If you're searching for more affordable insurance online, do you get confused by the dozens of insurance companies in your area? Virginia drivers have such a large number of options that it is a big hassle to find better premium rates. Chesapeake is a good city to live in, but expensive insurance rates makes it difficult to buy proper levels of coverage.

It's hard to believe, but the vast majority of consumers kept buying from the same company for at least four years, and almost half have never compared quotes from other companies. American drivers can save hundreds of dollars each year just by comparing rates, but they don't believe how much savings they would realize if they just switched companies.

We hope to tell you how to effectively get price quotes. If you have insurance now, you will definitely be able to buy cheaper insurance using the concepts covered in this article. But Virginia consumers must comprehend the methods companies use to market insurance on the web because it can help you find the best coverage.

Four things that influence your rates

Consumers need to have an understanding of the factors that help determine your premiums. If you know what determines base rates, this allows you to make educated decisions that can earn you better insurance rates.

Listed below are some of the factors used by insurance companies to determine prices.

When shopping for cheaper Chesapeake auto insurance quotes, there are a couple of ways of comparing price quotes from companies that offer insurance in Virginia. The fastest way to find the lowest rates is to perform an online rate comparison.

When price shopping your coverage, comparing a wide range of rates helps improve the odds of finding the best price. Some regional insurers cannot provide rate quotes online, so you should also compare prices on coverage from those companies, too.

The companies in the list below are ready to provide comparison quotes in Chesapeake, VA. If multiple companies are shown, we suggest you click on several of them in order to find the most affordable rates.

Insurance Rates for Popular Vehicles in Chesapeake
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $670 $335 $56
Chevrolet Silverado LT Crew Cab 2WD $780 $390 $65
Dodge Ram Quad Cab Sport 4WD $1,298 $649 $108
Ford Escape XLS 2WD $768 $384 $64
Ford F-150 XLT Crew Cab 4WD $902 $451 $75
Ford Focus SE 4-Dr Sedan $660 $330 $55
GMC Sierra SLE Regular Cab 4WD $960 $480 $80
Honda Accord EX-L 4-Dr Sedan $852 $426 $71
Honda CR-V EX 2WD $606 $303 $51
Honda Civic EX-L 4-Dr Sedan $1,004 $502 $84
Hyundai Elantra Blue 4-Dr Sedan $702 $351 $59
Jeep Wrangler Sport Islander Package 4WD 2-Dr $752 $376 $63
Kia Optima SX $872 $436 $73
Mazda 3 I SV 4-Dr Sedan $1,022 $511 $85
Nissan Altima 2.5 S 2-Dr Coupe $1,152 $576 $96
Toyota Camry Hybrid $976 $488 $81
Toyota Corolla S $732 $366 $61
Get Your Own Custom Quote Go

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in vehicle location which can decrease or increase premium rates substantially.

Car insurance prices based on gender

The diagram below illustrates the comparison of annual premium costs for male and female drivers in Chesapeake. The rates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration on a GMC Acadia SL.

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

Accidents and violations increase rates

The chart below highlights how traffic violations and at-fault claims influence GMC Acadia premium costs for each different age category. Data assumes a married male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

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

Ads can be misleading

Big name companies like 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to advertise the message that drivers can save some big amount if you switch your coverage. How does every insurance company say the same thing? It's all in the words they use.

All the different companies give the cheapest rates for a prospective insured that will not have excessive claims. For instance, a driver they prefer may need to be married and over the age of 30, has no claims, and the vehicle is rated for pleasure use. A customer getting a price quote that hits that "sweet spot" will get a cheap rate quote in Chesapeake and therefore will cut their rates substantially.

Potential insureds who do not meet those criteria will see higher rates with the end result being the customer not purchasing. The wording the ads use say "people that switch" not "all people who quote" save money. That's why insurance companies can make claims like that.

Because every company is different, you should quote coverage with many companies. It's impossible to know which insurance companies will give you the biggest savings.

Auto insurance is not optional but you don't have to overpay

Despite the high cost of buying insurance in Chesapeake, insurance is required by state law in Virginia and it also provides benefits you may not be aware of.

The benefits of carrying enough insurance definitely exceed the price paid, particularly for liability claims. An average driver in America is wasting up to $865 each year so it's recommended you shop around at every renewal to ensure rates are competitive.

Don't neglect these price cutting discounts

Car insurance is not cheap, but you may be missing some discounts to reduce the price significantly. A few discounts will automatically apply at quote time, but some may not be applied and must be inquired about prior to getting the savings.Discount car insurance

We need to note that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, companies wouldn't make money that way. But any discount will reduce the cost of coverage.

Larger car insurance companies and the discounts they provide are shown below.

When getting a coverage quote, ask all the companies how many discounts you can get. Discounts might not be available to policyholders in every state. To find car insurance companies with the best car insurance discounts in Chesapeake, follow this link.

Local Chesapeake auto insurance agents and auto insurance

Many drivers prefer to get professional advice from a licensed agent and often times that is recommended The best thing about comparing rate quotes online is the fact that drivers can get cheap auto insurance quotes and still buy from a local agent. Putting coverage with local agencies is important particularly in Chesapeake.

Insurance agents in ChesapeakeAfter filling out this short form, the quote information gets sent to local insurance agents who will give you quotes for your coverage. It's much easier because you don't need to drive around since rate quotes are delivered to you. Get lower rates and work with a local agent. If you need to get a price quote from a specific company, you can always go to their quote page and give them your coverage information.

If you are wanting to find a reputable insurance agent or broker, you must know there are a couple types of insurance agents and how they differ in how they can insure your vehicles. Auto insurance agents can be categorized as either independent or exclusive depending on the company they work for.

Independent Agents

These type of agents are not employed by one company and that enables them to quote your coverage amongst many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they can switch companies in-house and you don't have to do anything. If you are comparing rate quotes, you need to contact a few independent agents so that you have a good selection of quotes to compare. They often place coverage with additional companies that you may not be familiar with which could offer lower prices.

Listed below are independent insurance agents in Chesapeake that may be able to give you free rate quotes.

View more agents

Exclusive Auto Insurance Agencies

Exclusive insurance agents can usually just insure with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot provide other company's prices so it's a take it or leave it situation. These agents receive extensive training on their company's products and that enables them to sell even at higher rates. Drivers often buy insurance from these agents mainly due to high brand loyalty rather than low rates.

The following is a short list of exclusive insurance agents in Chesapeake that are able to give rate quotes.

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Finding a good insurance agent requires you to look at more than just the quoted price. Here are some questions you might want to ask.

What insurance coverages do I need?

Always keep in mind that when comparing your policy for your personal vehicles, there really isn't a "best" method to buy coverage. You are unique so this has to be addressed.Safe vehicles cost less to insure These are some specific questions can aid in determining whether or not you might need professional guidance.

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance claims by make and model

Which vehicles statistically have the most claims? The next tables show the highest and lowest vehicle models for the probability of having to file claims for each type of coverage.

Medical Payment Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Mitsubishi Lancer
Audi A4 Allroad Chrysler 200
Chevrolet Silverado 3500 Dodge Charger
Land Rover Range Rover Sport Kia Forte
Chevrolet Corvette Nissan Sentra
Tesla Model S Chevrolet Spark

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

Liability Insurance Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Cruze
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Impala
Fiat 500 Kia Rio
Subaru Outback Chrysler 200
Audi A6 Chevrolet Sonic

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

Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Nissan Leaf Bentley Continental GT
Smart ForTwo Maserati Quattroporte
Nissan Xterra BMW M6
Ford F-350 BMW M6
Chevy Silverado 2500 Maserati Granturismo
Chevy Spark Bentley Continental GTC

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

Collision Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-250 SuperCab Ferrari 458
Mini Cooper Bently Continental GTC
Ford Edge Maserati Granturismo
Smart ForTwo BMW 6 Series
Ford F-150 SuperCrew Audi RS7
GMC Canyon Bentley Continental Flying Spur

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

Quote more and you will save more

In this article, we presented quite a bit of information on how to get a better price on car insurance in Chesapeake. It's most important to understand that the more rate quotes you have, the higher your chance of finding low cost Chesapeake auto insurance quotes. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company. These companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

When shopping online for car insurance, make sure you don't skimp on critical coverages to save a buck or two. In many instances, an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

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