Want the cheapest auto insurance rates in Virginia Beach, VA? Paying for expensive auto insurance in Virginia Beach can drain your family's budget, especially in this economy. Doing a rate comparison is a smart way to tighten up your finances.

A recent survey discovered that the vast majority of consumers have bought auto insurance from the same company for well over three years, and roughly 40% of drivers have never shopped around. American drivers can cut their rates by up to 46.5% a year by just shopping around, but they just don't understand how easy it is to save money by comparing rate quotes.

Companies like Allstate and Progressive constantly blast consumers with TV and radio ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

If you have insurance now, you stand a good chance to be able to get lower rates using the techniques covered below. Locating the best rates in Virginia Beach can be much easier if you know how to start. But Virginia consumers must learn the way insurance companies set your policy premium because rates fluctuate considerably.

Cheaper Virginia Beach car insurance quotes with discounts

Some companies do not list all available discounts very clearly, so here is a list both well-publicized as well as the least known savings tricks you should be using when you buy Virginia Beach car insurance online. If you are not receiving all the discounts available, you're just leaving money on the table.Car insurance discounts

As is typical with insurance, some credits don't apply to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears it's possible to get free car insurance, insurance companies wouldn't stay in business.

A partial list of companies who might offer some of the discounts shown above may include but are not limited to:

When getting a coverage quote, ask each insurance company to give you their best rates. A few discounts might not be offered on policies in Virginia Beach. To view providers that offer multiple discounts in Virginia, follow this link.

Most companies give price estimates direct online. Doing online quotes is possible for anyone because you just enter your coverage preferences into the quote form. After you complete the form, their rating system makes automated requests for reports for credit and driving violations and returns pricing information based on these factors. Quoting online makes it easy to compare insurance prices and it's also necessary to do this if you are searching for lower-cost car insurance pricing.

To quickly fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you type in coverages and limits as shown on your current policy. This way, you will have a price comparison based on identical coverages.

The providers in the list below have been selected to offer comparison quotes in Virginia Beach, VA. If multiple providers are shown, it's a good idea that you visit as many as you can in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Virginia Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $756 $378 $63
Chevrolet Silverado LS Crew Cab 4WD $1,108 $554 $92
Dodge Ram Crew Cab SLT 4WD $712 $356 $59
Ford Edge SEL AWD $740 $370 $62
Ford Escape XLT 2WD $832 $416 $69
Ford F-150 STX Super Cab 4WD $648 $324 $54
Ford Focus SE 2-Dr Coupe $1,136 $568 $95
Ford Fusion S 4-Dr Sedan $720 $360 $60
GMC Sierra SLT Crew Cab 2WD $716 $358 $60
Honda Accord LX 4-Dr Sedan $572 $286 $48
Honda CR-V LX 4WD $684 $342 $57
Honda Civic LX 2-Dr Coupe $840 $420 $70
Honda Odyssey EX-L W/Rear Entertainment $944 $472 $79
Hyundai Elantra SE 4-Dr Sedan $628 $314 $52
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $850 $425 $71
Kia Optima EX $1,026 $513 $86
Mazda 3 I Sport 4-Dr Sedan $1,022 $511 $85
Nissan Altima 3.5 SR 2-Dr Coupe $972 $486 $81
Toyota Camry SE $830 $415 $69
Toyota Corolla XRS $828 $414 $69
Get Your Own Custom Quote Go

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in vehicle location which can affect premiums noticeably.

Drive safe and save

The illustration below illustrates how traffic citations and at-fault claims drive up Toyota Corolla yearly insurance costs for each age group. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

An analysis of deductible level

The diagram below highlights how deductible choice and can raise or lower Dodge Ram insurance costs for different ages of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Cost of full coverage

The example below illustrates the comparison of Dodge Ram insurance prices with liability coverage only compared to full coverage. The information is based on no violations or accidents, $100 deductibles, married female driver, and no policy discounts are applied.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Deciding between full coverage and liability only

There is no written rule of when to phase out comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Dodge Ram replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after you pay the deductible. If it's costing in excess of $500 annually for physical damage coverage, then it could be time to drop full coverage.

There are some conditions where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

You may require the services of a local insurance agent

A small number of people would rather sit down and talk to an agent and doing that can be a smart decision One of the great benefits of comparing rates online is that you can obtain cheaper prices but also keep your business local. Supporting small agencies is important particularly in Virginia Beach.

Insurance agency in Virginia BeachAfter completing this quick form, your insurance coverage information is instantly submitted to local insurance agents in Virginia Beach that can give you free Virginia Beach car insurance quotes for your insurance coverage. You don't have to find an agent since rate quotes are delivered to you instantly. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to quote rates for a specific company, you just need to navigate to their website and submit a quote form there.

If you want to buy insurance from a reliable insurance agent, you should know the different types of agents and how they can write your policy. Agents can be categorized as either exclusive agents or independent agents.

Independent Insurance Agents (or Brokers)

Agents that choose to be independent are appointed with more than one company so they can insure your vehicles with any number of different companies and find you the best rates. If premiums increase, the business is moved internally and the insured can keep the same agent. When comparing rate quotes, we recommend you check rates from multiple independent agents to get the most accurate price comparison.

Listed below is a partial list of independent agents in Virginia Beach who can help you get comparison quotes.

2433 N Landing Rd - Virginia Beach, VA 23456 - (757) 301-6397 - View Map

921 First Colonial Road #1703 - Virginia Beach, VA 23454 - (757) 481-9105 - View Map

307 Lynnhaven Pkwy Ste 201 - Virginia Beach, VA 23452 - (757) 464-4443 - View Map

View more Virginia Beach agents

Exclusive Insurance Agents

These agents can only quote rates from one company and some examples include State Farm or Allstate. They usually cannot place coverage with different providers so it's a take it or leave it situation. Exclusive agencies are very knowledgeable on their company's products which aids in selling service over price.

Shown below are exclusive agents in Virginia Beach that are able to give price quote information.

562 Lynnhaven Pkwy #201 - Virginia Beach, VA 23452 - (757) 227-9700 - View Map

1115 Independence Blvd #214 - Virginia Beach, VA 23455 - (757) 363-7376 - View Map

4388 Holland Road Ste. 110 - Virginia Beach, VA 23452 - (757) 499-6813 - View Map

View more Virginia Beach agents

Picking the best insurance agency is decision based upon more than just a low price. These are some valid questions you should ask.

Car insurance claim statistics

Are you driving a vehicle with a high chance of a claim? The claim statistics below outline the good and bad models for the probability of having to file claims.

Medical Payment Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Land Rover Range Rover Sport Chevrolet Spark
Tesla Model S Nissan Versa
Audi A4 Allroad Hyundai Accent
Ford Expedition Mitsubishi Mirage
Chevrolet Silverado 3500 Chrysler 200
Ford F-350 SuperCrew Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Acura MDX Chevrolet Cruze
Audi A6 Chevrolet Impala
Subaru Outback Mitsubishi Lancer
Chevrolet Corvette Chrysler 200
Mercedes-Benz SL Class Dodge Charger
Fiat 500 Hyndai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Smart ForTwo BMW M6
Chevy Silverado 2500 Porsche Panamera GTS
Nissan Xterra Maserati Quattroporte
Ford F-350 Bentley Continental GTC
Infiniti QX50 BMW M6
Nissan Leaf Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler Bently Continental GT
Smart ForTwo Audi RS7
Chevrolet Colorado Nissan GT-R
Mini Cooper Bently Continental GTC
Ford Edge Bentley Continental Flying Spur
GMC Canyon BMW 6 Series

Statistics from IIHS.org for 2013-2015 Model Years

Lower rates by being persistent

You just learned some good ideas how you can lower your auto insurance rates in Virginia Beach. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with a small mutual company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

When you buy Virginia Beach car insurance online, you should never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best possible price.

More affordable auto insurance in Virginia Beach can be sourced on the web as well as from independent agents in Virginia Beach, so you need to shop Virginia Beach car insurance with both so you have a total pricing picture. Some companies do not provide rates over the internet and many times these smaller providers provide coverage only through independent agents.

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