It’s an obvious statement that insurance companies want to keep you from shopping around. Consumers who shop around for cheaper price quotes are very likely to switch insurance companies because there is a good probability of finding a policy with more affordable rates. A recent survey revealed that people who compared prices regularly saved as much as $850 each year compared to policyholders who never shopped for cheaper rates.
If finding low prices for insurance is your target objective, then having a grasp of how to find and compare cheaper coverage can make it easier to find better rates.
It takes a little time, but the best way to get budget auto insurance rates is to regularly compare quotes from companies in Virginia Beach. Rates can be compared by completing these steps.
First, try to understand how car insurance works and the modifications you can make to drop your rates. Many rating criteria that are responsible for high rates like accidents, careless driving, and bad credit can be controlled by paying attention to minor details.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of insurance providers.
Third, compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save some money, ensure there is no coverage lapse between policies.
Fourth, notify your agent or company to cancel your current policy. Submit any necessary down payment along with the completed application to the new company. As soon as coverage is bound, put the new certificate verifying proof of insurance in your glove compartment.
The key aspect of shopping around is that you’ll want to compare the same liability limits and deductibles on every quote request and and to get rates from as many companies as feasibly possible. This enables an accurate price comparison and the best price selection.
Companies offering Jaguar X-Type insurance in Virginia Beach
The companies in the list below have been selected to offer free quotes in Virginia Beach, VA. To find cheaper auto insurance in VA, we suggest you click on several of them to get the lowest price.
Slash rates with these five premium slashing discounts
Car insurance is easily one of your largest bills, but you might already qualify for some discounts to help bring down the price. Certain reductions will be credited when you purchase, but a few need to be requested specifically prior to getting the savings.
- Homeowners Savings – Owning your own home or condo may earn you a small savings since home ownership demonstrates responsibility.
- Safe Drivers – Drivers who avoid accidents can save as much as half off their rates than drivers with accidents.
- Mature Driver Discount – Drivers that qualify as senior citizens may be able to get better car insurance rates.
- Anti-lock Brakes – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more on X-Type insurance in Virginia Beach.
- Early Signing – A few insurance companies give discounts for renewing your policy prior to the expiration date on your current X-Type insurance policy. Ten percent is about the average savings.
Discounts lower rates, but some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, you aren’t that lucky. Any qualifying discounts will definitely lower the cost of coverage.
Some of the larger companies who might offer most of the discounts above include:
When getting a coverage quote, ask each company or agent which discounts can lower your rates. Some credits may not apply to policies in Virginia Beach. If you would like to see a list of insurers with the best Jaguar X-Type insurance discounts in Virginia, click here to view.
Local Virginia Beach insurance agencies and car insurance
Some people still like to buy from a local agent and that can be a great decision One of the best bonuses of price shopping on the web is that you can obtain cheaper premium rates but also keep your business local.
After completing this simple form, the quote information is emailed to insurance agents in Virginia Beach who will gladly provide quotes for your coverage. It’s much easier because you don’t need to search for an agent because prices are sent to the email address you provide. You can find lower rates and work with a local agent. If for some reason you want to compare rates from one company in particular, you just need to visit that company’s website and fill out their quote form.
Selecting an company should depend on more than just the bottom line cost. Below are some questions you should ask.
- Will you get a loaner vehicle if you car is being repaired?
- How many companies do they write for?
- How is replacement cost determined on your vehicle?
- Does the agent have a valid license to sell insurance in Virginia?
- What are their preferred companies if they are an independent agency?
- Do you qualify for any additional discounts?
- How much experience to they have in personal lines coverages?
How to choose the best auto insurance agent in Virginia Beach
If you want an insurance agent, it’s helpful to know the different types of agents and how they differ in how they can insure your vehicles. Agents can be categorized as either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Agents in the exclusive channel are contracted to one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive agents are well trained on their company’s products and that allows them to sell at a higher price point. Consumers sometimes buy insurance from these agents mainly due to the prominence of the brand and solid financial strength.
Shown below is a short list of exclusive insurance agents in Virginia Beach that are able to give comparison quotes.
- Tim Johnson – State Farm Insurance Agent
700 Independence Blvd – Virginia Beach, VA 23455 – (757) 499-0550 – 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
- Allstate Insurance: Ralph M. Rios
2492 N Landing Rd #101 – Virginia Beach, VA 23456 – (757) 467-2800 – View Map
Independent Car Insurance Agents
Independent insurance agents often have affiliation with several companies and that is an advantage because they can write policies through many different car insurance companies and find you the best rates. If your premiums go up, your agent can just switch to a different company which requires no work on your part. If you need lower rates, it’s recommended you get some free quotes from at least one independent agent to have the best price comparison. Many write coverage with companies that do not advertise much that may have much lower rates than larger companies.
Listed below are Virginia Beach independent insurance agencies who can help you get price quote information.
- Nationwide Insurance: Guzman Insurance Agency Inc
1920 Centerville Turnpike Ste 97 – Virginia Beach, VA 23464 – (757) 479-0551 – View Map
- Toby Leffel Insurance Agency
921 First Colonial Road #1703 – Virginia Beach, VA 23454 – (757) 481-9105 – View Map
- Nationwide Insurance: Bob McCrearyh CLU Insurance Agency, Inc.
533 Newtown Rd #112 – Virginia Beach, VA 23462 – (757) 497-1899 – View Map
Upon getting satisfactory answers to your questions and low cost Jaguar X-Type insurance quotes, it’s possible that you found an insurance agent that meets the criteria to provide car insurance coverage. Keep in mind consumers can cancel coverage when you choose so don’t feel you’re contractually obligated to a policy for any length of time.
Information about specific coverages
Learning about specific coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.
Collision coverage will pay to fix damage to your X-Type caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like driving through your garage door, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible on your X-Type to get cheaper collision coverage.
Liability car insurance
This coverage protects you from damage that occurs to people or other property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/20 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $20,000 for damage to vehicles and property.
Liability coverage protects against claims like repair bills for other people’s vehicles, emergency aid, bail bonds, medical expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible. Virginia requires minimum liability limits of 25/50/20 but you should consider buying more liability than the minimum.
The next chart demonstrates why minimum state limits may not provide adequate coverage.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Jaguar X-Type.
Since many Virginia drivers only purchase the least amount of liability that is required (which is 25/50/20), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, hospital visits, chiropractic care and EMT expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive car insurance
This covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hitting a deer, fire damage, damage from getting keyed, rock chips in glass and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
One last thing about your coverage
We just presented a lot of techniques to shop for Jaguar X-Type insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. You may even find the most savings is with an unexpected company.
Budget-conscious Jaguar X-Type insurance is attainable both online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not offer rates over the internet and most of the time these regional insurance providers only sell through independent agents.
Consumers change insurance companies for a variety of reasons including high prices, policy non-renewal, lack of trust in their agent and even delays in paying claims. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.