How many times have you told yourself to find lower-priced auto insurance rates in Newport News, VA? Saving money on auto insurance can seem to be very difficult for drivers new to buying insurance online. With a ridiculous number of online companies available, it can turn into a real difficult job to find more affordable rates in Virginia.

Statistics show that a large majority of auto insurance policyholders have purchased from the same company for a minimum of four years, and nearly half have never compared rates to find cheap insurance. With the average premium in Virginia being $1,200, drivers could save an average of as much as $500 each year, but they just don't understand how easy it is to compare rates.

It's a good idea to take a look at other company's rates on a regular basis because insurance rates change quite often. If you had the lowest premium rates on auto insurance a year ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because you're about to learn one of the easiest ways to find great coverage at a great price.

Get cheaper insurance with discounts

Auto insurance companies don't list every discount they offer very clearly, so below is a list a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Newport News car insurance online.Save money with discounts

As a sidenote, most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, companies wouldn't make money that way.

To find insurance companies that have a full spectrum of discounts in Virginia, follow this link.

To get inexpensive Newport News car insurance quotes, there a variety of ways of comparing rate quotes from all the different companies. The easiest way to compare insurance prices involves getting comparison quotes online.

When comparison shopping, comparing all the rates in your area helps improve the odds of finding the best rates. Not every company does online quotes, so you also need to get price quotes from the smaller companies as well.

The providers in the list below provide quotes in Newport News, VA. If multiple providers are shown, we suggest you compare several of them in order to find the most affordable rates.

Insurance Cost Estimates for Popular Vehicles in Newport News
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $578 $289 $48
Chevrolet Equinox LTZ 2WD $996 $498 $83
Chevrolet Malibu LTZ $716 $358 $60
Chevrolet Silverado LTZ Crew Cab 4WD $820 $410 $68
Dodge Grand Caravan SE $642 $321 $54
Dodge Ram Quad Cab Laramie 2WD $1,066 $533 $89
Ford Escape Limited 4WD $810 $405 $68
Ford F-150 XLT Super Cab 2WD $822 $411 $69
Ford Focus SE 2-Dr Coupe $848 $424 $71
GMC Sierra SLT Extended Cab 4WD $734 $367 $61
Honda Accord EX-L 2-Dr Coupe $896 $448 $75
Honda CR-V LX 2WD $754 $377 $63
Honda Civic LX 4-Dr Sedan $708 $354 $59
Nissan Altima 3.5 SR 2-Dr Coupe $972 $486 $81
Toyota Camry Hybrid $884 $442 $74
Toyota Corolla XRS $848 $424 $71
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in zip code location which can change coverage rates greatly.

Can higher deductibles save money?

When shopping for car insurance, a common question is which deductibles should you choose. The figures shown below approximate the rate differences when you select higher and lower deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Altima insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $198 $336 $258 $16 $78 $911 $76
Altima 2.5 S 4-Dr Sedan $198 $394 $258 $16 $78 $969 $81
Altima Hybrid 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
Altima 2.5 S 2-Dr Coupe $224 $394 $290 $18 $88 $1,039 $87
Altima 3.5 SR 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
Altima 3.5 SR 2-Dr Coupe $224 $454 $290 $18 $88 $1,099 $92
Get a Quote for Your Vehicle Go
Nissan Altima insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $162 $270 $258 $16 $78 $784 $65
Altima 2.5 S 4-Dr Sedan $162 $318 $258 $16 $78 $832 $69
Altima Hybrid 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
Altima 2.5 S 2-Dr Coupe $182 $318 $290 $18 $88 $896 $75
Altima 3.5 SR 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
Altima 3.5 SR 2-Dr Coupe $182 $366 $290 $18 $88 $944 $79
Get a Quote for Your Vehicle Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific Newport News garaging location which can alter auto insurance rates greatly.

Based on the above data, using a $250 deductible will cost you approximately $12 more each month or $144 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have more than 21 months between claim filings, you would come out ahead if you elect the higher deductible.

When to get advice from a local insurance agent

Many people would rather get advice from a local agent and often times that is recommended One of the benefits of comparing insurance prices online is you may find lower premium rates and still choose a local agent. Buying from and supporting neighborhood agents is definitely important in Newport News.

Newport News insurance agentsFor easy comparison, once you complete this simple form, your insurance data gets sent to insurance agents in Newport News who will return price quotes for your car insurance coverage. It makes it easy because there is no need to contact any agents as quotes are delivered instantly to you. You can most likely find cheaper rates and work with a local agent. If you need to get a price quote from a specific car insurance provider, you would need to go to their quote page and fill out their quote form.

Choosing a provider should include more criteria than just a cheap price quote. These are some valid questions you should ask.

Car insurance 101

Learning about specific coverages of auto insurance can help you determine which coverages you need for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Auto liability insurance - This coverage protects you from damage that occurs to people or other property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/20 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $20,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible. Virginia requires drivers to carry at least 25/50/20 but it's recommended drivers buy more liability than the minimum.

Collision coverages - This coverage pays for damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle, driving through your garage door, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto insurance - This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, a broken windshield, hitting a bird and theft. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for medical expenses - Coverage for medical payments and/or PIP pay for bills like X-ray expenses, hospital visits, chiropractic care and ambulance fees. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers - Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your vehicle.

Because many people have only the minimum liability required by law (25/50/20), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Insurance claim statistics

Are you driving a statistically high-claim vehicle? The statistics below show the highest and lowest vehicles for likelihood of having large claims organized by coverage.

Liability Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Chevrolet Cruze
Subaru Outback Chrysler 200
Acura MDX Hyndai Accent
Fiat 500 Mitsubishi Lancer
Audi A6 Kia Optima
Subaru Forester Chevrolet Impala

Statistics from for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler Audi RS7
Mini Cooper Maserati Granturismo
Ford F-150 SuperCrew Bently Continental GTC
Ford Edge Maserati Ghibli
Smart ForTwo Nissan GT-R
GMC Canyon Bentley Continental Flying Spur

Statistics from for 2013-2015 Model Years

Car Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevy Spark Bentley Continental GT
Chevy Silverado 2500 BMW M6
Smart ForTwo Maserati Granturismo
Nissan Xterra Mercedes-Benz S Class
Nissan Leaf Porsche Panamera GTS
Infiniti QX50 Bentley Continental GTC

Statistics from for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Medical Payment Claims
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCrew Kia Forte
Ford F-350 SuperCrew Chrysler 200
Audi A4 Allroad Nissan Sentra
Land Rover Range Rover Sport Mitsubishi Lancer
Ford Expedition Dodge Charger
Chevrolet Corvette Nissan Versa

Statistics from for 2013-2015 Model Years

Shop around and save

Some insurance providers may not offer the ability to get a quote online and many times these smaller providers sell through local independent agencies. Low-cost auto insurance in Newport News can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from.

As you quote Newport News car insurance, do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

We just covered some good ideas how to shop for auto insurance online. It's most important to understand that the more price quotes you have, the better your comparison will be. Drivers may even discover the biggest savings come from the smaller companies.

Additional detailed information is located in the articles below: