Find Affordable Toyota Tacoma Insurance in Virginia Beach

The preferred way to get affordable car insurance rates in Virginia Beach is to compare prices once a year from different companies that insure vehicles in Virginia.

First, try to understand how auto insurance works and the measures you can control to keep rates low. Many risk factors that are responsible for high rates like accidents, traffic violations, and a substandard credit history can be amended by making lifestyle changes or driving safer.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can provide price quotes from multiple insurance companies. Select a company

Third, compare the new rate quotes to your existing policy to determine if you can save on Tacoma insurance in Virginia Beach. If you find better rates, make sure coverage does not lapse between policies.

Fourth, provide notification to your current company of your intent to cancel your current auto insurance policy and submit a completed policy application and payment to your new company or agent. Immediately safely store the certificate of insurance along with the vehicle’s registration papers.

A key point to remember is that you’ll want to make sure you compare similar limits and deductibles on every price quote and and to get rate quotes from as many carriers as you can. Doing this provides a fair price comparison and the best price selection.

A recent NerdWallet.com study revealed that most insurance policyholders kept their coverage with the same insurance company for at least four years, and nearly the majority have never even compared quotes to find cheaper rates. Most drivers in Virginia Beach could save $548 a year just by getting comparison quotes, but they feel it’s too difficult to find cheaper insurance by shopping around.

If you have a policy now or just want cheaper rates, use these cost-cutting techniques to find the best rates while maximizing coverage. Buying the cheapest auto insurance in Virginia Beach is actually not that difficult if you follow our advice. Drivers only have to learn the fastest way to shop online.

Low Cost companies for Toyota Tacoma insurance in Virginia

The companies in the list below provide free rate quotes in Virginia Beach, VA. If you want to find cheap car insurance in Virginia, we recommend you compare several of them in order to get a fair rate comparison.

Rates and detailed analysis

The table displayed below covers detailed analysis of insurance premium costs for Toyota Tacoma models. Being more informed about how rate quotes are figured can be valuable when making informed purchases.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices noticeably.

Choosing deductibles

A question often asked by Virginia Beach drivers is at what level do you set your deductibles. The premium rates below outline how much more you’ll pay when you choose different policy deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in vehicle location which can affect price quotes noticeably.

We can estimate from the data above that using a $100 deductible will cost you approximately $18 more each month or $216 each year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 22 months between claims, you would save money if you opt for a higher deductible. The numbers below show an example of how you can come to your own conclusion.

One important caveat is that increasing deductibles to save money results in more money out-of-pocket when you file a claim. You will want to have some extra savings in the event you have to pay the higher deductible in order to repair your vehicle.

Careless driving habits raise Virginia Beach car insurance rates

The example below demonstrates how speeding tickets and accidents can impact Toyota Tacoma insurance costs for different ages of insureds. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

You Can Change Your Insurance Rates

Multiple criteria are used in the calculation when premium rates are determined. Most are fairly basic like your driving record, but other criteria are not quite as obvious such as whether you are married or your financial responsibility. Part of the auto insurance buying process is learning the factors that play a part in calculating your premiums. If you understand what controls the rates you pay, this allows you to make educated decisions that may reward you with lower premium levels.

• Discounts for married drivers – Having a significant other can actually save you money when shopping for auto insurance. It may mean you are more mature and insurance companies reward insureds because drivers who are married file infrequent claims.
• Low mileage costs less – The higher the mileage driven in a year’s time the higher your rate. A lot of insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks not used for work or commuting get more affordable rates than cars that get driven a lot. Incorrect rating for your Tacoma can result in significantly higher rates. Make sure your auto insurance policy correctly shows how each vehicle is driven, because improper ratings can cost you money.

• Insurance is expensive for younger drivers – More experienced drivers are more cautious drivers, tend to file fewer claims, and are generally more financially stable. Young drivers have a tendency to be inattentive and easily distracted when behind the wheel so they pay higher auto insurance rates.

  The next chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

• Are you male or female? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Males and females get in at-fault accidents in similar numbers, but males cause more damage and cost insurance companies more money. Men also receive more costly citations such as DWI and reckless driving.

  The chart below compares Toyota Tacoma auto insurance costs for male and female drivers. The premiums assume no claims or driving citations, full coverage, $500 deductibles, single status, and no other discounts are factored in.

• Performance impacts insurance costs – The performance level of the vehicle you are insuring makes a significant difference in your auto insurance rates. The lowest base rates are usually found on lower cost passenger vehicles, but there are many factors that impact the final cost.

  The following chart is based on a married female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Toyota Tacoma policy rates compared to other makes and models that have different performance rating factors.

• Where you live factors in – Having an address in small towns and rural areas is a good thing when buying auto insurance. Fewer drivers and short commutes means less chance of accidents and lower theft and vandalism rates. People in densely populated areas have to deal with congested traffic and much longer commute distances. More time behind the wheel means higher likelihood of an accident.

• Toyota Tacoma insurance loss probability – Insurance companies take into consideration historical loss data for every vehicle to help determine the price you pay. Models that are shown to have increased losses will cost more for specific coverages. The next table illustrates the loss history for Toyota Tacoma vehicles.

  For each policy coverage type, the loss probability for all vehicles, as a total average, is a value of 100. Numbers shown that are under 100 suggest losses that are better than average, while values over 100 indicate a higher chance of having a claim or statistically larger claims.

  
  

  Toyota Tacoma Insurance Claim Statistics

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Toyota Tacoma Double Cab 2WD	79	109	70	77	76	92
  Toyota Tacoma Double Cab 4WD	82	104	84	64	56	77
  Toyota Tacoma Double Cab LWB 2WD	87	108	74			96
  Toyota Tacoma Double Cab LWB 4WD	84	104	88	68	57	79
  Toyota Tacoma Xtra Cab 2WD	80	105	60	86	75	96
  Toyota Tacoma Xtra Cab 4WD	71	90	77	48	51	65

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Get cheaper Toyota Tacoma insurance rates in Virginia Beach

Companies don’t always list every discount available very well, so the list below contains both well-publicized and the more hidden credits that you can use to lower your rates.

• Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you may have a lower total premium amount.
• Seat Belts Save – Requiring all passengers to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Safe Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
• New Car Discount – Buying insurance coverage on a new vehicle can save up to 30% because newer models keep occupants safer.
• Renewal Discounts – Some insurance companies provide a discount for renewing your policy prior to your current Tacoma insurance policy expiring. This can save 10% or more.
• ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
• Air Bags and Passive Restraints – Factory air bags may earn rate discounts of more than 20%.
• Discount for Good Grades – Performing well in school may save you up to 25%. This discount can apply well after school through age 25.

Discounts save money, but please remember that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

The illustration below shows the comparison of Toyota Tacoma car insurance rates with and without discounts being applied to the rates. The premium estimates are based on a female driver, no accidents or driving violations, Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, multi-policy, and safe-driver discounts applied.

To see a list of insurers that provide some of the discounts listed above in Virginia, click here to view.

Car insurance agents can help

Many people would prefer to visit with an insurance agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and will help you if you have claims. One of the great benefits of getting free rate quotes online is you may find cheap auto insurance rates and still buy from a local agent. And buying from local insurance agents is still important in Virginia Beach.

After filling out this quick form, your insurance coverage information is immediately sent to local insurance agents who will give you quotes for your business. There is no reason to find an agent on your own because prices are sent instantly to you. If you wish to get a comparison quote from a particular provider, you would need to jump over to their website and fill out their quote form.

Two types of car insurance agents

When researching a good Virginia Beach insurance agent, you need to know there are two different types of agencies that differ in how they can insure your vehicles. Auto insurance agents in Virginia Beach can be described as either independent agents or exclusive agents depending on their employer. Either one can sell auto insurance policies, but it’s worth mentioning why they differ since it can impact your agent selection.

Independent Auto Insurance Agencies

These type of agents do not have single company limitations and that allows them to write policies through many different auto insurance companies and find you the best rates. If premiums increase, your agent can switch companies and you can keep the same agent. When comparing rates, it’s recommended you contact a couple of independent agencies to ensure the widest selection of prices.

Below is a short list of independent agents in Virginia Beach who may provide comparison quotes.

View more Virginia Beach agents

Exclusive Agencies

Exclusive insurance agents generally can only insure with one company such as Farmers Insurance and State Farm. These agents are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agents receive extensive training in insurance sales which helps offset the inability to provide other markets.

Listed below is a short list of exclusive insurance agents in Virginia Beach willing to provide comparison quotes.

View more Virginia Beach agents

Selecting an car insurance agent requires you to look at more than just a cheap price. Any agent in Virginia Beach should be willing to answer these questions.

• Does the company use OEM repair parts?
• Will they give you a referral list?
• Do the companies they represent have a solid financial rating?
• Can you contact them at any time?
• How much experience to they have in personal lines coverages?
• By raising physical damage deductibles, how much would you save?
• Are all drivers listed on the coverage quote?

Best car insurance in Virginia Beach

Ending up with the right insurer is hard considering how many companies sell coverage in Virginia. The rank data below may help you analyze which auto insurance companies you want to consider comparing price quotes from.

Top 10 Virginia Beach Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

More comparisons equals affordable rates

In this article, we covered a lot of information how to get a better price on Toyota Tacoma insurance in Virginia Beach. The key thing to remember is the more times you quote, the higher your chance of finding affordable Toyota Tacoma insurance quotes. Drivers may even discover the biggest savings come from a smaller regional carrier. Some small companies often have lower rates on specific markets compared to the large companies like State Farm and Allstate.

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped full coverage and learned later that it was a big error on their part. Your strategy should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

Additional auto insurance information can be read below:

• Booster Seat Ratings (iihs.org)
• Who Has Affordable Car Insurance with Multiple Speeding Tickets in Virginia Beach? (FAQ)
• Who Has Affordable Virginia Beach Auto Insurance for 16 Year Olds? (FAQ)
• Who Has Cheap Virginia Beach Auto Insurance Quotes for Infrequent Drivers? (FAQ)
• What Car Insurance is Cheapest for Handicapped Drivers in Virginia Beach? (FAQ)
• What is Covered by GAP Insurance? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)