Having to pay for pricey auto insurance in Herndon can deplete your budget and possibly require you to analyze your spending habits. Getting a rate comparison is a smart way to make ends meet.

It's amazing but nearly 70% of drivers kept buying from the same company for over three years, and nearly the majority have never shopped around. Many consumers in Herndon can save as much as 45% each year by just comparing quotes, but they don't know the amount of money they would save if they changed companies. Since drivers have many different company options, it's difficult to find the lowest cost auto insurance provider.

Companies offering cheap rate quotes in Virginia

The following companies have been selected to offer free quotes in Virginia. If multiple companies are listed, we suggest you click on several of them to get the most competitive price.

Insurance Rates for Popular Vehicles in Herndon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $818 $409 $68
Chevrolet Silverado LT Extended Cab 4WD $1,022 $511 $85
Dodge Grand Caravan CV $772 $386 $64
Dodge Ram Quad Cab SLT 4WD $652 $326 $54
Ford Escape XLT 4WD $704 $352 $59
Ford F-150 Lariat Crew Cab Platinum 4WD $862 $431 $72
Ford Focus SES 4-Dr Sedan $884 $442 $74
Ford Fusion Sport AWD 4-Dr Sedan $1,058 $529 $88
GMC Sierra SLE Extended Cab 4WD $1,108 $554 $92
Honda Accord EX-L 4-Dr Sedan $728 $364 $61
Honda CR-V EX 2WD $578 $289 $48
Honda Civic EX-L 4-Dr Sedan $982 $491 $82
Hyundai Sonata GLS 4-Dr Sedan $820 $410 $68
Kia Optima LX $896 $448 $75
Nissan Altima Hybrid 4-Dr Sedan $640 $320 $53
Nissan Rogue SL AWD $1,136 $568 $95
Toyota Camry LE $808 $404 $67
Toyota Corolla XLE $846 $423 $71
Toyota Tacoma Double Cab 4WD $1,104 $552 $92
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in Herndon location which can change auto insurance rates substantially.

Higher deductibles save money

When shopping for car insurance, a common question is which deductibles should you choose. The following tables show the costs and benefits when you buy lower versus higher coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Tahoe insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $222 $400 $258 $16 $78 $999 $83
Tahoe LS 4WD $250 $400 $258 $16 $78 $1,027 $86
Tahoe LT 2WD $250 $400 $258 $16 $78 $1,027 $86
Tahoe LT 4WD $250 $400 $258 $16 $78 $1,027 $86
Tahoe LTZ 2WD $250 $472 $258 $16 $78 $1,099 $92
Tahoe LTZ 4WD $250 $472 $258 $16 $78 $1,099 $92
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Chevrolet Tahoe insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $162 $270 $258 $16 $78 $784 $65
Tahoe LS 4WD $182 $270 $258 $16 $78 $804 $67
Tahoe LT 2WD $182 $270 $258 $16 $78 $804 $67
Tahoe LT 4WD $182 $270 $258 $16 $78 $804 $67
Tahoe LTZ 2WD $182 $318 $258 $16 $78 $852 $71
Tahoe LTZ 4WD $182 $318 $258 $16 $78 $852 $71
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in Herndon location which can affect premium rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you about $20 more each month or $240 each year than requesting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claim filings, you would probably come out ahead if you choose the higher deductible. The numbers below show how this decision is made.

Average monthly premium for $100 deductibles: $88
Average monthly premium for $500 deductibles (subtract): - $68
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important issue to know is that higher deductibles means you will have to pay more out-of-pocket if you have a claim. That will force you to have a higher level of savings in order to pay more to get your vehicle repaired.

Car insurance prices based on gender

The diagram below compares insurance premiums for male and female drivers in Herndon. The premiums are based on no accidents, no driving violations, full coverage, $250 deductibles, single marital status, and no additional 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.

Are you receiving every discount?

Insurance is neither fun to buy or cheap, but there could be available discounts that many consumers don't even know exist. Many of these discounts will be applied automatically when you purchase, but a few need to be manually applied before you get the savings.Save money with discounts

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn't work that way.

For a list of providers that offer some of these discounts in Virginia, click this link.

Auto insurance is unique, just like you

Always keep in mind that when comparing a policy, there isn't really a one-size-fits-all type of policy. Each situation is unique.Higher deductibles save money

These are some specific questions might point out if your situation might need professional guidance.

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Compare prices but buy from a local neighborhood Herndon car insurance agent

A lot of people prefer to talk to an insurance agent and that is a smart decision Most agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of getting free rate quotes online is you may find cheap rate quotes and still have a local agent.

To find an agent, once you fill out this quick form, your insurance coverage information is instantly submitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to search for an agent since price quotes are sent directly to you. If for some reason you want to compare rates from a particular provider, just jump over to their website and complete a quote there.

Picking a insurance company shouldn't rely on just a low price. These questions are important to ask:

Advertising and car insurance

Virginia drivers constantly see and hear ads that promise big savings for switching from companies such as Allstate, GEICO and Progressive. All the ads convey the message that people will save if you change your coverage to them.

How do they all give you a lower rate on car insurance? It's all in the words they use.

All companies quote the lowest rates for the right customer that will add to their bottom line. An example of a profitable insured might have to be a mature driver, insures multiple vehicles, and has a short commute. Anyone who meets those qualifications is entitled to the best price and will probably save when they switch companies.

Drivers who fall outside the requirements will be charged a more expensive rate which leads to business not being written. Company advertisements say "drivers that switch" not "all people who quote" save money. That is how companies can truthfully lure you into getting a quote. Because of the profiling, you really need to compare price quotes frequently. Because you cannot predict which insurance companies will give you lower premium rates than your current company.

A little work can save a LOT of money

In this article, we covered a lot of techniques to compare car insurance auto insurance rates in Herndon. It's most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the best price on car insurance is with a small local company.

Low-cost car insurance in Herndon is available on the web and from local insurance agents, so you need to quote Herndon car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get quotes online and usually these smaller companies provide coverage only through independent insurance agents.

Drivers switch companies for any number of reasons including lack of trust in their agent, denial of a claim, unfair underwriting practices and policy non-renewal. It doesn't matter why you want to switch choosing a new insurance company is actually quite simple.

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