How to Save on Virginia Beach Volkswagen Rabbit Insurance

Unbelievable but true, a large majority of consumers have purchased from the same company for well over three years, and just under half have never compared rates to find cheaper insurance. Drivers in Virginia can cut their rates by almost 45% a year, but they don’t want to take the time to compare rate quotes.

Insurance quote for Volkswagen Rabbit in Virginia BeachThe preferred way to get discount auto insurance rates is to start comparing prices yearly from insurance carriers who sell auto insurance in Virginia Beach. You can compare rates by following these steps.

First, gain an understanding of how insurance companies determine prices and the changes you can make to keep rates down. Many policy risk factors that cause high rates like speeding tickets, careless driving and a less-than-favorable credit history can be rectified by making small lifestyle or driving habit changes. Later in this article we will cover additional ideas to get cheaper coverage and get discounts that may be available to you.

Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while independent agencies can give you price quotes for many different companies.

Third, compare the price quotes to your current policy premium to see if a cheaper rate is available. If you find a lower rate, make sure coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company of your intent to cancel your current car insurance policy. Submit payment and a signed application for your new coverage. Once coverage is bound, safely store the certificate verifying coverage in an easily accessible location.

One key aspect when comparing rates is to try to compare the same physical damage deductibles and liability limits on each quote request and and to get price quotes from as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and the best price selection.

To find the best auto insurance prices, there are several ways to compare prices from lots of Virginia auto insurance companies. The best method to compare Volkswagen Rabbit insurance prices consists of shopping online. Just keep in mind that comparing more prices increases your odds of finding more affordable rates. Some smaller insurers do not give price estimates online, so you also need to get price estimates from them as well.

The following companies are ready to provide price comparisons in Virginia. If multiple companies are listed, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.

Get cheaper Volkswagen Rabbit insurance in Virginia Beach with discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but less common discounts must be inquired about prior to receiving the credit. If you’re not getting every credit possible, you are paying more than you should be.Cheaper car insurance with discounts

Just know that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way.

A list of car insurance companies and their offered discounts can be found below.

When quoting, ask each company how many discounts you can get. All car insurance discounts might not apply in Virginia Beach. If you would like to see a list of insurers offering car insurance discounts in Virginia, click here.

Best reasons to buy auto insurance in Virginia

Despite the high cost, insurance may be mandatory for several reasons.

The benefits of carrying adequate insurance definitely exceed the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $825 a year so compare quotes from several companies at least once a year to ensure rates are inline.

Independent and exclusive auto insurance agents

Some people would rather buy from a licensed agent and that is not a bad decision An additional benefit of getting free rate quotes online is you may find cheaper premium rates but also keep your business local. And providing support for local agents is definitely important in Virginia Beach.

Insurance agency in Virginia BeachTo find an agent, once you fill out this short form, your insurance coverage information is emailed to participating agents in Virginia Beach that can provide free Virginia Beach car insurance quotes for your insurance coverage. There is no need to find an agent on your own because prices are sent to you. You can get cheaper insurance rates without having to waste a lot of time. If you want to quote rates from a specific insurance company, don’t hesitate to find their quoting web page and give them your coverage information.

Virginia Beach car insurance agents come in two flavors

When finding a reliable agent, you should know the different types of agencies and how they function. Agents in Virginia Beach can be classified as either exclusive agents or independent agents.

Independent Agents

Agents that choose to be independent are not employed by any specific company and that gives them the ability to insure through many companies and find you cheaper rates. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rate quotes, you will want to include multiple independent agents for maximum quote selection. A lot of them also have access to lesser-known insurance companies which may have better rates.

Shown below are Virginia Beach independent insurance agents who may be able to give you competitive price quotes.

View more Virginia Beach agents

Exclusive Insurance Agencies

Exclusive insurance agents are contracted to one company such as AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot place coverage with different providers so they have to upsell other benefits. These agents are usually well trained on what they offer and that enables them to sell even at higher rates. Some people will only buy from the same agent for years mainly due to the brand legacy rather than having low rates.

Below is a short list of exclusive insurance agencies in Virginia Beach willing to provide price quotes.

View more Virginia Beach agents

Choosing an insurance agency should depend on more than just a cheap quote. These are some valid questions you should ask.

Specific coverages for a Volkswagen Rabbit

Knowing the specifics of insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, hail damage, a broken windshield and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many Virginia drivers have only the minimum liability required by law (Virginia limits are 25/50/20), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Collision protection

Collision coverage pays for damage to your Rabbit resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, rolling your car, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible on your Rabbit to save money on collision insurance.

Liability insurance

This provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/20 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $20,000. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as attorney fees, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford. Virginia state law requires minimum liability limits of 25/50/20 but it’s recommended drivers buy better liability coverage.

The next chart shows why buying minimum limits may not be high enough to cover claims.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for things like dental work, nursing services, ambulance fees and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage