How many times have you told yourself to find low-cost car insurance rates in Staunton, VA? Staunton buyers have a choice when searching for the best price on car insurance. They can either waste time driving around to get rate comparisons or use the internet to get rate quotes. There is a right way and a wrong way to find car insurance online so we're going to tell you the absolute fastest way to price shop coverage for a and find the best price possible.

Take advantage of every auto insurance discount

Companies don't always advertise every policy discount in a way that's easy to find, so here is a list both well-publicized and the more hidden discounts you could be receiving when you buy Staunton car insurance online.Auto insurance discounts

Just know that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, it just doesn't work that way.

A partial list of companies that may offer policyholders these benefits include:

Check with every company how you can save money. Discounts might not apply everywhere.

Getting a cheaper price on insurance is not a difficult process. All you need to do is spend a little time comparing rates from some recommended companies.

The following companies are our best choices to provide price quotes in Virginia. If several companies are displayed, it's highly recommended you visit as many as you can in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Staunton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $734 $367 $61
Chevrolet Impala LS $828 $414 $69
Chevrolet Silverado LS Regular Cab 4WD $802 $401 $67
Dodge Ram Crew Cab Laramie 4WD $942 $471 $79
Ford Edge SE AWD $790 $395 $66
Ford Escape XLS 2WD $684 $342 $57
Ford F-150 Lariat Crew Cab Platinum 2WD $716 $358 $60
Ford Focus SES 4-Dr Sedan $1,050 $525 $88
GMC Sierra SLT Crew Cab 2WD $844 $422 $70
Honda Accord LX 4-Dr Sedan $684 $342 $57
Honda CR-V EX 2WD $642 $321 $54
Honda Civic DX 2-Dr Coupe $872 $436 $73
Honda Odyssey LX $746 $373 $62
Mazda 3 I SV 4-Dr Sedan $676 $338 $56
Nissan Altima Hybrid 4-Dr Sedan $990 $495 $83
Toyota Camry LE $868 $434 $72
Toyota Corolla XRS $996 $498 $83
Volkswagen Jetta 2.0T 4-Dr Sedan $1,108 $554 $92
Get Your Own Custom Quote Go

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can influence premium rates substantially.

Staunton insurance costs by gender and age

The information below shows the difference between auto insurance costs for male and female drivers in Staunton. The price estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no other discounts are factored in on a GMC Acadia SL.

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

Three reasons to insure your vehicle

Even though it's not necessarily cheap to insure a vehicle in Staunton, insuring your vehicle serves a purpose in several ways.

The benefits of insuring your car more than offset the price you pay, particularly when you have a large claim. An average driver in America is wasting up to $820 a year so compare rates once a year at a minimum to help ensure money is not being wasted.

The coverage is in the details

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle's damage.

Because many people have only the minimum liability required by law (Virginia limits are 25/50/20), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might 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.

Liability can pay for claims such as structural damage, repair bills for other people's vehicles, repair costs for stationary objects, bail bonds and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. Virginia requires drivers to carry at least 25/50/20 but you should consider buying higher limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like hospital visits, ambulance fees, X-ray expenses and prosthetic devices. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, hitting a deer, rock chips in glass and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Insurance losses by coverage

Do you own a high-claim vehicle? The statistics below list the highest and lowest cars and trucks for likelihood of having large claims orgainized by coverage.

Vehicles with the Lowest and Highest Collision Claims
Lowest Claims Highest Claims
Ford F-250 SuperCab Bentley Continental Flying Spur
Nissan Xterra Maserati Granturismo
Smart ForTwo Ferrari 458
Jeep Wrangler BMW 6 Series
Ford F-150 SuperCrew Bently Continental GT
Mini Cooper Nissan GT-R

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

Bodily Injury Liability Claims by Vehicle Model
Lowest Claims Highest Claims
Subaru Forester Chevrolet Cruze
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Impala
Audi A6 Mitsubishi Lancer
Acura MDX Chevrolet Sonic
Fiat 500 Kia Optima

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

Lowest and Highest Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford Expedition Mitsubishi Mirage
Tesla Model S Chevrolet Sonic
Chevrolet Silverado 3500 Kia Forte
Audi A4 Allroad Dodge Charger
Ford F-350 SuperCrew Mitsubishi Lancer
Ford F-250 SuperCrew Hyundai Accent

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

Lowest and Highest Comprehensive Insurance Claims by Vehicle
Lowest Claims Highest Claims
Infiniti QX50 Porsche Panamera GTS
Smart ForTwo BMW M6
Volvo V60 Maserati Quattroporte
Nissan Leaf Audi S7
GMC Sierra 2500 Bentley Continental GTC
Chevy Silverado 2500 Maserati Granturismo

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

Cheaper auto insurance is a realistic goal

In this article, we presented many tips how you can reduce auto insurance prices online in Staunton. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the most savings is with a company that doesn't do a lot of advertising.

Affordable auto insurance in Staunton can be bought online and with local Staunton insurance agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies do not provide the ability to get quotes online and these smaller companies prefer to sell through local independent agencies.

People change insurance companies for many reasons like extreme rates for teen drivers, delays in paying claims, lack of trust in their agent or even denial of a claim. No matter why you want to switch, finding the right auto insurance provider can be less work than you think.

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