costs for different age groups of insureds. The premiums are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

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

Gender-based car insurance rates

The example below illustrates the comparison of car insurance costs for male and female drivers in Petersburg. The costs are based on no claims or violations, full physical damage coverage, $100 deductibles, single marital status, and no other discounts are factored in on a Nissan Sentra 2.0 SL.

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

Why you might pay higher rates in Petersburg

An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating your premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The factors shown below are some of the things used by your company to calculate prices.

What if I want to buy from local Petersburg car insurance agents?

A lot of people still prefer to get professional advice from a licensed agent and that is a smart decision A nice benefit of price shopping on the web is that drivers can save money and get cheaper rates but also keep your business local.

For easy comparison, once you complete this form (opens in new window), your coverage information is emailed to local insurance agents in Petersburg who will give you quotes to get your business. You never need to drive around as quotes are delivered to you directly. You can most likely find cheaper rates without having to waste a lot of time. If you need to quote rates from a specific company, feel free to navigate to their website to submit a rate quote request.

Deciding on a company requires more thought than just a cheap price. Ask your prospective agent these questions:

When looking for a local insurance agency, it's helpful to know the different agency structures that differ in how they can insure your vehicles. Agencies in Petersburg are categorized either exclusive agents or independent agents.

Exclusive Insurance Agents

Agents that choose to be exclusive write business for a single company such as Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. Exclusive insurance agents are usually well trained on their company's products and that enables them to sell even at higher rates.

Independent Insurance Agencies

Agents that elect to be independent are not locked into one company so they can quote policies with an assortment of companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and the insured can keep the same agent.

If you are comparing insurance prices, you definitely need to include price quotes from at least one independent agent to get the best comparison.

Car insurance does more than just protect your car

Despite the fact that car insurance is not cheap in Petersburg, maintaining insurance serves an important purpose.

The benefits of buying enough insurance greatly outweigh the cost, particularly for liability claims. The average driver in America overpays more than $700 annually so we recommend shopping around at least once a year to be sure current rates are still competitive.

In Summary

Cheap insurance in Petersburg can be sourced both online and from local agencies, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not offer the ability to get quotes online and usually these small insurance companies sell through independent insurance agents.

When you buy Petersburg car insurance online, do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best possible price.

Additional detailed information can be found in the articles below: