How many years has it been since you compared lower-priced Buick Rainier insurance in Virginia Beach? Sick and tired of scraping nickels together to pay your car insurance bill each month? You are in the same boat as many other people in Virginia.
A recent study showed that about 70% of customers have bought car insurance from the same company for at least four years, and roughly 40% of drivers have never quoted car insurance rates at all. Virginia Beach insurance shoppers can cut their rates by nearly $500 a year by just shopping around, but they feel it’s too difficult to find affordable car insurance rates.
Numerous insurers battle for your insurance dollar, and because of this it can be hard to compare insurance companies to find the absolute lowest cost out there.
Consumers should take time to do price comparisons before your policy renews since insurance prices are constantly changing. Just because you had the best quotes on Buick Rainier insurance in Virginia Beach a year ago there may be better deals available now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the quickest way to eliminate unnecessary coverages and save money on Buick Rainier insurance in Virginia Beach.
To find more affordable quotes, there are a couple of ways of comparing price quotes from all the different companies. The best way to find the lowest Buick Rainier rates is to get quotes online.
Getting free quotes online is quite simple, and it makes it a waste of time to actually drive to and from local insurance agencies. The fact that you can get quotes online eliminates the need for an insurance agent unless you want the peace of mind of a licensed agent. Although, it is possible price shop online and get advice from an agent in your area.
When quoting insurance, remember that comparing more quotes helps increase your odds of locating better pricing.
The companies shown below have been selected to offer free quotes in Virginia. To get cheap auto insurance in VA, we suggest you compare several of them to find the most affordable car insurance rates.
Auto insurance is not optional in Virginia
Even though it’s not necessarily cheap to insure a Buick in Virginia Beach, paying for auto insurance is required in Virginia but also provides important benefits.
- Most states have minimum liability requirements which means state laws require a specific level of liability in order to drive the car legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If your Rainier has a loan, it’s guaranteed your bank will require you to buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Buick for a lot more money and force you to pay much more than you were paying before.
- Insurance safeguards not only your Buick Rainier but also your financial assets. It will also cover many types of medical costs incurred in an accident. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.
The benefits of having insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in Virginia overpays more than $865 each year so it’s very important to do a rate comparison every year to make sure the price is not too high.
Car insurance coverage information
Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Buick Rainier.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/20 in Virginia), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as fire damage, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for liability
Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/20 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $20,000 of coverage for damaged property.
Liability insurance covers things such as bail bonds, repair costs for stationary objects, medical expenses and legal defense fees. How much coverage you buy is up to you, but consider buying higher limits if possible. Virginia state minimum liability requirements are 25/50/20 but drivers should carry higher limits.
The next chart demonstrates why minimum state limits may not be high enough to cover claims.
Collision insurance pays for damage to your Rainier resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as colliding with a tree, damaging your car on a curb, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your Rainier to get cheaper collision coverage.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for bills for things like doctor visits, nursing services, EMT expenses and X-ray expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Car insurance companies ranked
Insuring your vehicle with the highest-rated auto insurance company is hard considering how many companies sell coverage in Virginia Beach. The company ratings displayed below can help you select which auto insurers to look at buying from.
Top 10 Virginia Beach Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance