Do you want low-cost Dodge Ram insurance in Norfolk? Overpriced auto insurance in Norfolk can consume your savings and force you to prioritize other expenses. Comparison shopping is an excellent way to slash your bill and have more diposable income.

Insurance for Dodge RamAstonishing but true, the vast majority of drivers have bought auto insurance from the same company for at least the last four years, and nearly the majority have never shopped around. Most drivers in Norfolk can save nearly 45% each year by just comparing rate quotes, but they just don't understand the amount of money they would save if they switch to a new company.

Due to the fact that there are so many options for buying cheaper insurance for a Dodge Ram in Norfolk, it can be diffult for people to locate the cheapest auto insurance provider.

It's a good habit to shop coverage around yearly due to the fact that insurance prices trend upward over time. Even if you got the lowest price on Dodge Ram insurance in Norfolk at your last renewal other companies may now be cheaper. Ignore everything you know about auto insurance because we're going to demonstrate one of the easiest ways to lower your rates without sacrificing coverage.

Save a ton by applying these six discounts

Insurance can be pricey, but there are discounts available that can dramatically reduce your bill. Some of these disounts will be visible when you get a quote, but some must be asked for prior to receiving the credit. If you do not double check each discount available, you could be paying more than you need to.Cheaper insurance with discounts

Just know that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you could get a free insurance policy, insurance companies wouldn't stay in business.

To see a list of insurance companies with discount insurance rates in Virginia, click here to view.

Most major insurance companies provide prices for coverage on their websites. The process is pretty painless as you simply enter your coverage preferences into the quote form. Upon sending the form, the quote system sends out for your driving and credit reports and returns pricing information. Getting online price quotes for Dodge Ram insurance in Norfolk makes it a lot easier to compare rates and it's very important to perform this step in order to find the cheapest price possible.

If you want to find out what other companies charge, compare rates from the companies below. If you have coverage now, it's recommended you duplicate the limits and deductibles identical to your current policy. This makes sure you will get comparison quotes for exact coverage.

The auto insurance companies shown below can provide free rate quotes in Virginia. If the list has multiple companies, we recommend you compare several of them in order to find the most competitive rates.

Are insurance agents used anymore?

Many people just prefer to get advice from a local agent. The best thing about price shopping on the web is that you can obtain lower car insurance rates and also buy local. And supporting local agents is important especially in Norfolk.

Insurance agents in NorfolkFor easy comparison, once you complete this quick form, your insurance coverage information is emailed to companies in Norfolk who will give competitive quotes for your insurance coverage. There is no need to leave your house since price quotes are sent directly to you. You can find lower rates without having to waste a lot of time. In the event you want to get a price quote from one company in particular, you would need to find their quoting web page and fill out the quote form the provide.

If you're trying to find a local Norfolk insurance agent, you need to know there are two types of insurance agents and how they are slightly different. Auto insurance agents are categorized either exclusive or independent.

Independent Auto Insurance Agencies

Agents of this type are not employed by one company so they have the ability to put coverage with multiple insurance companies and help determine which has the cheapest rates. If prices rise, your agent can switch companies and you won't have to switch agencies. When searching for an agent, we recommend you include rate quotes from a few independent agents to have the most options to choose from.

The following are Norfolk independent insurance agents that may be able to provide cheap rate quotes.


8401 Hampton Blvd - Norfolk, VA 23505 - (757) 489-4822 - View Map

Sanibel and Lancaster Insurance
3500 E Virginia Beach Blvd #219 - Norfolk, VA 23502 - (757) 263-4445 - View Map


954 W 21st St - Norfolk, VA 23517 - (757) 622-6746 - View Map

More Norfolk agents

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive can only place business with one company and examples are Farmers Insurance, State Farm, or Allstate. They generally cannot compare other company's rates so they have to upsell other benefits. These agents receive extensive training on their company's products which helps them sell on service rather than price.

The following are Norfolk exclusive agencies that can give you rate quotes.


1529 International Blvd #101 - Norfolk, VA 23513 - (757) 351-3335 - View Map


870 N Military Hwy #200 - Norfolk, VA 23502 - (757) 853-7410 - View Map


5750 Chesapeake Blvd #309 - Norfolk, VA 23513 - (757) 842-9039 - View Map

More Norfolk agents

Finding the right car insurance agent is decision based upon more than just a cheap quote. These questions are important to ask:

Car insurance policy specifics

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages available from car insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. This coverage pays for injuries sustained by your vehicle's occupants as well as damage to your Dodge Ram.

Due to the fact that many Virginia drivers only purchase the least amount of liability that is required (Virginia limits are 25/50/20), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like chiropractic care, nursing services, prosthetic devices, surgery and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/20 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $20,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like repair bills for other people's vehicles, loss of income, attorney fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible. Virginia requires minimum liability limits of 25/50/20 but it's recommended drivers buy more liability than the minimum.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible on your Ram in order to get cheaper collision rates.

In the end, you can save money

You just learned a lot of tips how to shop for Dodge Ram insurance online. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest Dodge Ram rate quotes. You may even be surprised to find that the biggest savings come from a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

Budget-friendly insurance in Norfolk is possible both online and also from your neighborhood Norfolk agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not offer rates over the internet and many times these smaller providers work with local independent agencies.

When you buy Norfolk car insurance online, make sure you don't reduce coverage to reduce premium. Too many times, an insured dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The goal is to buy the best coverage you can find at the best price while still protecting your assets.

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