Insurance rates Honda CR-Z in NorfolkWant to know an easy way to compare lower-priced Honda CR-Z insurance in Norfolk? Pricey insurance in Norfolk can bottom out your monthly budget and put the squeeze on your family's finances.

Sad but true, the vast majority of insurance customers kept their policy with the same company for a minimum of four years, and approximately 40% of consumers have never compared quotes from other companies. Drivers in Norfolk could save themselves up to $500 a year by just shopping around, but most undervalue the amount of money they would save if they swap their current policy for a cheaper one. Due to the abundance of different company options, it is very difficult to find the most affordable insurance company.

Informed Consumers Know How to Buy Auto Insurance at a Discount

The best way to find cheaper auto insurance is to take a look at some of the things that go into determining your premiums. When you understand what controls the rates you pay, this enables informed choices that can earn you big savings. Many factors are part of the equation when pricing auto insurance. Some are pretty understandable like your driving record, but other criteria are more obscure such as your marital status or your vehicle rating.

Shown below are some of the major factors used by companies to determine premiums.

Cutting your auto insurance rates can be quick and easy. Just spend a few minutes on the computer comparing price quotes online with multiple companies.

It's so easy to compare price quotes online that it takes the place of having to spend your day driving to different agent offices. Comparing Honda CR-Z insurance rate quotes online eliminates the need for an insurance agent unless you have a need for the trained advice that only a licensed agent can provide. However, consumers can price shop online and get advice from an agent in your area.

The following companies have been selected to offer comparison quotes in Norfolk, VA. If multiple companies are listed, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Be skeptical of insurance ads

Consumers get pounded daily by advertisements that promise big savings for switching from the likes of Progressive, Allstate and GEICO. They all have a common claim about how much you will save if you switch your coverage.

How do they all save you money on Honda CR-Z insurance in Norfolk?

Companies have a preferred profile for the right customer they prefer to insure. For instance, a driver they prefer could be over the age of 35, has had continuous coverage, and has great credit. Anybody that hits that "sweet spot" will get the preferred rates in Norfolk and will most likely save quite a bit of money when switching.

Insureds who fall short of the requirements may be forced to pay higher rates and this can result in the customer buying from someone else. If you listen closely, the ads state "people who switch" not "everyone who quotes" save that much when switching. That is how companies can make those statements.

This really drives home the point why drivers should compare free Norfolk car insurance quotes often. It's just too difficult to predict which company will fit you best based on your risk profile.

Insuring your Honda vehicle just makes sense

Even though it's not necessarily cheap to insure a Honda in Norfolk, maintaining insurance is required in Virginia but it also protects you in many ways.

The benefits of having insurance definitely exceed the cost, especially for larger claims. Unknowingly, the average driver is overpaying over $820 a year so you should quote and compare rates at every renewal to ensure rates are inline.

Affordable rates on Honda CR-Z insurance in Norfolk with these auto insurance discounts

Some companies don't list the complete list of policy discounts very well, so we break down a few of the more common and also the lesser-known credits available to lower your premiums when you buy Norfolk car insurance online.Cheaper auto insurance with discounts

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount should help lower your overall bill.

A partial list of companies that may offer quotes with these discounts are:

When quoting, ask each insurance company how you can save money. Some discounts might not be available to policyholders in your state.

Can't I compare rate quotes from local Norfolk auto insurance agents?

Many drivers just want to go talk to an agent and that can be a great decision Professional insurance agents can point out coverage gaps and help in the event of a claim. The best thing about comparing insurance prices online is that you can find the best rates and also buy local. Supporting local agents is still important in Norfolk.

Find insurance agent in NorfolkBy using this simple form, your coverage information gets sent to companies in Norfolk who will give you bids to get your business. You won't even need to drive around since rate quotes are delivered to you instantly. If you wish to get a price quote for a specific company, feel free to navigate to their website and give them your coverage information.

If you are wanting to find a good insurance agency, you must know there are a couple types of insurance agents and how they are slightly different. Norfolk agents are classified as either independent or exclusive depending on the company they work for. Either one can properly insure your vehicles, but it is a good idea to know the difference in the companies they write for because it can factor into which type of agent you select.

Independent Car Insurance Agents

These agents are not restricted to one company so they can write business with lots of companies and find the cheapest car insurance rates. If your agent finds better pricing, they simply switch companies in-house without you having to go to a different agency.

When searching for an agent, you absolutely need to get several quotes from at least one independent agent to get the best comparison.

Featured below is a small list of independent agencies in Norfolk that may be able to give you competitive price quotes.

3016 E Princess Anne Rd d - Norfolk, VA 23504 - (757) 512-5034 - View Map

500 W 21st St #300 - Norfolk, VA 23517 - (757) 622-4653 - View Map

101 W Main St - Norfolk, VA 23510 - (757) 625-1800 - View Map

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Exclusive Car Insurance Agencies

Agents that elect to be exclusive are contracted to one company like State Farm or Allstate. These agents are not able to compare rates from other companies so you might not find the best rates. They are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates.

Listed below are Norfolk exclusive insurance agencies that can give you price quotes.

409 Yarmouth St a - Norfolk, VA 23510 - (757) 626-1020 - View Map

501 E Brambleton Ave - Norfolk, VA 23510 - (757) 623-2755 - View Map

4916 Colley Ave - Norfolk, VA 23508 - (757) 842-6544 - View Map

View more agents

Finding a good auto insurance agent needs to be determined by more than just the price. These are some questions your agent should answer.

When should I discuss my situation with an agent?

When it comes to choosing a policy for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique.Car insurance savings

For instance, these questions may help highlight if you could use an agent's help.

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Frequent quotes can save

Throughout this article, we presented many ways to save on Honda CR-Z insurance in Norfolk. It's most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with the smaller companies.

People leave their current company for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, an unsatisfactory settlement offer and even denial of a claim. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

The cheapest Honda CR-Z insurance in Norfolk is attainable online in addition to local insurance agencies, and you should be comparing both to have the best rate selection. A few companies do not provide the ability to get quotes online and usually these small, regional companies only sell through independent agencies.

More tips and info about auto insurance is located at these sites: