It’s well known that car insurance companies want to keep you from comparing prices. Drivers who shop around for the cheapest rate are highly likely to switch insurance companies because there is a high probability of getting low-cost coverage. A recent survey found that people who regularly compared price quotes saved $865 a year compared to policyholders who never compared other company’s rates.
If finding the most affordable insurance in Virginia Beach is the reason you’re reading this, then having an understanding of how to get rate quotes and compare insurance can help make the process easier.
If you want to save the most money, the best way to get low-cost auto insurance rates in Virginia Beach is to do a yearly price comparison from companies who sell insurance in Virginia. Prices can be compared by completing these steps.
- Step 1: Read about how car insurance works and the changes you can make to lower rates. Many factors that increase rates like speeding tickets, careless driving and a low credit rating can be rectified by paying attention to minor details. Continue reading for information to help prevent high rates and get additional discounts that may have been overlooked.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while independent agencies can quote prices from many different companies.
- Step 3: Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you find better rates, ensure there is no coverage lapse between policies.
One bit of advice is to make sure you’re comparing similar deductibles and liability limits on each quote and and to analyze as many car insurance companies as possible. Doing this guarantees a fair rate comparison and a thorough price selection.
Most of the larger companies allow consumers to get insurance quotes on the web. Getting online rates for Chevy Uplander insurance in Virginia Beach is fairly straightforward because it’s just a matter of typing in your coverage information as requested by the quote form. After you submit the form the company’s rating system will obtain information on your driving record and credit history and returns a price.
Getting online rates for Chevy Uplander insurance in Virginia Beach makes comparing rates easy, and it’s absolutely necessary to compare as many rates as possible in order to get the best possible rates on insurance.
In order to find out how much you can save on insurance, compare rates now from the companies shown below. If you currently have coverage, we recommend that you enter the insurance coverages as close as possible to your current policy. Doing this guarantees you will get comparison quotes based on the exact same insurance coverage.
The companies shown below are our best choices to provide free quotes in Virginia. To find the cheapest car insurance in Virginia Beach, we recommend you visit as many as you can in order to find the cheapest rates.
Affordable Virginia Beach car insurance rates with discounts
Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that many people don’t even know exist. A few discounts will be applied at quote time, but occasionally some discounts must be specially asked for prior to receiving the credit. If you do not double check each discount possible, you are paying more than you should be.
- E-sign – A handful of larger companies will give a small break for buying your policy on their website.
- Active Service Discounts – Being on active deployment in the military could be rewarded with lower rates.
- Professional Organizations – Joining a qualifying organization may earn a discount on your bill.
- Auto/Home Discount – If you can combine your auto and homeowners policy and place coverage with the same company you may save approximately 10% to 15%.
- College Student – Children living away from Virginia Beach attending college and do not have access to a covered vehicle may qualify for this discount.
Discounts lower rates, but many deductions do not apply to the whole policy. Most cut specific coverage prices like medical payments or collision. Just because you may think you can get free auto insurance, it’s just not the way it works.
Some of the larger companies who might offer most of the discounts above include:
Double check with every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered in Virginia Beach. To locate insurers that offer discounts in Virginia Beach, follow this link.
Car insurance quotes from local Virginia Beach insurance agencies
Certain consumers prefer to go talk to an agent and there is nothing wrong with that. Most agents are highly skilled in risk management and will help you if you have claims. A good thing about comparing insurance prices online is you can get lower prices and also buy local. Buying insurance from neighborhood insurance agencies is still important in Virginia Beach.
To find an agent, once you fill out this simple form, your insurance coverage information is immediately sent to agents in your area who can give free rate quotes for your coverage. You won’t need to search for any insurance agencies since rate quotes are delivered to the email address you provide. If you need to get a comparison quote from a specific car insurance provider, don’t hesitate to find their quoting web page and give them your coverage information.
How to choose the best auto insurance agent in Virginia Beach
If you prefer to buy car insurance from a reliable insurance agency, there are two types of insurance agents that you can choose from. Agents can be classified as either independent (non-exclusive) or exclusive. Either can insure your vehicles, but it’s important to point out why they differ because it may have an impact on the kind of agent you use.
Independent Car Insurance Agents
Independent insurance agents are appointed with more than one company and that allows them to write policies with an assortment of companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier which is easy for the insured. If you are comparing car insurance prices, you definitely need to include rate quotes from several independent agencies to ensure the widest selection of prices. Many independent agencies also insure through lesser-known insurance companies who may have lower rates.
Listed below are Virginia Beach independent insurance agents that may be able to give you price quote information.
- Bordeaux Insurance Agency
4654 Haygood Rd – Virginia Beach, VA 23455 – (757) 460-6220 – 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 Agencies
Agents that choose to be exclusive work for only one company and some examples include Allstate, Farmers Insurance or State Farm. They are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents are usually well trained on sales techniques which aids in selling service over price. Many people use the same agent partially due to loyalty to the company rather than having low rates.
The following is a short list of exclusive insurance agencies in Virginia Beach willing to provide rate quotes.
- State Farm: Paula Faivre
2052 S Independence Blvd #007 – Virginia Beach, VA 23453 – (757) 340-3999 – View Map - Rose Goheen – State Farm Insurance Agent
1112 Laskin Rd – Virginia Beach, VA 23451 – (757) 428-8002 – View Map - Michael Weeks – State Farm Insurance Agent
Shopping Ctr Ste 103, 979 Chimney Hill Pkwy – Virginia Beach, VA 23452 – (757) 463-2400 – View Map
Finding the right car insurance agent requires you to look at more than just the premium amount. The questions below may impact your decision as well.
- Will high miles depreciate repair valuations?
- Did they already check your driving record and credit reports?
- Is every driver in your family covered?
- Are they able to influence company decisions when a claim is filed?
- Where would your vehicle be repaired?
- Will the company cover a rental car if your car is getting fixed?
If you feel you receive satisfactory answers for all questions you ask as well as affordable Chevrolet Uplander insurance rates in Virginia Beach quotes, you may have found an insurance agency that meets the requirements to insure your vehicles.
Don’t assume everyone needs the same car insurance coverage
Keep in mind that when it comes to choosing coverage online or from an agent, there is no “perfect” insurance plan. Everyone’s needs are different and your car insurance should be unique as well.
For example, these questions could help you determine whether or not you would benefit from an agent’s advice.
- Will my Chevy Uplander be repaired with OEM or aftermarket parts?
- Are rock-chip repairs free?
- Does my liability insurance cover pulling a trailer or camper?
- Does my personal policy cover me when driving out-of-state?
- Do I have coverage when making deliveries for my home business?
- Are my friends covered when driving my car?
- Are my friends covered when driving my Chevy Uplander?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Car insurance coverage information
Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills like X-ray expenses, doctor visits and EMT expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Uplander.
Since a lot of drivers have only the minimum liability required by law (25/50/20 in Virginia), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Liability – Liability insurance provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/20 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $20,000 of coverage for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for claims such as structural damage, emergency aid, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but buy higher limits if possible. Virginia state minimum liability requirements are 25/50/20 but you should consider buying more liability than the minimum.
The chart below demonstrates why buying low liability limits may not be adequate.
Collision coverage – This coverage covers damage to your Uplander resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as driving through your garage door, hitting a mailbox, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible on your Uplander in order to get cheaper collision rates.
Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as vandalism, falling objects, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Smart shoppers get results
When getting Virginia Beach car insurance quotes online, don’t be tempted to buy poor coverage just to save money. There are many occasions where an accident victim reduced liability coverage limits and learned later that they should have had better coverage. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.
Cheaper Chevy Uplander insurance in Virginia Beach can be purchased on the web in addition to many Virginia Beach insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not have online quoting and usually these small, regional companies sell through independent insurance agents.
Helpful information
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has the Cheapest Auto Insurance Rates for a Honda Accord in Virginia Beach? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Versa in Virginia Beach? (FAQ)
- Who Has Cheap Virginia Beach Car Insurance Quotes for Nurses? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)