The words “low-priced” and “auto insurance” really shouldn’t be used in the same sentence, especially when you are looking for the cheapest coverage for government employees. Because it’s not cheap, let’s get started by showing you some of the things that help determine insurance premiums, and see how we can help you take a little off the next policy you buy.
The type of vehicle on the policy is one of the primary factors that determines if you can find the best cheap car insurance for government employees. Vehicles with average performance, an excellent safety record, or a low likelihood of liability claims will cost substantially less to insure than adrenaline junky models.
The information below showcases insurance rates for a number of the most cost-effective automobiles to insure in Virginia.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Edge SE 2WD||$1,277|
|Ford Explorer XLT AWD||$1,304|
|Toyota Tacoma 4WD||$1,311|
|Honda Accord EX 4-Dr Sedan||$1,331|
|Honda CR-V EX 4WD||$1,360|
|Chevrolet Equinox LS AWD||$1,375|
|Ford Escape XLT 2WD||$1,424|
|Chevrolet Impala LTZ||$1,446|
|Chevrolet Silverado LT Crew Cab 4WD||$1,472|
|Jeep Grand Cherokee SRT-8 4WD||$1,479|
|Ford Fusion SEL 4-Dr Sedan||$1,472|
|Ford F-350 Super Cab Lariat 2WD||$1,524|
|Ford Focus S 4-Dr Sedan||$1,548|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in vehicle location which can decrease or increase price quotes considerably.
Looking at the numbers, we can tell that makes and models like the Ford Edge, Ford Explorer, and Toyota Tacoma are going to be a few of the most economical vehicles to insure for state and federal workers.
For state and federal workers, one of the largest considerations that are looked at to determine the amount you pay each year for auto insurance is your zip code in Virginia Beach. Cities with larger populations or higher claim trends will most likely pay more, whereas areas that tend to be more rural benefit from lower prices.
The following table lists the most expensive areas in Virginia for government employees to buy car insurance in. Virginia Beach makes the list at #18 costing $920 for the average policyholder, which is around $77 per month.
|Rank||City||Premium Per Year|
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Rates are estimated as the garaging address in Virginia Beach can decrease or increase premium rates substantially.
Finding out which company offers the cheapest car insurance rates for government employees requires a bit more effort than just picking a company at random. Each insurer has a proprietary formula to set premium rates, so we need to take a look at the most competitive car insurance companies in Virginia Beach.
It’s important to know that Virginia Beach, VA car insurance rates are impacted by many factors that will increase or decrease the cost of having a policy. Turning one year older, buying a different home, or getting a reckless driving citation may generate price changes that can make some companies cheaper than before.
Cheap Insurance Rates in Virginia
|Rank||Company||Cost Per Year|
|8||Virginia Farm Bureau||$802|
|15||National Grange Mutual||$1,093|
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Travelers normally has some of the cheapest car insurance rates in Virginia Beach at around $679 each year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also are some of the cheapest Virginia Beach, VA car insurance companies.
In the above rates, if you currently buy coverage from Penn National and switched to Travelers, you may see annual savings of in the neighborhood of $39. Customers with Cincinnati Insurance may save as much as $54 a year, and Auto-Owners policyholders might lower prices by up to $102 a year.
These estimates are averages for all drivers and vehicles and and are not calculated with a specific zip code for government employees. So the auto insurance company that is best suited for you may not even be in the top 30 companies shown above. That affirms the importance of why you need to quote rates from many companies using your own driver data and vehicle information.
Choosing the best company is difficult considering how many different insurance companies sell coverage in Virginia Beach. The rank data in the lists below can help you analyze which coverage providers you want to consider purchasing a policy from. The ratings below are only made up of the largest auto insurers in America, so smaller companies are not taken into consideration for these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Virginia Beach insurance
Insurers that offer quotes for government employees could also offer rate discounts that can lower rates by as much as 40% or more if you qualify for them. Large car insurance companies and some of the discounts are outlined below.
- State Farm policyholders can earn discounts including safe vehicle, driver’s education, good student, multiple autos, passive restraint, and good driver.
- Farmers Insurance includes discounts for alternative fuel, pay in full, teen driver, electronic funds transfer, homeowner, good student, and distant student.
- Progressive has savings for homeowner, good student, multi-policy, online signing, and multi-vehicle.
- GEICO discounts include daytime running lights, military active duty, seat belt use, air bags, driver training, and five-year accident-free.
- Auto-Owners Insurance offers premium reductions for student away at school, safe vehicle, group or association, company car, air bags, and teen driver.
- The Hartford has discounts for anti-theft, vehicle fuel type, driver training, defensive driver, air bag, bundle, and good student.
- Farm Bureau may offer discounts for driver training, good student, youthful driver, multi-policy, multi-vehicle, and 55 and retired.
- USAA may include discounts for defensive driver, new vehicle, multi-vehicle, good student, annual mileage, and vehicle storage.
The information below illustrates the difference between premium costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents, no driving violations, Virginia state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, defensive driving course, accident-free, passive restraint, safe-driver, and marriage discounts applied. In this example, theamount saved on car insurance for government employees is 28% or $287.
Tickets and at-fault accidents raise rates
The easiest way to earn cheap car insurance rates in Virginia Beach for state and federal workers is to be a safe driver and avoid tickets and accidents. The information below highlights how traffic violations and fender-benders can drive up insurance prices for different ages of insureds. The premium estimates are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.
In the previous chart, the average cost of car insurance in Virginia per year with no violations or accidents is $1,269. Get written up for one speeding ticket and the average cost increases to $1,437, an increase of $168 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of car insurance for government employees goes up to an average of $1,908. That’s an increase of $639, or $53 per month, just for being a careless driver!
How to find economical auto insurance for government employees
It is possible to find better rates, and here are some of the better penny-pinching solutions that can help Virginia Beach drivers get low-cost car insurance.
- Do not waste money insuring older vehicles for full coverage
- Bundle home and auto and earn a discount
- Vehicles with safetly features generally cost less to insure
- Improve your credit
- Staying accident-free helps keep rates low
- Shop your coverage around for the best deal
That last piece of advice is particularly critical, as was stressed in the prior information. Auto insurance prices in Virginia Beach can change in a short period of time, so drivers shouldn’t hesitate to buy a different policy if a cheaper price is available. Brand loyalty is not necessarily bad, but it’s not a great idea if that loyalty results in overpaying money that could be going to better use. If you have a few minutes, shop around to find cheaper car insurance for government employees.
The agents shown below are a good start to help you make a decision which auto insurance coverages would be the best in your situation, since many consumers aren’t sure which coverage to buy and prefer to have some advice when comparing insurance rates for government employees. It can be time-consuming to find the cheapest rate yourself, and getting professional guidance from a licensed agent can provide you comfort knowing your policy gives you adequate coverage if you have an accident or claim. To find a Virginia Beach insurance agency close to you, click the link after the list or click here to compare price quotes.
Nationwide Insurance: Matthew Clifton Roenker Agency
4870 Haygood Rd Ste 108 – Virginia Beach, VA 23455 – (757) 671-1111
Frank Owens – State Farm Insurance Agent
1776 Laskin Rd #102 – Virginia Beach, VA 23454 – (757) 428-3101
301 Bendix Rd #300 – Virginia Beach, VA 23452 – (757) 468-6100
Bill Wright – State Farm Insurance Agent
4316 Virginia Beach Blvd – Virginia Beach, VA 23452 – (757) 486-4000
GEICO Insurance Agent
4389 Virginia Beach Blvd – Virginia Beach, VA 23462 – (757) 583-2200