It's well known that car insurance companies want to prevent you from shopping around. Insureds who shop around for cheaper rates are inclined to buy a different policy because there is a good probability of finding discount prices. A study discovered that consumers who regularly shopped around saved as much as $3,450 over four years compared to other drivers who don't regularly compare prices.
If finding the cheapest price for car insurance in Virginia Beach is your ultimate target, then understanding how to find companies and compare coverage rates can make it simple to find affordable coverage.
If saving money is your primary concern, then the best way to save on Jeep Wrangler insurance in Virginia Beach is to compare quotes annually from providers in Virginia.
Step 1: Read and learn about what coverages are included in your policy and the changes you can make to prevent expensive coverage. Many factors that result in higher prices like traffic citations and a bad credit rating can be controlled by making small lifestyle or driving habit changes. Continue reading for tips to get cheaper rates and find additional discounts.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple sources.
Step 3: Compare the new rate quotes to your existing coverage and see if there is a cheaper rate in Virginia Beach. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company to cancel your current auto insurance policy and submit any necessary down payment along with the completed application for the new policy. Once received, place the new certificate verifying coverage in your glove compartment.
A good tip to remember is to make sure you enter identical coverage information on each quote request and and to look at as many companies as you can. This guarantees a fair rate comparison and a good representation of prices.
Locating the best rates in Virginia Beach is much easier if you have a good place to start. If you have insurance now, you stand a good chance to be able to get lower rates using the following tips. You only need an understanding of the most efficient way to compare different rates instantly.
Auto insurance rates and discounts
Some providers don't always advertise the entire discount list in a way that's easy to find, so the list below details a few of the more well known as well as some of the hidden ways to save on auto insurance.
- Data Collection Discounts - Drivers who elect to allow data collection to look at their driving habits by installing a telematics device such as State Farm's In-Drive could save a few bucks if they exhibit good driving behavior.
- Life Insurance Discount - Larger insurance carriers have a small discount if you purchase a life insurance policy as well.
- Military Deployment Discount - Being deployed with a military unit could mean lower prices.
- ABS Braking Discount - Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and qualify for as much as a 10% discount.
- Home Ownership Discount - Simply owning a home can help you save on auto insurance since home ownership is proof of financial responsibility.
- Bundle and Save - If you combine your home and auto policies and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find affordable Jeep Wrangler insurance rates in Virginia Beach.
- Safe Drivers - Insureds who avoid accidents can pay as much as 50% less compared to accident prone drivers.
- Professional Organizations - Belonging to qualifying employment or professional organizations can get you a small discount on auto insurance.
Don't be shocked that most credits do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, auto insurance companies aren't that generous. But any discount will help reduce the amount you have to pay.
The example below compares Jeep Wrangler auto insurance costs with and without some available policy discounts. The prices are based on a male driver, no claims or driving violations, Virginia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-car, multi-policy, and marriage discounts applied.
Companies that may offer quotes with most of these discounts may include but are not limited to:
Double check with each insurance company how many discounts you can get. Depending on the company, some discounts may not apply in Virginia Beach. To choose insurers who offer online Jeep Wrangler insurance quotes in Virginia Beach, click here to view.
Compare Virginia Beach Jeep Wrangler insurance rate quotes online
Most larger insurance companies provide price estimates direct online. Getting quotes for Jeep Wrangler insurance in Virginia Beach is easy for anyone as all you need to do is type in your personal and coverage information on the page. Once you submit the form, their quoting system makes automated requests for your driving record and credit report and quotes a price based on many factors. The ability to get online rates for Jeep Wrangler insurance in Virginia Beach makes it a lot easier to compare rates and it's also necessary to have as many quotes as possible if you want to get cheaper prices.
To use this form to compare rates, compare quotes from the companies shown below. If you currently have coverage, we recommend that you enter coverages and limits as close as possible to your current policy. Using the same limits helps guarantee you will get a rate comparison using the same coverage and limits.
The companies shown below have been selected to offer comparison quotes in Virginia Beach, VA. To buy cheap auto insurance in Virginia Beach, VA, we recommend you click on several of them to get the best price comparison.
Jeep Wrangler insurance rate analysis
The table displayed below covers detailed analysis of coverage costs for Jeep Wrangler models. Having knowledge of how auto insurance policy rates are established can be of help when making informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Wrangler Sport 4WD 2-Dr||$166||$266||$290||$18||$88||$828||$69|
|Wrangler Unlimited Sport 2WD 4-Dr||$166||$266||$364||$22||$108||$926||$77|
|Wrangler Sport Islander Package 4WD 2-Dr||$166||$338||$290||$18||$88||$900||$75|
|Wrangler Unlimited Sport 4WD 4-Dr||$190||$266||$364||$22||$108||$950||$79|
|Wrangler Sahara 4WD 2-Dr||$190||$338||$290||$18||$88||$924||$77|
|Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$190||$266||$364||$22||$108||$950||$79|
|Wrangler Unlimited Sahara 2WD 4-Dr||$190||$266||$364||$22||$108||$950||$79|
|Wrangler Rubicon 4WD 2-Dr||$190||$338||$290||$18||$88||$924||$77|
|Wrangler Unlimited Sahara 4WD 4-Dr||$190||$338||$364||$22||$108||$1,022||$85|
|Wrangler Unlimited Rubicon 4WD 4-Dr||$214||$338||$364||$22||$108||$1,046||$87|
|Get Your Own Custom Quote Go|
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in Virginia Beach location which can modify auto insurance rates noticeably.
The chart below shows how different deductible levels and can influence Jeep Wrangler premium costs for different insured age categories. The data assumes a married female driver, comp and collision included, and no discounts are taken into consideration.
Comparison of full coverage and liability-only policies
The illustration below compares Jeep Wrangler car insurance rates with and without full coverage. The costs are based on no claims or driving violations, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Guidelines for eliminating full coverage
There is no clear-cut rule to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let's pretend your Jeep Wrangler settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying your deductible. If you are paying over $700 a year for physical damage coverage, then you might consider buying liability only.
There are some situations where dropping full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
Do I need an insurance agency?
Many people would rather talk to a local agent and that is just fine! Most agents can make sure you are properly covered and help you file claims. The biggest benefit of getting online price quotes is the fact that drivers can get the best rates and still have a local agent.
Upon completion of this form (opens in new window), your information is emailed to agents in your area who can give free rate quotes for your business. You won't even need to contact any agents since rate quotes are delivered straight to your inbox. If you wish to quote rates from one company in particular, you just need to jump over to their website and complete a quote there.
Picking the best company should include more criteria than just a cheap quote. These are valid questions to ask:
- How many years of experience in personal auto insurance do they have?
- Are they involved in claim handling?
- Do they review policy coverages at every renewal?
- Do they make recommendations based only on price?
- Are claims handled at the agent's location?
What type of Virginia Beach auto insurance agent is right for you?
When finding a local agent, you should know the different types of agencies and how they work. Agencies in Virginia Beach can be categorized as either exclusive or independent. Either one can properly insure your vehicles, but it's worth mentioning the difference between them since it can impact the kind of agent you use.
These agents can only place business with one company like Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so they really need to provide good service. They are very knowledgeable on their products and sales techniques which helps them sell on service rather than price.
The following are Virginia Beach exclusive insurance agents who may provide you with comparison quotes.
Independent Insurance Agencies
These type of agents often have many company appointments so they can write business with many different companies and help determine which has the cheapest rates. If they find a cheaper price, the agent simply finds a different carrier and you can keep the same agent.
When shopping rates, it's a good idea to include rate quotes from at a minimum one independent agency in order to compare the most rates.
Shown below is a list of independent insurance agencies in Virginia Beach that are able to give comparison quotes.
Specific coverage details
Knowing the specifics of auto insurance can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.
Since many Virginia drivers carry very low liability coverage limits (which is 25/50/20), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Coverage for collisions
This pays for damage to your Wrangler caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like hitting a parking meter, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your Wrangler to get cheaper collision coverage.
Auto liability insurance
This coverage will cover damage or injury you incur to a person or their property. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/20 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $20,000 for damage to vehicles and property.
Liability coverage pays for things like funeral expenses, court costs and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it's cheap coverage so purchase higher limits if possible. Virginia requires drivers to carry at least 25/50/20 but you should consider buying more coverage.
The illustration below shows why the minimum limit may not be adequate coverage.
This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as theft, hitting a bird, vandalism, rock chips in glass and damage from getting keyed. The highest amount you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.
Medical expense coverage
Med pay and PIP coverage reimburse you for immediate expenses for things like nursing services, surgery, dental work and pain medications. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Compare but don't skimp
When you buy Virginia Beach auto insurance online, it's a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage to discover at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.
Cheaper auto insurance in Virginia Beach is definitely available from both online companies and also from your neighborhood Virginia Beach agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide the ability to get quotes online and these regional carriers work with independent insurance agencies.
Even more information is available in these articles:
- Uninsured Motorist Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest for a Toyota Corolla in Virginia Beach? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)
- Side Impact Crash Tests (iihs.org)