Car Insurance Quotes for a Chevy Silverado 3500HD in Virginia Beach

Anyone knows that car insurance companies don’t want you to compare rates. Drivers who compare other rates will most likely buy a new policy because they have good chances of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who shopped around annually saved an average of $3,450 over four years compared to policyholders who never compared other company’s rates.

If finding the best price on insurance in Virginia Beach is the reason you’re here, then knowing how to choose a company and compare insurance premiums can save time and money.

To save the most money, the best way to get discount Chevy Silverado 3500HD insurance in Virginia Beach is to regularly compare prices from insurers who can sell car insurance in Virginia.

1. Take a little time to learn about car insurance and the measures you can control to keep rates down. Many rating factors that result in higher rates like speeding tickets, accidents and a lousy credit rating can be eliminated by making minor changes in your lifestyle. Later in this article we will cover more information to find cheap prices and get bigger discounts that may have been overlooked.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for many different companies.
3. Compare the new rate quotes to your existing coverage to see if cheaper Silverado 3500HD coverage is available in Virginia Beach. If you find better rates and make a switch, make sure there is no coverage gap between policies.

The key thing to remember is that you’ll want to compare identical limits and deductibles on every price quote and and to get price estimates from as many companies as possible. Doing this enables an accurate price comparison and plenty of rates choose from.

Buying the cheapest car insurance in Virginia Beach can really be easy if you know what you’re doing. If you have coverage now or just want cheaper coverage, use these cost-cutting techniques to cut your premiums without reducing coverage. Consumers just need to understand the most efficient way to quote multiple rates on the web.

Determine discounts to get cheap Virginia Beach insurance rates

Insurance is expensive, but there could be significant discounts that many people don’t even know exist. Some discounts will apply when you quote, but a few need to be asked for before they will apply.

• Driver Education Discount – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
• Waiver for an Accident – Not a discount per se, but companies like State Farm and Progressive may permit one accident without getting socked with a rate hike if you have no claims before the accident.
• Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of more than 20%.
• Save with a New Car – Insuring a vehicle that is new can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

The example below visualizes the comparison of Chevy Silverado 3500HD insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims, a clean driving record, Virginia state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, claim-free, multi-policy, and safe-driver discounts applied.

A few companies that may include most of the discounts above possibly include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

When comparing rates, check with all companies you are considering which discounts you qualify for. Savings may not apply to policyholders in Virginia Beach.

The fastest way that we advise to get policy rate comparisons for Chevy Silverado 3500HD insurance in Virginia Beach utilizes the fact all the major auto insurance companies allow for online access to compare their rates. To get started, all you need to do is give them rating details like coverage limits, any included safety features, the ages of drivers, and if a SR-22 is required. That rating data gets transmitted to multiple auto insurance providers and they respond with quotes instantly to find the best rate.

To start a quote now, click here and complete the form.

The companies shown below have been selected to offer price comparisons in Virginia Beach, VA. To locate cheap auto insurance in Virginia Beach, VA, it’s a good idea that you visit two to three different companies to get the most affordable price.

Chevy Silverado 3500HD insurance coverage information

The rate information shown below highlights detailed analysis of coverage prices for Chevy Silverado 3500HD models. Being more informed about how car insurance prices are determined can help drivers make smart buying decisions.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle location which can decrease or increase premiums greatly.

Higher deductibles lower rates

One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The data tables below lay out the differences in price when you select higher and lower comp and collision deductibles. The first set of prices uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in vehicle garaging location which can revise price quotes greatly.

Based on these figures, using a $100 deductible could cost the average driver approximately $33 more each month or $396 each year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 27 months between claim filings, you would probably save some money if you opt for a higher deductible.

Car insurance is unique, just like you

Always remember that when buying insurance from an agent or online, there really isn’t a “perfect” insurance plan. Your financial needs are unique so your insurance needs to address that.
For example, these questions can help discover if your situation will benefit from professional help.

• Does my medical payments coverage pay my health insurance deductible?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Why do I have to buy liability insurance?
• Should I waive the damage coverage when renting a car?
• Why does it cost so much to insure a teen driver in Virginia Beach?
• Can I rent a car in Mexico?
• When does my teenage driver need to be added to my policy?
• When do I need to add a new car to my policy?
• Does insurance cover damages from a DUI accident?
• What can I do if my company won’t pay a claim?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Compare rates but buy from a neighborhood Virginia Beach auto insurance agent

A lot of people still prefer to have an agent’s advice and that is OK! Agents can answer important questions and help submit paperwork. One of the great benefits of price shopping on the web is that you can find the lowest rates and still have a local agent.

Upon completion of this simple form, your insurance coverage information is emailed to agents in your area who will give you bids and help you find cheaper coverage. It makes it easy because there is no need to drive around since price quotes are sent instantly to you. If you wish to quote rates from one company in particular, you just need to search and find their rate quote page and fill out the quote form the provide.

Finding the right insurer is decision based upon more than just a low price. Below are some questions you should ask.

• Does the company use OEM repair parts?
• Does the agent have a valid license to sell insurance in Virginia?
• Is the coverage adequate for your vehicle?
• Does the agency have a current Errors and Omissions policy?
• How much training do they have in personal risk management?
• What companies can they write with?
• Are they paid to recommend certain coverages?

Two different types of auto insurance agents

When looking for a reputable agency, you need to know there are two types of agencies and how they are distinctly different. Agents can be classified as either independent or exclusive depending on the company they work for. Either can provide car insurance policies, but it’s worth learning how they are different since it could factor into your selection of an agent.

Exclusive Car Insurance Agents

Agents in the exclusive channel can only place business with one company and examples are State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. They are usually well trained in insurance sales which helps them compete with independent agents.

Shown below is a list of exclusive agencies in Virginia Beach willing to provide price quotes.

View more agents

Independent Car Insurance Agencies

Independent insurance agents are not locked into one company and that allows them to write policies with lots of companies depending on which coverage is best. If premiums increase, an independent agent can move your coverage and that require little work on your part. If you need cheaper car insurance rates, you will definitely want to get insurance quotes from a couple of independent agencies so that you can do a thorough price comparison.

Shown below are independent insurance agents in Virginia Beach willing to provide rate quotes.

View more agents

Best auto insurance company in Virginia

Ending up with the best company can be rather challenging considering how many different companies there are to choose from in Virginia. The rank data shown next may help you select which providers to look at when comparing rate quotes.

Top 10 Virginia Beach Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Do the work, save more money

As you quote Virginia Beach car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where someone dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

Cheap Chevy Silverado 3500HD insurance in Virginia Beach can be sourced on the web and from local agencies, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get a quote online and usually these smaller companies work with independent insurance agents.

For more information, feel free to visit these articles:

• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• How Much are Car Insurance Rates for Drivers Requiring a SR22 in Virginia Beach? (FAQ)
• What Car Insurance is Cheapest for 18 Year Olds in Virginia Beach? (FAQ)
• How Much is Car Insurance for Drivers with a DUI in Virginia Beach? (FAQ)
• Who Has Cheap Virginia Beach Car Insurance Quotes for Nurses? (FAQ)
• How Much is Auto Insurance for College Students in Virginia Beach? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Virginia Beach? (FAQ)
• Rental Car Insurance Tips (Insurance Information Institute)
• What is Covered by GAP Insurance? (Allstate)
• Frontal Crash Tests (iihs.org)
• Safety Belts FAQ (iihs.org)