If you want to find the absolute lowest rates, then the best way to get discount car insurance rates in Virginia Beach is to start comparing rates regularly from companies who can sell car insurance in Virginia. This can be done by following these steps.
Step 1: Try to comprehend car insurance and the steps you can take to keep rates in check. Many rating factors that cause rate increases like speeding tickets, accidents and a low credit score can be rectified by making minor driving habit or lifestyle changes.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of companies.
Step 3: Compare the price quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Give notification to your current company of your intent to cancel your existing policy. Submit a down payment along with a completed application for the new policy. Immediately put the certificate verifying proof of insurance somewhere easily accessible.
The key aspect of shopping around is that you use the same deductibles and limits on every quote and and to compare as many carriers as you can. This provides a fair rate comparison and a thorough price selection.
Unthinkable but true, a large majority of consumers have stayed with the same insurance company for more than four years, and nearly 40% of drivers have never shopped around. Virginia consumers can save hundreds of dollars each year by just comparing rate quotes, but they just assume it’s a time-consuming process to find affordable rates by getting comparison quotes.
The providers in the list below have been selected to offer free quotes in Virginia Beach, VA. To locate cheap car insurance in Virginia Beach, VA, we suggest you get prices from several of them to find the lowest car insurance rates.
Buying the right Passat insurance in Virginia is an important decision
Despite the fact that auto insurance is not cheap in Virginia Beach, buying auto insurance is required for several reasons.
- Almost all states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance coverage if you want to drive 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 you have a lien on your Passat, most banks will stipulate that you buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may insure your Volkswagen at an extremely high rate and force you to reimburse them the higher price.
- Auto insurance protects your Volkswagen Passat and your assets. It will also cover hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Volkswagen as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance definitely exceed the cost, particularly for liability claims. Unknowingly, the average driver is wasting up to $750 every year so compare rate quotes at every policy renewal to make sure the price is not too high.
Detailed insurance information
The price information shown below showcases estimates of coverage costs for Volkswagen Passat models. Learning how car insurance prices are determined is important to be able to make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Passat Komfort Station Wagon | $166 | $292 | $226 | $14 | $68 | $766 | $64 |
| Passat Komfort 4-Dr Sedan | $166 | $292 | $266 | $16 | $80 | $820 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in your specific Virginia Beach location which can revise rates significantly.
Deductible analysis
One common question asked by Virginia Beach drivers is which deductibles should you choose. The premium rates below show the differences in premium rates between low and high insurance deductibles. The first data set uses a $100 physical damage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Passat Komfort Station Wagon | $250 | $472 | $218 | $12 | $66 | $1,043 | $87 |
| Passat Komfort 4-Dr Sedan | $250 | $472 | $258 | $16 | $78 | $1,099 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Passat Komfort Station Wagon | $182 | $318 | $218 | $12 | $66 | $796 | $66 |
| Passat Komfort 4-Dr Sedan | $182 | $318 | $258 | $16 | $78 | $852 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in specific zip code location which can raise or lower auto insurance rates greatly.
We can derive from the above data that using a $100 deductible costs an average of $21 more each month or $252 each year than requesting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 19 months between claims, you would save money by going with a higher deductible.
The example below demonstrates how choosing different deductibles and can affect Volkswagen Passat insurance prices for each age group. The data is based on a married male driver, full coverage, and no discounts are applied.
Reckless driving habits raise Virginia Beach car insurance rates
The example below illustrates how violations and fender-benders can raise Volkswagen Passat annual premium costs for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
Save a ton with discounts
Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Some trigger automatically when you purchase, but some discounts are required to be specially asked for before they will apply. If you aren’t receiving every discount you qualify for, you are just wasting money.
- Telematics Data Discounts – Policyholders that allow data collection to track driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates as long as they are good drivers.
- Paperless Signup – Certain insurance companies may give you up to $50 shop Virginia Beach car insurance on the web.
- Discounts for Government Workers – Active or former government employment can earn a discount up to 10% with certain companies.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
- Bundle and Save – When you combine your home and auto insurance and insure them with the same company you may earn approximately 10% to 15%.
- Cautious Drivers – Drivers without accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Life Insurance Discount – Not all car insurance companies offer life insurance, but some may give you lower car insurance rates if you buy auto and life insurance together.
You can save money using discounts, but most discounts do not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount should definitely cut your car insurance premiums.
The information below shows the difference between Volkswagen Passat insurance premiums with and without discounts applied to the policy premium. Data assumes a female driver, a clean driving record, no at-fault accidents, Virginia state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, multi-car, and marriage discounts applied.
Large car insurance companies and some of the discounts can be read below.
- The Hartford includes discounts for bundle, good student, anti-theft, driver training, air bag, vehicle fuel type, and defensive driver.
- American Family offers premium reductions for defensive driver, mySafetyValet, good driver, Steer into Savings, and bundled insurance.
- Progressive may have discounts that include continuous coverage, multi-policy, homeowner, multi-vehicle, good student, and online signing.
- Travelers offers discounts including new car, IntelliDrive, student away at school, payment discounts, hybrid/electric vehicle, and multi-car.
- Farmers Insurance may include discounts for multi-car, youthful driver, teen driver, early shopping, and good student.
- USAA policyholders can earn discounts including vehicle storage, defensive driver, annual mileage, new vehicle, safe driver, and loyalty savings.
- Liberty Mutual may offer discounts for newly retired, hybrid vehicle, preferred payment discount, new graduate, multi-policy, new move discount, and exclusive group savings.
If you are trying to find affordable Virginia Beach car insurance quotes, ask each company or agent how many discounts you can get. Some discounts may not apply to policies in your area.
Are insurance agents obsolete?
Some consumers just prefer to get professional advice from a licensed agent and doing so can bring peace of mind Licensed agents are highly skilled in risk management and help you file claims. One of the great benefits of comparing insurance online is that you can obtain lower car insurance rates but still work with a licensed agent.
To help locate an agent, after submitting this quick form, your information is submitted to agents in your area that can provide free Virginia Beach car insurance quotes to get your business. You won’t need to find an agent on your own since price quotes are sent to you. In the event you want to get a price quote from a specific insurance provider, you just need to go to their quote page and complete a quote there.
Choosing an provider should depend on more than just a low price. These are some questions you should get answers to.
- Can glass claims be handled at your home?
- If you are a high risk driver, do they have special markets for your coverage?
- When do they do a full risk review?
- Will the agent help in case of a claim?
- Are they full-time agents?
- Do they see any coverage gaps in your plan?
- What insurance companies do they recommend if they are an independent agent?
- Do they have designations such as AIC, CPCU, or CIC?
Compare rates from both independent and exclusive auto insurance agents
If you are wanting to find a reliable insurance agency, you should know the different types of agencies that you can choose from. Insurance agencies are classified as either exclusive agents or independent agents. Both insure your vehicles properly, but it’s worth mentioning how they differ since it may influence the kind of agent you use.
Exclusive Insurance Agencies
Exclusive agents can only quote rates from one company like Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide prices from multiple companies so you might not find the best rates. They are usually quite knowledgeable on sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from exclusives partially due to the brand and strong financial ratings.
Listed below is a list of exclusive agents in Virginia Beach that are able to give price quotes.
- Larry Akers – State Farm Insurance Agent
928 Diamond Springs Rd Ste 131 – Virginia Beach, VA 23455 – (757) 497-3853 – View Map - John White State Farm®
1776 Princess Anne Rd – Virginia Beach, VA 23456 – (757) 426-2886 – View Map - Stephanie Langkil – State Farm Insurance Agent
5441 Virginia Beach Blvd #115 – Virginia Beach, VA 23462 – (757) 499-3411 – View Map
View more Virginia Beach agents
Independent Insurance Agents
Agents that choose to be independent are not locked into one company and that allows them to write policies with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply switch companies in-house and that require little work on your part. If you need cheaper insurance rates, we recommend you include price quotes from multiple independent agents to ensure the widest selection of prices. Most have the option of insuring with smaller mutual companies that can offer cheaper rates than bigger companies.
Shown below are Virginia Beach independent agents who can help you get price quotes.
- WBR Insurance
3213 Virginia Beach Blvd – Virginia Beach, VA 23452 – (757) 340-0028 – View Map - Nationwide Insurance: The Braun Agency Inc
6062 Indian River Rd Ste 101 – Virginia Beach, VA 23464 – (757) 420-2060 – View Map - Towne Insurance
301 Bendix Rd #300 – Virginia Beach, VA 23452 – (757) 468-6100 – View Map
View more Virginia Beach agents
More quotes mean more insurance savings
Affordable Volkswagen Passat insurance in Virginia Beach can be purchased online in addition to local insurance agencies, and you should be comparing both to have the best selection. Some insurance companies do not offer internet price quotes and usually these small, regional companies sell through local independent agents.
Insureds switch companies for a number of reasons such as delays in responding to claim requests, not issuing a premium refund, high rates after DUI convictions or questionable increases in premium. Regardless of your reason, switching companies is easier than you think.
As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability coverage limits and discovered at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.
Other learning opportunities
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has Affordable Virginia Beach Auto Insurance Quotes for Electric Cars? (FAQ)
- Who Has the Cheapest Virginia Beach Car Insurance Rates for Drivers with Bad Credit? (FAQ)
- How Much are Virginia Beach Auto Insurance Rates for a Jeep Wrangler? (FAQ)
- How Much is Car Insurance for a Ford Fusion in Virginia Beach? (FAQ)
- Safety Belts FAQ (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)