How long have you put off shopping around for lower-priced car insurance rates in Virginia Beach, VA? Virginia Beach consumers have a choice when looking for affordable Lexus RC 300 insurance. They can either waste time struggling with agents getting price quotes or use the internet to get rate quotes.
There are more efficient ways to shop for car insurance so you’re going to learn the best way to get price quotes for a Lexus and find the best price possible from both online companies and Virginia Beach agents.
Astonishing but true according to a recent study, the vast majority of consumers have remained with the same car insurance company for more than four years, and just short of a majority have never compared rates with other companies. Virginia consumers could save themselves as much as $500 a year just by shopping around, but most just don’t grasp the amount of savings they would get if they bought a different policy.
This article will introduce you to how to compare rates easily and how to save the most money. If you currently have auto insurance, you will be able to lower your rates using these methods. Drivers just need to learn the best way to find the lowest price online.
All the larger insurance companies make it easy to get coverage price quotes on the web. This process is quite simple as you simply type in your coverage preferences as detailed in the form. Upon sending the form, their system will obtain reports for credit and driving violations and generates pricing information based on these factors.
The ability to get online price quotes for Lexus RC 300 insurance in Virginia Beach helps simplify price comparisons, and it is important to perform this step in order to get the best insurance rates.
To save time and find out what other companies charge, compare rates now from the companies shown below. If you have coverage now, it’s recommended you duplicate deductibles and limits as close as possible to your current policy. This makes sure you will have a rate comparison based on identical coverages.
The companies in the list below are ready to provide quotes in Virginia Beach, VA. To find the best auto insurance in Virginia Beach, it’s a good idea that you visit two to three different companies to get the best price comparison.
Get cheaper Lexus RC 300 insurance rates in Virginia Beach
Insuring your vehicles can cost a lot, but there could be significant discounts to cut the cost considerably. Many discounts should be triggered at the time of quoting, but a few need to be specifically requested before being credited. If you don’t get every credit you qualify for, you are throwing money away.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may save up to 20% and get you cheap RC 300 insurance.
- Student in College – Children living away from Virginia Beach attending college and don’t have a car can receive lower rates.
- Smart Student Discounts – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Air Bags and Passive Restraints – Factory air bags or motorized seat belts can receive discounts up to 30%.
- Senior Discount – Mature drivers may be able to get better insurance rates.
- Data Collection Discounts – Drivers that enable data collection to scrutinize driving patterns by using a telematics device like Allstate’s Drivewise could save a few bucks if they show good driving skills.
Discounts save money, but please remember that many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it’s just not the way it works.
A list of insurance companies and a summarized list of policyholder discounts are detailed below.
- State Farm may have discounts that include driver’s education, Steer Clear safe driver discount, passive restraint, good student, student away at school, multiple autos, and good driver.
- Progressive includes discounts for multi-policy, continuous coverage, good student, online quote discount, and multi-vehicle.
- Travelers offers premium reductions for early quote, good student, save driver, hybrid/electric vehicle, IntelliDrive, and multi-policy.
- American Family may offer discounts for early bird, good driver, good student, accident-free, and Steer into Savings.
- Liberty Mutual offers discounts including newly retired, exclusive group savings, new vehicle discount, hybrid vehicle, preferred payment discount, new move discount, and new graduate.
When quoting, ask every insurance company what discounts are available to you. Depending on the company, some discounts may not apply in your area. To see insurance companies that offer many of these discounts in Virginia Beach, click here.
Do I need an agent?
Many drivers just want to talk to an insurance agent and that can be a great decision Most agents can answer important questions and will help you if you have claims. The best thing about price shopping on the web is that you can find the lowest rates but also keep your business local. And supporting local insurance agents is definitely important in Virginia Beach.
By using this quick form, the coverage information is submitted to local insurance agents in Virginia Beach who will give you bids for your coverage. It’s much easier because you don’t need to drive around as quotes are delivered immediately to you. If you want to quote rates from one company in particular, you would need to jump over to their website to submit a rate quote request.
The difference between Virginia Beach auto insurance agents
When finding a local insurance agency, there are two types of insurance agents and how they can write your policy. Insurance agencies in Virginia Beach may be either independent agents or exclusive agents depending on their employer. Either type can insure your vehicles properly, but it’s worth mentioning the difference between them because it can impact your selection of an agent.
Independent Insurance Agencies
These type of agents do not sell for just one brand so they can quote policies through many different insurance companies enabling the ability to shop coverage around. If they find a lower price, they can switch companies in-house and you don’t have to switch agencies. When comparing insurance rates, we highly recommend that you get several quotes from multiple independent agents to maximize your price options. Many independent agencies also insure through lesser-known insurance companies which can save you money.
Below is a short list of independent agencies in Virginia Beach that may be able to give you competitive price quotes.
- Nationwide Insurance: The Braun Agency Inc
6062 Indian River Rd Ste 101 – Virginia Beach, VA 23464 – (757) 420-2060 – View Map
- The Coelho insurance agency
800 Seahawk Cir #142 – Virginia Beach, VA 23452 – (757) 437-9647 – View Map
- Insurance Strategies – The Cooksey Agency
780 Lynnhaven Pkwy #400 – Virginia Beach, VA 23452 – (757) 819-6896 – View Map
Exclusive Insurance Agents
Agents of this type work for only one company like Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive insurance agents are well trained on the products they sell which aids in selling service over price. Consumers frequently buy from exclusive agents mostly because of high brand loyalty and the convenience of having all coverages with one company.
Shown below is a short list of exclusive agencies in Virginia Beach willing to provide comparison quotes.
- Ken Crowder – State Farm Insurance Agent
5802 E Virginia Beach Blvd #128 – Norfolk, VA 23502 – (757) 461-2027 – View Map
- GEICO Insurance Agent
4389 Virginia Beach Blvd – Virginia Beach, VA 23462 – (757) 583-2200 – View Map
- Jane Peak – State Farm Insurance Agent
315 N Great Neck Rd #220 – Virginia Beach, VA 23454 – (757) 340-8060 – View Map
Picking an car insurance agent shouldn’t rely on just a cheap quote. The answers to these questions are important, too.
- How many years have they been established?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How are they compensated?
- Is the coverage adequate for your vehicle?
- Which insurance companies are they affiliated with?
- Does the company have a local claim office in Virginia Beach?
Upon receiving answers to your satisfaction to all your questions and an acceptable price quote, you’ve probably found an auto insurance agent that meets the requirements to properly insure your vehicles.
Virginia car insurance companies
Selecting a high-quality car insurance company can be challenging considering how many choices drivers have in Virginia Beach. The information displayed below can help you pick which companies you want to consider purchasing coverage from.
Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Specific coverage details
Knowing the specifics of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Coverage for medical expenses
Med pay and PIP coverage kick in for immediate expenses for chiropractic care, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive auto insurance
Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as vandalism, hitting a bird and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability insurance can cover injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/20 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $20,000 of coverage for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as court costs, medical services and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible. Virginia state minimum liability requirements are 25/50/20 but drivers should carry more liability than the minimum.
The illustration below shows why buying minimum limits may not be adequate coverage.
Coverage for uninsured or underinsured drivers
This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lexus RC 300.
Because many people only purchase the least amount of liability that is required (25/50/20 in Virginia), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.
Collision insurance will pay to fix damage to your RC 300 resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like scraping a guard rail, damaging your car on a curb, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible on your RC 300 to bring the cost down.
Cheaper car insurance rates are available
People switch companies for a variety of reasons including delays in paying claims, poor customer service, extreme rates for teen drivers and even high rates after DUI convictions. Regardless of your reason, choosing a new company is not as hard as you think.
Cheaper car insurance in Virginia Beach can be sourced both online as well as from insurance agents, so you need to shop Virginia Beach auto insurance with both so you have a total pricing picture. Some companies do not offer online rate quotes and these regional carriers provide coverage only through independent insurance agencies.
As you quote Virginia Beach auto insurance, do not reduce coverage to reduce premium. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at the best cost while still protecting your assets.
How to quote cheaper Lexus RC 300 insurance in Virginia Beach
The recommended way to save on car insurance rates is to begin comparing prices regularly from insurance carriers in Virginia Beach.
Step 1: Get an understanding of coverages and the changes you can make to drop your rates. Many factors that result in higher prices such as at-fault accidents, careless driving, and a negative credit history can be amended by making lifestyle changes or driving safer.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple insurance companies.
Step 3: Compare the new rate quotes to the premium of your current policy to see if cheaper RC 300 coverage is available in Virginia Beach. If you find a lower rate quote, ensure there is no coverage lapse between policies.
One important bit of advice is that you’ll want to compare the same coverage limits and deductibles on each quote and and to get rate quotes from as many auto insurance providers as possible. Doing this ensures an accurate price comparison and many rates to choose from.
To read more, link through to the resources below:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- How Much are Car Insurance Rates for Drivers Requiring a SR22 in Virginia Beach? (FAQ)
- Who Has the Cheapest Virginia Beach Auto Insurance for Veterans? (FAQ)
- How Much are Auto Insurance Rates for a Toyota RAV4 in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Hyundai Elantra in Virginia Beach? (FAQ)
- What Insurance is Cheapest for a Subaru Forester in Virginia Beach? (FAQ)
- What Auto Insurance is Cheapest for Active Military in Virginia Beach? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- Crash Avoidance Technologies FAQ (iihs.org)