How long has it been since you shopped around for cheaper Suzuki Vitara insurance in Virginia Beach? Have you had enough of trying to scrape together enough money to insure your Suzuki every month? You’re in the same situation as most other people in Virginia.
It’s safe to assume that car insurance companies don’t want you comparing rates. People who shop around once a year will, in all likelihood, move their business because they have good chances of finding a lower rate. A study discovered that people who did price comparisons regularly saved over $865 annually compared to policyholders who never shopped for cheaper rates.
If finding low prices for car insurance is the reason you’re reading this, learning how to compare insurance can make it easier to shop your coverage around. Insurance companies such as Progressive, State Farm and GEICO promote their brand names with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.
Most major insurance companies allow you to get coverage price quotes direct online. Comparing prices online for Suzuki Vitara insurance in Virginia Beach doesn’t take a lot of time as all you need to do is type in your personal and coverage information on the page. Upon sending the form, their system collects credit information and your driving record and returns a price quote based on the information you submitted. Quoting online for Suzuki Vitara insurance in Virginia Beach streamlines rate comparisons, and it’s also necessary to perform this step if you want to get a better rate.
To find out what other companies charge, compare quotes from the companies shown below. To compare your current rates, we recommend you duplicate the insurance coverages identical to your current policy. Doing this assures you will receive a rate comparison for similar insurance coverage.
The companies shown below have been selected to offer comparison quotes in Virginia Beach, VA. If you want to find the cheapest auto insurance in Virginia Beach, it’s highly recommended you visit several of them to find the lowest auto insurance rates.
Don’t overlook these Suzuki Vitara insurance discounts
Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but a few need to be inquired about prior to receiving the credit.
- Life Insurance Discount – Larger companies have a discount if you purchase a life policy as well.
- Discounts for Responsible Drivers – Accident-free drivers can save up to 40% or more on their Virginia Beach car insurance quote than their less cautious counterparts.
- Federal Government Employee – Federal government employees may qualify for a discount when you quote Virginia Beach car insurance with certain companies.
- Paperless Signup – Certain insurance companies provide a small discount simply for signing on your computer.
- Mature Driver Discount – Drivers that qualify as senior citizens can get a small decrease in premiums.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Defensive Driver Discount – Taking part in a course that instructs on driving safety could earn you a small percentage discount if you qualify.
- Save with a New Car – Buying a new car instead of a used Vitara can save you some money since new vehicles have better safety ratings.
- Discount for Swiching Early – A few insurance companies allow discounts for switching companies before your current coverage expires. It could save around 10% when you buy Virginia Beach car insurance online.
- Good Student Discount – Performing well in school may save you up to 25%. This discount can apply until age 25.
Keep in mind that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.
A few of the larger companies and a selection of discounts are outlined below.
- State Farm offers premium reductions for multiple autos, Steer Clear safe driver discount, good student, safe vehicle, good driver, driver’s education, and defensive driving training.
- American Family may offer discounts for good driver, air bags, Steer into Savings, mySafetyValet, and defensive driver.
- GEICO offers discounts for multi-vehicle, defensive driver, anti-theft, multi-policy, and air bags.
- 21st Century may have discounts that include anti-lock brakes, automatic seat belts, driver training, good student, student driver, 55 and older, and early bird.
- Progressive discounts include online signing, homeowner, multi-vehicle, multi-policy, and continuous coverage.
It’s a good idea to ask every insurance company how you can save money. Depending on the company, some discounts might not apply in Virginia Beach.
The Suzuki Vitara Insurance Rate Equation
Lots of factors are considered when quoting car insurance. Some of the criteria are obvious like an MVR report, but other factors are more transparent like your continuous coverage or how safe your car is.
The itemized list below are some of the most common factors car insurance companies consider when setting premiums.
Females tend to be lower risk – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that females are better at driving than males. Both genders cause auto accidents at about the same rate, but the males get into accidents with more damage. Men also statistically get cited for more serious violations like driving under the influence (DUI). Young men ages 16 to 20 are the most expensive to insure and therefore pay the highest rates.
Raise coverage deductibles and save – Insurance for physical damage, aka comp and collision, covers damage that occurs to your Suzuki. A few examples of covered claims are a dented fender, collision with an animal, and burglary. Comprehensive and collision coverage deductibles tell how much the insured will be required to pay before your car insurance pays a claim. The more of the claim the insured has to pay upfront, the lower your rates will be.
Vehicle theft costs us all – Purchasing a vehicle with advanced anti-theft systems can save you some money. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
Teenage drivers cost more – Teenage drivers in Virginia are statistically shown to be careless and easily distracted with other occupants in the car and because of this, their car insurance rates are much higher. Parents adding a young driver to your policy will cause a huge premium hike. More experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and usually have better credit.
Save by driving vehicles with better crash test results – Safer cars get lower rates. The safest vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you. If the Suzuki Vitara scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
Always keep your policy in force – Driving without insurance coverage in place is not a good idea and any future policy may cost more because you let your insurance lapse. Not only will you pay more, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
Limits of liability coverage – The liability coverage on your policy is the coverage that protects you in the event that you are found liable for an accident. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to other policy coverages, so do not skimp.
Car insurance agents can help
A small number of people just want to buy from a local agent. Most agents will help you protect your assets and help in the event of a claim. A nice benefit of comparing rate quotes online is that you can find cheap auto insurance quotes but still work with a licensed agent. Buying from local insurance agencies is important especially in Virginia Beach.
After filling out this simple form, your information is immediately sent to local insurance agents who can give free rate quotes for your business. You never need to search for any insurance agencies as quotes are delivered instantly to you. If you need to compare rates for a specific company, feel free to navigate to their website and complete a quote there.
Pick the best car insurance agent in Virginia Beach for you
If you want a local Virginia Beach insurance agent, you need to know there are two types of insurance agents and how they function. Agencies in Virginia Beach may be either exclusive agents or independent agents. Either one can properly insure your vehicles, but it is important to understand how they are different because it may have an impact on which type of agent you select.
Independent Auto Insurance Agencies or Brokers
Agents of this type often have many company appointments so they have the ability to put coverage amongst many companies and get the cheapest rates. If they find a lower price, they simply move your policy to a different company and that require little work on your part.
When searching for an agent, you will definitely want to include rate quotes from a couple of independent agencies to maximize your price options.
Featured below are independent insurance agents in Virginia Beach that may be able to give you rate quotes.
Hampton Roads Insurance
633-D Independence Blvd – Virginia Beach, VA 23462 – (757) 285-4754 – View Map
Nationwide Insurance: Avery Insurance Agency Inc
5268 Fairfield Shopping Centre – Virginia Beach, VA 23464 – (757) 366-0366 – View Map
WBR Insurance
3213 Virginia Beach Blvd – Virginia Beach, VA 23452 – (757) 340-0028 – View Map
Exclusive Agencies
Agents of this type normally can only provide a single company’s rates and examples are State Farm, Allstate, or Farmers Insurance. These agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained on their products and sales techniques which can be an advantage.
Below are Virginia Beach exclusive agents that can give you rate quotes.
Paula Rosati – State Farm Insurance Agent
4221 Pleasant Valley Rd #108 – Virginia Beach, VA 23464 – (757) 467-4300 – View Map
Matt Abbott – State Farm Insurance Agent
4646 Princess Anne Rd #103 – Virginia Beach, VA 23462 – (757) 497-1999 – View Map
Aubrey Pithwa – State Farm Insurance Agent
562 Lynnhaven Pkwy #201 – Virginia Beach, VA 23452 – (757) 227-9700 – View Map
Finding the right insurance agent requires more thought than just a cheap quote. Here are some questions you should ask.
- Is there a Errors and Omissions policy in force?
- Does the company have a solid financial rating?
- How many years have they been established?
- Do they specialize in personal lines auto insurance in Virginia Beach?
- How often do they review coverages?
- What companies can they write with?
If you feel you receive good feedback to any questions you have as well as a affordable price, you may have found a car insurance agent that is professional and can properly insure your vehicles. It’s important to know that consumers can terminate coverage any time you want so don’t think that you’re stuck with any particular company for a certain time period.
Virginia Beach auto insurance companies ranked
Choosing a high-quality car insurance provider is difficult considering how many companies there are in Virginia Beach. The rank data listed below can help you choose which auto insurance companies to look at when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Do the work, save more money
You just learned many ways to shop for Suzuki Vitara insurance online. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Consumers could even find that the lowest car insurance rates come from a small mutual company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.
When shopping online for insurance, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.
Steps to buying low-cost Suzuki Vitara insurance in Virginia Beach
It takes a few minutes, but the best way to find affordable quotes for car insurance rates in Virginia Beach is to regularly compare price quotes from providers that insure vehicles in Virginia. You can shop around by following these steps.
- Try to understand how auto insurance works and the factors you can control to keep rates in check. Many rating factors that increase rates such as high-risk driving behaviors and a bad credit rating can be improved by being financially responsible and driving safely.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO and Allstate, while independent agencies can provide price quotes from multiple sources. View companies
- Compare the quotes to your existing coverage and determine if cheaper Vitara coverage is available in Virginia Beach. If you find better rates and switch companies, make sure there is no lapse in coverage.
The most important part of shopping around is that you use the same deductibles and limits on every price quote and and to get price estimates from as many companies as possible. This helps ensure an apples-to-apples comparison and a complete price analysis.
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