Buying cheaper Virginia Beach Kia Amanti insurance quotes on the web is somewhat intimidating for drivers that are not comfortable with quoting and buying insurance on the internet. When there are so many online companies available, how can Virginia Beach drivers efficiently compare every company to locate the best pricing?
Steps to finding cheaper quotes for Kia Amanti insurance in Virginia Beach
It takes a few minutes, but the best way to save money on auto insurance rates is to make a habit of comparing prices annually from companies who can sell car insurance in Virginia Beach. You can compare prices by following these steps.
Step 1: Gain an understanding of how insurance companies determine prices and the things you can control to prevent expensive coverage. Many rating factors that result in higher rates such as at-fault accidents, speeding tickets, and an imperfect credit rating can be remedied by making minor changes in your lifestyle. This article gives more information to prevent expensive rate increases and get discounts that may be available to you.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while agents who are independent can give you price quotes from multiple sources.
Step 3: Compare the new quotes to the premium of your current policy to see if cheaper Amanti coverage is available. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is that you use the same coverage limits and deductibles on each quote and to quote with as many different companies as possible. Doing this helps ensure a fair rate comparison and a complete selection of prices.
It goes without saying that car insurance companies want to keep you from shopping around. Consumers who shop around at least once a year will most likely switch auto insurance companies because they have good chances of finding more affordable rates. A study discovered that drivers who routinely compared rates saved on average $72 a month compared to drivers who don’t make a habit of comparing rates.
If finding budget-friendly rates on auto insurance is your ultimate target, learning how to quote and compare insurance coverage can make shopping around easier.
Finding the cheapest auto insurance coverage in Virginia Beach is really quite simple as long as you have a good starting point. In a nutshell, every vehicle owner who shops for auto insurance will more than likely find a lower price. Nevertheless, Virginia car owners should learn how companies price online insurance and take advantage of how the system works.
The most recommended method to compare insurance rates in your area is to know the trick most larger insurance companies will pay a fee to compare rate quotes. All consumers are required to do is provide a little information including driver ages, if you have an active license, how much school you completed, and if a SR-22 is required. That rating information gets sent immediately to insurance companies and they return quotes instantly to find the best rate.
If you wish to get multiple quotes for your Kia Amanti now, click here and enter your coverage details.
The companies shown below are our best choices to provide comparison quotes in Virginia Beach, VA. To locate the best auto insurance in Virginia Beach, we suggest you get prices from several of them to get a more complete price comparison.
Choosing the best vehicle insurance in Virginia is an important decision
Despite the fact that car insurance is not cheap in Virginia Beach, paying for car insurance is required in Virginia but it also protects you in many ways.
- The majority of states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability coverage 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 Amanti with a loan, most banks will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may buy a policy for your Kia for a much higher rate and require you to reimburse them the higher premium.
- Car insurance preserves both your Kia Amanti and your assets. It will also reimburse you for many types of medical costs incurred in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance are without a doubt worth the cost, particularly for liability claims. As of last year, the average driver in Virginia is overpaying over $830 a year so it’s very important to do a rate comparison at every policy renewal to save money.
Save with these six price cutting discounts
Insurance can be prohibitively expensive, but you may qualify for discounts that you may not know about. Many discounts should be triggered at the time of quoting, but some need to be asked about before being credited.
- Multiple Policy Discount – If you combine your auto and homeowners policies with one company you could get a discount of 10% to 20% off each policy.
- Accident-Free Discounts – Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
- Virginia Beach Homeowners Pay Less – Simply owning a home may trigger a policy discount on insurance because owning a home demonstrates responsibility.
- Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a Virginia Beach auto insurance quote.
- Mature Driver Discount – Older drivers are able to get a discount up to 10%.
- Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% compared to accident prone drivers.
It’s important to note that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you could get a free insurance policy, it just doesn’t work that way.
Larger insurance companies and a partial list of their discounts are outlined below.
- State Farm has savings for anti-theft, passive restraint, student away at school, multiple policy, and good driver.
- American Family may include discounts for mySafetyValet, air bags, good student, accident-free, defensive driver, good driver, and bundled insurance.
- GEICO has discounts for daytime running lights, multi-policy, multi-vehicle, defensive driver, and membership and employees.
- 21st Century includes discounts for teen driver, early bird, automatic seat belts, air bags, and good student.
- Progressive may offer discounts for good student, multi-vehicle, continuous coverage, online signing, and multi-policy.
When getting a coverage quote, ask each company to apply every possible discount. Some credits may not be offered in Virginia Beach. If you would like to choose from a list of insurance companies that offer discounts in Virginia, click here.
When should I contact an agent?
Many people just want to sit down with an agent and doing that can be a smart decision The best thing about comparing rate quotes online is that drivers can save money and get lower rates and still buy from a local agent.
By using this short form, the quote information is immediately sent to participating agents in Virginia Beach who will give you quotes for your insurance coverage. It’s much easier because you don’t need to find an agent as quotes are delivered straight to your inbox. You can find better rates and work with a local agent. In the event you want to get a rate quote from a specific company, just jump over to their website and complete a quote there.
Choosing an insurer requires more thought than just the price. These are some questions you should get answers to.
- If you are a high risk driver, do they have special markets for your coverage?
- By raising physical damage deductibles, how much would you save?
- Are there any discounts that you might be missing?
- Is the coverage adequate for your vehicle?
- Do they specialize in personal lines auto insurance in Virginia Beach?
- Do they have cheaper tiers of coverage?
Choose an insurance agent wisely
If you are searching for a reliable agent, there are two types of agencies that you can choose from. Agencies in Virginia Beach are categorized either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
Exclusive agents can usually just insure with one company like Farmers Insurance and State Farm. These agents are not able to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are highly trained on what they offer and that allows them to sell at a higher price point. A lot of people use the same exclusive agent mainly due to the brand legacy and the convenience of having all coverages with one company.
Below is a list of exclusive agencies in Virginia Beach willing to provide price quote information.
- Allstate Insurance: Richard C. Barbosa, II
4382 Holland Plaza Shopping Ctr, # Ce – Virginia Beach, VA 23452 – (757) 431-0217 – View Map - Al Taxter – State Farm Insurance Agent
6070 Indian River Rd #104 – Virginia Beach, VA 23464 – (757) 420-2575 – View Map - Milt Rawles – State Farm Insurance Agent
5265 Providence Rd #200 – Virginia Beach, VA 23464 – (757) 424-4656 – View Map
Independent Insurance Agents
Independent agencies can sell policies from many different companies so they have the ability to put coverage with any number of different companies and get you the best rates possible. If your premiums go up, your policy is moved internally which makes it simple for you.
When comparing insurance rates, you will definitely want to contact multiple independent agents to have the best price comparison. Most also write with less well-known companies which may provide better rates.
Listed below is a list of independent insurance agents in Virginia Beach willing to provide rate quotes.
- Wilson Insurance Agency, Inc
1127 Crystal Lake Dr – Virginia Beach, VA 23451 – (757) 491-8953 – View Map - Towne Insurance
301 Bendix Rd #300 – Virginia Beach, VA 23452 – (757) 468-6100 – View Map - Bell Insurance Agency Corporation
1501 Cornwell Ln – Virginia Beach, VA 23454 – (757) 340-0028 – View Map
Insurance coverage options for a Kia Amanti
Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.
Coverage for liability
Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have 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 a total limit of $20,000 for damage to vehicles and property.
Liability insurance covers claims like loss of income, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible. Virginia requires minimum liability limits of 25/50/20 but you should consider buying more coverage.
The chart below demonstrates why low liability limits may not be high enough to cover claims.
Medical costs insurance
Coverage for medical payments and/or PIP kick in for expenses such as surgery, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Collision insurance
This pays for damage to your Amanti caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things like sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible on your Amanti to save money on collision insurance.
UM/UIM Coverage
Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since many Virginia drivers only purchase the least amount of liability that is required (Virginia limits are 25/50/20), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Comprehensive or Other Than Collision
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like hail damage, rock chips in glass, hitting a deer, hitting a bird and vandalism. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
More effort can pay off
Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, delays in paying claims, being labeled a high risk driver or even policy non-renewal. No matter why you want to switch, finding the right insurance provider is not as hard as you think.
The cheapest Kia Amanti insurance in Virginia Beach is definitely available online and with local Virginia Beach insurance agents, so you need to shop Virginia Beach auto insurance with both in order to have the best price selection to choose from. A few companies do not provide online price quotes and many times these regional carriers sell through independent agencies.
You just learned some good ideas how you can compare Kia Amanti insurance rates in Virginia Beach. The key thing to remember is the more providers you compare, the better your chances of lowering your car insurance rates. Drivers may even discover the best rates are with an unexpected company.
Steps to finding better rates for Kia Amanti insurance in Virginia Beach
If saving the most money is your goal, then the best way to find cheaper prices for Kia Amanti insurance in Virginia Beach is to start comparing rates regularly from different companies in Virginia.
First, try to comprehend car insurance and the measures you can take to keep rates down. Many factors that result in higher prices such as distracted driving and a less-than-favorable credit rating can be improved by improving your driving habits or financial responsibility.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of insurance providers. Compare rates
Third, compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.
Fourth, notify your agent or company of your intention to cancel your existing policy and submit the application along with any required down payment to your new carrier. Once received, place your new proof of insurance paperwork along with your vehicle registration.
A good tip to remember is to use similar deductibles and liability limits on each quote request and and to get prices from as many different companies as possible. Doing this provides a fair rate comparison and a good representation of prices.
More information
- Vehicle Insurance (Wikipedia)
- Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Virginia Beach? (FAQ)
- How Much is Car Insurance for Teenage Females in Virginia Beach? (FAQ)
- How Much is Car Insurance for a Ford Fusion in Virginia Beach? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)