If you want to save money, the best way to find more affordable car insurance rates in Virginia Beach is to compare quotes annually from providers in Virginia. Drivers can shop around by completing these steps.
- Spend a few minutes and learn about the different coverages in a policy and the steps you can take to keep rates low. Many factors that drive up the price such as speeding and a low credit score can be amended by making lifestyle changes or driving safer.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while independent agents can provide rate quotes from multiple sources.
- Compare the price quotes to your current policy premium to see if a cheaper rate is available in Virginia Beach. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current company to cancel the current policy. Submit the required down payment along with the signed application for the new policy. As soon as you have the new policy, place the new proof of insurance paperwork in an easily accessible location in your vehicle.
One thing to point out is to try to use the same deductibles and limits on each quote request and and to get rates from every company you can. Doing this helps ensure a fair rate comparison and the best rate selection.
Everyone knows that car insurance companies want to keep you from comparing rates. Consumers who shop around for cheaper prices will probably move their business because they have good chances of finding a lower-priced company. A recent survey revealed that consumers who shopped around annually saved an average of $72 a month compared to policyholders who never compared other company’s rates.
If finding the cheapest rates on insurance is why you’re here, then knowing the best way to quote and compare coverage rates can make the process more efficient.
Finding affordable auto insurance coverage in Virginia Beach is not that difficult. If you currently have auto insurance, you should be able to cut your premiums using the techniques covered below. Shoppers just have to learn the proper way to compare price quotes online.
How to compare free Virginia Beach Dodge Viper insurance rate quotes
The majority of larger companies like State Farm, GEICO and Progressive allow you to get coverage prices on their websites. Doing online quotes for Dodge Viper insurance in Virginia Beach is possible for anyone as you just type in your coverage information into the quote form. When complete, their rating system obtains your credit score and driving record and returns pricing information.
The ability to get online quotes for Dodge Viper insurance in Virginia Beach makes it simple to compare prices and it’s very important to do this if you want to find the cheapest price on auto insurance.
To fill out one form to compare multiple rates now, compare rates from the companies below. To compare your current rates, we recommend you enter deductibles and limits as close as possible to your current policy. This helps ensure you’re receiving rate quotes using the exact same coverages.
The providers in the list below have been selected to offer free quotes in Virginia Beach, VA. If multiple companies are listed, it’s highly recommended you get rate quotes from several of them to get a more complete price comparison.
You may qualify for discounts for Dodge Viper insurance in Virginia Beach
Car insurance is not cheap, but you may find discounts that you may not even know about. Some discounts will apply when you purchase, but some discounts are required to be requested specifically in order for you to get them.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
- Paperwork-free – Many auto insurance companies will give a small break for buying your policy on the web.
- Buy New and Save – Insuring a vehicle that is new can be considerably cheaper because newer models are generally safer.
- Accident Forgiveness – Not a discount per se, but some companies like State Farm, Progressive and GEICO will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free prior to being involved in the accident.
- Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on a single policy qualifies for this discount.
- Home Ownership Discount – Just owning your own home can earn you a little savings because of the fact that having a home means you have a higher level of financial diligence.
One last thing about discounts, most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, you’re out of luck.
The information below shows the difference between Dodge Viper insurance rates with and without discounts being applied to the rates. The premiums assume a female driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-car, and multi-policy discounts applied.
To see auto insurance companies who offer auto insurance discounts in Virginia Beach, click here.
Rate information and statistics
The premium information shown below covers a range of rate quotes for Dodge Viper models. Having a good grasp of how insurance policy rates are figured can help you make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $224 | $516 | $248 | $14 | $74 | $1,076 | $90 |
| Viper SRT/10 2-Dr Roadster | $224 | $516 | $248 | $14 | $74 | $1,076 | $90 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in zip code location which can decrease or increase auto insurance rates greatly.
Physical damage deductibles
One of the most common car insurance questions is which deductible level should you buy. The following insurance rates determine the differences in price between low and high policy deductibles. The first data table uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $392 | $898 | $258 | $16 | $78 | $1,667 | $139 |
| Viper SRT/10 2-Dr Roadster | $392 | $898 | $258 | $16 | $78 | $1,667 | $139 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Viper SRT/10 2-Dr Coupe | $286 | $608 | $258 | $16 | $78 | $1,246 | $104 |
| Viper SRT/10 2-Dr Roadster | $286 | $608 | $258 | $16 | $78 | $1,246 | $104 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can affect coverage rates noticeably.
Based on the above data, using a $100 deductible will cost you approximately $35 more each month or $420 each year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 11 months between claim filings, you would probably be better off if you choose a higher deductible.
The chart below shows how choosing a deductible and can influence Dodge Viper insurance premiums for different age groups. The rate quotes are based on a married male driver, full coverage, and no discounts are applied to the premium.
Annual premiums comparing men and women in Virginia Beach
The information below shows the comparison of Dodge Viper car insurance costs for male and female drivers. The data assumes no accidents or driving violations, full coverage, $1,000 deductibles, marital status is single, and no discounts are applied.
Cost of full coverage
The information below shows the comparison of Dodge Viper auto insurance costs when comparing full coverage to liability only. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no specific rule of when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Dodge Viper replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying the physical damage deductible. If you are paying more than $700 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are a few cases where eliminating full coverage is not advised. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Independent or exclusive insurance agencies
Some consumers still like to talk to an insurance agent and we recommend doing that Licensed agents are trained risk managers and will help you if you have claims. An additional benefit of comparing car insurance online is that you can find lower rates and still have an agent to talk to.
To find an agent, once you fill out this quick form, your coverage information is emailed to agents in your area who can give free rate quotes for your coverage. There is no reason to contact any insurance agencies as quotes are delivered to your email. In the event you want to get a price quote from one company in particular, you would need to search and find their rate quote page and complete a quote there.
Picking an provider shouldn’t rely on just the quoted price. Below are some questions you should ask.
- Which family members are covered?
- Can you choose the body shop in case repairs are needed?
- Will the quote change when the policy is issued?
- What is the agency’s Better Business Bureau rating?
- How long has the business existed?
- Has the agent ever had any license suspensions?
When searching for a reputable agency, there are two different agency structures and how they differ in how they quote coverages. Virginia Beach agents are classified as either independent agents or exclusive agents. Both types can handle car insurance, but it’s good to learn the subtle differences since it can affect which agent you choose.
Exclusive Agencies
These agents write business for a single company such as Allstate and State Farm. They usually cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agents are trained well on what they offer and that enables them to sell even at higher rates. Consumers often choose to use a exclusive agent mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below is a list of exclusive insurance agencies in Virginia Beach who may provide you with comparison quotes.
- State Farm: Pierre Granger
5705 Lynnhaven Pkwy – Virginia Beach, VA 23464 – (757) 962-2266 – View Map - Rose Goheen – State Farm Insurance Agent
1112 Laskin Rd – Virginia Beach, VA 23451 – (757) 428-8002 – View Map - Jessica Hester – State Farm Insurance Agent
2247 W Great Neck Rd #102 – Virginia Beach, VA 23451 – (757) 481-1840 – View Map
View more Virginia Beach agents
Independent Agents
Independent insurance agents can quote rates with many companies so they can quote policies with an assortment of companies and potentially find a lower price. If your premiums go up, your agent can just switch to a different company and you don’t have to do anything.
When searching for an agent, we highly recommend that you include a few independent agents to have the best price comparison. Most have the option of insuring with mutual insurance companies which may have better rates.
Listed below is a list of independent agents in Virginia Beach that are able to give price quotes.
- Nationwide Insurance: Mayo Insurance Agency Inc
1917 Laskin Rd Ste 101 – Virginia Beach, VA 23454 – (757) 496-5685 – View Map - Nationwide Insurance: Bob McCrearyh CLU Insurance Agency, Inc.
533 Newtown Rd #112 – Virginia Beach, VA 23462 – (757) 497-1899 – View Map - Insurance Strategies – The Cooksey Agency
780 Lynnhaven Pkwy #400 – Virginia Beach, VA 23452 – (757) 819-6896 – View Map
View more Virginia Beach agents
Upon receiving positive feedback in addition to an acceptable price estimate, you’ve probably found an insurance agency that is a good match to provide car insurance coverage.
Everyone needs different car insurance coverages
When it comes to coverage for your personal vehicles, there really isn’t a perfect coverage plan. Your needs are unique to you.
These are some specific questions can help discover whether you would benefit from an agent’s advice.
- Is water damage covered by my policy?
- What happens if I owe more than my Dodge Viper is worth?
- Does medical payments coverage apply to all occupants?
- Do I have newly-acquired coverage?
- When should I not file a claim?
- Do I need roadside assistance coverage?
- Should I rate my vehicle as business use?
- Is my dog or cat covered if injured in an accident?
- When should I have rental car coverage?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.
Why insurance is not optional
Even though Virginia Beach Viper insurance rates can get expensive, insurance may be required and benefits you in several ways.
- The majority of states have mandatory liability insurance requirements which means state laws require a specific level of liability in order to get the vehicle licensed. 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 bought your Viper with a loan, almost every bank will make it a condition of the loan that you buy insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender will be forced to insure your Dodge at an extremely high rate and require you to fork over for the much more expensive policy.
- Insurance protects not only your Dodge but also your financial assets. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay to defend you if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your Viper greatly outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is wasting up to $825 a year so it’s recommended you shop around at least once a year to ensure rates are competitive.
Car insurance 101
Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Auto liability
Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/20 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $20,000 of coverage for damaged property.
Liability can pay for claims such as medical expenses, emergency aid and pain and suffering. How much coverage you buy is your choice, but you should buy as high a limit as you can afford. Virginia requires minimum liability limits of 25/50/20 but it’s recommended drivers buy more coverage.
The next chart shows why the minimum limit may not be high enough to cover claims.
Collision insurance
This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things such as driving through your garage door, rolling your car, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible on your Viper to get cheaper collision coverage.
Comprehensive coverage
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage, hitting a bird, theft and hitting a deer. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (which is 25/50/20), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance kick in for immediate expenses like funeral costs, chiropractic care, dental work, doctor visits and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Find cheap rates by comparing often
We’ve covered many ways to compare Dodge Viper insurance premium rates in Virginia Beach. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a smaller regional carrier.
People switch companies for a variety of reasons including high prices, delays in paying claims, poor customer service and extreme rates for teen drivers. It doesn’t matter what your reason, switching companies can be pretty painless.
Cheaper car insurance in Virginia Beach is attainable online and also from your neighborhood Virginia Beach agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get quotes online and usually these small, regional companies prefer to sell through local independent agencies.
Additional detailed information is available by following these links:
- Teen Driver Licensing Information (iihs.org)
- 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)
- Who Has Affordable Auto Insurance for a Ford F-150 in Virginia Beach? (FAQ)
- Who Has Cheap Virginia Beach Car Insurance Quotes for Nurses? (FAQ)
- How Much is Car Insurance for Teenage Females in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Rates for a Chevrolet Equinox in Virginia Beach? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)