Unbelievable but true, most drivers in Virginia kept buying from the same company for at least four years, and just short of a majority have never shopped around. With the average premium in the U.S. being $1,847, drivers could cut their rates by almost $850 a year just by getting comparison quotes, but most tend to underestimate how much savings they would realize if they changed companies.
If saving money is your primary concern, then the best way to get discount Saturn Astra insurance is to start doing an annual price comparison from insurance carriers in Virginia Beach. Prices can be compared by completing these steps.
- Step 1: Get a basic knowledge of policy coverages and the things you can change to keep rates low. Many policy risk factors that are responsible for high rates like high-risk driving behaviors and an unacceptable credit score can be controlled by making small lifestyle or driving habit changes.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can provide rate quotes from multiple sources. Select a company
- Step 3: Compare the price quotes to your existing policy to see if cheaper Astra coverage is available in Virginia Beach. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Notify your company or agent to cancel your existing policy. Submit payment and a completed application for your new coverage. Once the application is submitted, safely store the proof of insurance certificate somewhere easily accessible.
The most important part of shopping around is to try to use identical deductibles and limits on each price quote and and to get rate quotes from as many different insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the best price selection.
The easiest way to compare car insurance rates for Saturn Astra insurance in Virginia Beach takes advantage of the fact almost all companies participate in online systems to give you rate quotes. To start a quote, the only thing you need to do is provide a small amount of information including if it has an anti-theft system, an estimate of your credit level, what you do for a living, and your education level. The rating information is automatically sent to multiple companies and they return cost estimate immediately.
To check rates for your car now, click here and complete the form.
The auto insurance companies shown below can provide price quotes in Virginia Beach, VA. If you wish to find the best cheap auto insurance in Virginia Beach, VA, we recommend you get prices from several of them in order to find the lowest rates.
It may be expensive, but it’s not optional
Despite the potentially high cost of Saturn Astra insurance, maintaining insurance is not optional due to several reasons.
First, almost all states have mandatory insurance requirements which means state laws require specific limits of liability protection 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.
Second, if your vehicle has a loan, most banks will make it a condition of the loan that you buy full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank may insure your Saturn at a much higher rate and force you to pay the higher premium.
Third, insurance safeguards your Saturn Astra and your assets. It will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of having insurance definitely exceed the cost, particularly for liability claims. According to a recent study, the average American driver is overpaying over $869 every year so shop around each time the policy renews to make sure the price is not too high.
Decisions You Make Can Impact Your Insurance Premiums
Many different elements are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving record, but other factors are not as apparent such as your marital status or how financially stable you are. The best way to find cheaper insurance is to take a look at a few of the rating criteria that aid in calculating your policy premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that can earn you big savings.
The factors shown below are some of the items insurance companies consider when setting rates.
Gender is a factor – Over the last 30 years, statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that men are worse drivers. Both sexes have fender benders at a similar rate, but the men tend to have more serious accidents. Men also statistically have more aggressive citations such as reckless driving.
Accidents will cost you – Your driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets pay lower auto insurance prices than people who have multiple driving citations. Only having one speeding ticket can increase the cost of insurance substantially. Drivers who have careless violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state in order to legally drive a vehicle.
Get hitched and pay less – Having a spouse can get you a discount compared to being single. Having a spouse demonstrates that you tend to be more mature and statistics prove married couples file fewer claims.
Your liability coverage limits – Liability insurance will provide protection if you are responsible for an accident. This coverage provides you with a defense in court up to the limits shown on your policy. It is affordable coverage compared to other policy coverages, so insureds should have plenty of protection for their assets.
Know your credit score – Credit score will be a significant factor in determining what you pay. So if your credit score can use some improvement, you could pay less to insure your Saturn Astra by spending a little time repairing your credit. People that have excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings.
Cheaper insurance rates are out there
We’ve covered a lot of ways to reduce Saturn Astra insurance rates online in Virginia Beach. It’s most important to understand that the more you quote Virginia Beach auto insurance, the higher the chance of saving money. You may even discover the best rates are with some of the lesser-known companies.
Drivers leave their current company for a variety of reasons including questionable increases in premium, policy non-renewal, not issuing a premium refund or an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.
As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut uninsured motorist or liability limits only to find out that it was a big mistake. The proper strategy is to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.
Much more information about insurance in Virginia can be read below:
- Auto Crash Statistics (Insurance Information Institute)
- Who Has Cheap Virginia Beach Auto Insurance Quotes for Infrequent Drivers? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- What is Full Coverage? (Allstate)
- Teen Driving and Texting (State Farm)