Insurance for BMW X1How many years has it been since you compared lower-priced BMW X1 insurance in Norfolk? Are you kicking yourself for buying an expensive car insurance policy? Believe me when I say there are many Norfolk consumers feeling the pinch from expensive car insurance.

Amazingly, a recent study showed that nearly 70% of customers have bought car insurance from the same company for four years or more, and approximately 40% of consumers have never shopped around. Norfolk insurance shoppers can save roughly 45% each year by just comparing quotes, but they feel it's too difficult to compare rates and save money. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate increase brand awareness with TV and radio ads and it is difficult to sift through the bull and take the time to shop coverage around.

If you are insured now or just want a better rate, take advantage of these tips to reduce the price you pay and still get good coverage. Locating the best rates in Norfolk is actually very simple if you learn how to start. You just have to understand the quickest way to compare rates from multiple carriers.

Companies offering competitive BMW X1 rates in Norfolk, VA

The providers in the list below have been selected to offer price comparisons in Norfolk, VA. If several companies are displayed, we suggest you get rates from several of them to find the lowest car insurance rates.

Discounts can help save money on BMW X1 insurance in Norfolk

Not too many consumers would say car insurance is affordable, but you may qualify for discounts that may help make it more affordable. Certain credits will be shown at the time of quoting, but a few must be inquired about before you will receive the discount.Save money with discounts

Just know that some credits don't apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn't be very happy. Any amount of discount will definitely lower your overall bill.

A list of companies and the discounts they provide are shown below.

Double check with each company or agent to give you their best rates. Some discounts might not apply in your state. If you would like to choose from a list of providers with the best BMW X1 insurance discounts in Virginia, follow this link.

Learn How to Buy Insurance Cheaper

Part of the insurance buying process is learning the different types of things that help calculate insurance rates. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that could result in big savings.

Neighborhood insurance agents

A lot of people would rather talk to an insurance agent and often times that is recommended Good agents can help you build your policy and will help you if you have claims. The best thing about comparing rate quotes online is the fact that you can find cheap auto insurance rates but still work with a licensed agent.

Insurance agents in NorfolkTo help locate an agent, after submitting this simple form, your information is instantly submitted to local insurance agents who will give you quotes to get your business. It's much easier because you don't need to do any legwork because prices are sent to your email. If you wish to quote rates from a specific insurance company, you would need to jump over to their website and submit a quote form there.

Finding the right company requires you to look at more than just the premium amount. Below are some questions you should ask.

If you want to use a reputable agency, it's helpful to know the types of agencies and how they differ in how they quote coverages. Agents are categorized either exclusive agents or independent agents. Either type can write policy coverage, but it's a good idea to understand the subtle differences because it may have an impact on which agent you choose.

Exclusive Insurance Agencies

Exclusive insurance agents can only quote rates from one company such as State Farm, Allstate, or Farmers Insurance. These agents are unable to provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are trained well on their products and sales techniques and that allows them to sell at a higher price point.

The following is a short list of exclusive insurance agents in Norfolk that can give you price quote information.

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

5900 E Virginia Beach Blvd #204 - Norfolk, VA 23502 - (757) 548-1265 - View Map

708 E Little Creek Rd - Norfolk, VA 23518 - (757) 480-4100 - View Map

View more Norfolk agents

Independent Agents

These agents are not required to write business for one company so they have the ability to put coverage through lots of different companies and find the cheapest auto insurance rates. If they find a lower price, your policy is moved internally and you don't have to find a new agent.

When searching for an agent, you will definitely want to compare prices from a few independent agents so that you can do a thorough price comparison.

Shown below are Norfolk independent insurance agents who can help you get price quotes.

Abbott-Payne Insurance
6330 N Center Dr # 200 - Norfolk, VA 23502 - (757) 466-1231 - View Map

500 E Main St #600 - Norfolk, VA 23510 - (757) 497-9611 - View Map

Met Life Auto and Home Insurance
Norfolk, VA 23502 - Norfolk, VA 23502 - (757) 747-2381 - View Map

View more Norfolk agents

If you receive reasonable responses to these questions and an affordable coverage quote, you may have found an insurance agent that is reliable enough to properly insure your vehicles.

Is there deception in advertising?

Virginia drivers can't get away from ads that promise big savings for switching by companies like State Farm, GEICO and Progressive. They all convey the message of big savings if you switch your coverage.

It sounds good, but how can they all charge you less for auto insurance?

Car insurance companies have specific guidelines for the driver that earns them the most money. For example, a profitable insured could be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any customer that hits that "sweet spot" receives the best auto insurance rates in Norfolk and will most likely cut their rates substantially.

Insureds who don't qualify for the requirements may receive a more expensive rate and this results in business not being written. If you pay attention, the ads say "people who switch" not "everybody who quotes" save that kind of money. That is how insurance companies can advertise the savings. This illustrates why you really should get Norfolk car insurance quotes as often as possible. You cannot predict which car insurance company will have the best auto insurance rates at this point in time.

Lower rates by being persistent

We covered quite a bit of information on how to find affordable BMW X1 insurance in Norfolk. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest prices are with a lesser-known regional company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

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