Do you want an efficient way to compare lower-priced auto insurance rates in Virginia Beach, VA? Virginia Beach shoppers have lots of choices when shopping for affordable Toyota Avalon insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to find the lowest rates.
There are both good and bad ways to shop for auto insurance and we’ll show you the absolute fastest way to compare rates for your Toyota and locate the cheapest rates either online or from Virginia Beach insurance agents.
It’s a great practice to compare prices quite often because prices are adjusted regularly by insurance companies. Even if you got the best deal on Toyota Avalon insurance in Virginia Beach at your last renewal other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the best way to reduce your cost while improving coverage.
If you have coverage now or need new coverage, use these tips to shop for the lowest rates while maximizing coverage. We hope to teach you a little about how to compare rates easily and some tips to save money. Consumers only have to learn the most efficient way to find the lowest price online.
Finding a lower price on Toyota Avalon insurance can be relatively painless. Just invest a few minutes to compare rates to find the company with inexpensive Virginia Beach auto insurance quotes.
The auto insurance companies shown below are ready to provide comparison quotes in Virginia Beach, VA. If you want to find the best cheap auto insurance in Virginia Beach, VA, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Lower-cost Toyota Avalon insurance in Virginia Beach
Some companies do not list all possible discounts very well, so below is a list both the well known as well as some of the hidden discounts that may be available.
- Early Renewal Discounts – A few car insurance companies offer discounts for switching policies before your current expiration date. You could save around 10% when you buy Virginia Beach auto insurance online.
- Theft Deterrent Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
- Defensive Driver Discounts – Participating in a safe driver course could cut 5% off your bill and easily recoup the cost of the course.
- Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on Virginia Beach auto insurance quote when compared to drivers with a long claim history.
- Discount for New Cars – Adding a new car to your policy can save you some money since new model year vehicles have better safety ratings.
- Multi-Vehicle Discounts – Drivers who insure more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
As a footnote on discounts, most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, you won’t be that lucky.
The diagram below compares Toyota Avalon insurance rates with and without discounts applied to the policy premium. The costs are based on a male driver, no accidents or driving violations, Virginia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, homeowner, and multi-policy discounts applied.
For a list of insurance companies who offer online Toyota Avalon insurance quotes in Virginia Beach, click here to view.
Rate information and statistics
The information below highlights detailed analysis of insurance premium costs for Toyota Avalon models. Having a better idea how insurance prices are established can help you make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $240 | $452 | $284 | $16 | $86 | $1,078 | $90 |
| Avalon XLS | $240 | $532 | $284 | $16 | $86 | $1,158 | $97 |
| Avalon Limited | $268 | $532 | $284 | $16 | $86 | $1,186 | $99 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in your specific Virginia Beach location which can influence rates greatly.
Policy deductibles
When shopping for insurance, a common question is how high should the physical damage deductibles be. The following tables approximate the difference in cost when you choose different coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $224 | $336 | $218 | $12 | $66 | $881 | $73 |
| Avalon XLS | $224 | $394 | $218 | $12 | $66 | $939 | $78 |
| Avalon Limited | $250 | $394 | $218 | $12 | $66 | $965 | $80 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $182 | $270 | $218 | $12 | $66 | $748 | $62 |
| Avalon XLS | $182 | $318 | $218 | $12 | $66 | $796 | $66 |
| Avalon Limited | $204 | $318 | $218 | $12 | $66 | $818 | $68 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in vehicle garaging location which can impact auto insurance rates noticeably.
We can estimate from the data above that using a $250 deductible will cost you roughly $12 more each month or $144 for a full year averaged for all Avalon models than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 21 months between claims, you would probably save some money by going with a higher deductible. Here is how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $77 |
| Average monthly premium for $500 deductibles (subtract): | – $65 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
An important sidenote is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself if you have a claim. That will force you to have enough extra money in the event you have to pay the deductible to have repairs made.
Rate comparison of men versus women in Virginia Beach
The chart below shows the comparison of Toyota Avalon insurance prices for male and female drivers. The price estimates are based on no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, single status, and no additional discounts are factored in.
Rate comparison of full coverage and liability-only
The diagram below illustrates the comparison of Toyota Avalon auto insurance rates with full physical damage coverage compared to only buying liability only. The prices are based on no claims or violations, $100 deductibles, single marital status, and no policy discounts are applied.
When to switch to liability coverage only
There is no clear-cut formula of when to exclude full coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s say your Toyota Avalon settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after the policy deductible has been paid. If you are paying in excess of $500 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where removing full coverage is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
You Can Change Your Insurance Costs
Many different elements are part of the calculation when quoting car insurance. Most are fairly basic such as your driving record, although some other factors are less apparent such as whether you are married or your vehicle rating.
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Responsible drivers have lower premiums – Careful drivers have lower premiums than their less careful counterparts. Only having one driving citation can increase rates by twenty percent. People who have serious tickets like DUI or reckless driving might be required by their state to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.
The diagram below demonstrates how speeding tickets and at-fault claims can raise Toyota Avalon car insurance costs for different age groups. The premiums assume a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
- Do you know you’re credit rating? – A driver’s credit score can be a huge factor in determining what you pay for insurance. People that have very high credit ratings tend to be better risks to insure than drivers who have poor credit. If your credit rating leaves room for improvement, you could pay less to insure your Toyota Avalon by improving your credit score.
- Discounts for auto and home policies – Most major insurers allow better rates to buyers that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s always a smart idea to shop around to verify if the discount is saving money. Drivers may still find better rates by splitting coverages up.
- Always keep your policy in place – Not maintaining insurance is illegal and you may have a hard time finding new coverage because you let your coverage lapse. Not only will you pay more, failure to provide proof of insurance might get you a steep fine or even jail time. You may need to submit proof of financial responsibility or a SR-22 with the Virginia motor vehicle department.
- File insurance claims and pay more – If you tend to file frequent claims, you shouldn’t be surprised to get much higher rates or policy non-renewal. Auto insurance companies in Virginia provide the lowest premiums to policyholders who do not file claims often. Your car insurance is meant to be used in the event of larger claims.
- Premiums impacted by vehicle usage – Driving a lot of miles annually the more you’ll pay to insure it. A lot of companies rate vehicles based upon how much you drive. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Having the wrong rating on your Avalon is throwing money out the window. It’s a good idea to make sure your insurance declarations sheet states the correct usage for each vehicle.
- Defend yourself with liability coverage – Your policy’s liability coverage is the protection when you are responsible for damages from an accident. This coverage provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so buy as much as you can afford.
- Adjust comp and collision deductibles and save – The deductibles you choose represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, also called ‘full coverage’, is used to repair damage to your car. Examples of covered claims would be rear-ending another vehicle, damage caused by hail, and having a roll-over accident. The more expense you choose to pay out-of-pocket, the lower your rates will be.
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Toyota Avalon insurance loss data – Auto insurance companies use historical loss data to calculate a price that will offset any claims. Vehicles that historically have a trend towards higher claim severity or frequency will have a higher premium rate.
The information below illustrates the compiled insurance loss statistics for Toyota Avalon vehicles. For each coverage type, the claim amount for all vehicles, regardless of make or model, is set at 100. Values that are below 100 indicate a favorable loss history, while numbers above 100 indicate more frequent claims or an increased probability of a larger loss.
Toyota Avalon Insurance Claim Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Toyota Avalon 113 72 112 106 98 74 Toyota Avalon Hybrid 120 72 132 107 85 80 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Comparing rates from local Virginia Beach car insurance agents
Many drivers still like to buy from a local agent and that is just fine! Licensed agents are highly skilled in risk management and help you file claims. One of the best bonuses of comparing auto insurance online is that you can find lower rates and still have an agent to talk to. Buying from and supporting local insurance agencies is definitely important in Virginia Beach.
To find an agent, once you fill out this simple form, your coverage information is immediately sent to insurance agents in Virginia Beach who will gladly provide quotes for your coverage. You never need to visit any agencies because prices are sent immediately to you. If for some reason you want to quote rates for a specific company, just navigate to their website and fill out their quote form.
Two types of auto insurance agents
When narrowing the list to find a local Virginia Beach insurance agency, you should know the different types of agencies to choose from. Auto insurance agencies are classified as either independent (non-exclusive) or exclusive. Both can handle auto insurance, but it’s important to point out the differences because it can impact which type of agent you select.
Independent Agents
These type of agents are not employed by any specific company so they can quote policies with multiple insurance companies and find you cheaper rates. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to do anything.
When comparison shopping, we recommend you check rates from several independent agencies for the best price selection. Most can insure with less well-known companies which can be an advantage.
The following is a short list of independent insurance agents in Virginia Beach that may be able to give price quote information.
- Wilson Insurance Agency, Inc
1127 Crystal Lake Dr – Virginia Beach, VA 23451 – (757) 491-8953 – View Map - Insurance Strategies – The Cooksey Agency
780 Lynnhaven Pkwy #400 – Virginia Beach, VA 23452 – (757) 819-6896 – View Map - Nationwide Insurance: Avery Insurance Agency Inc
5268 Fairfield Shopping Centre – Virginia Beach, VA 23464 – (757) 366-0366 – View Map
Exclusive Agents
Agents that choose to be exclusive are contracted to one company and examples are Allstate, State Farm and Farmers Insurance. These agents are not able to shop your coverage around so they have to upsell other benefits. Exclusive insurance agents are highly trained on the products they sell which can be an advantage. Many people buy from exclusive agents partially due to the prominent brand name and the convenience of having a single billing for all their coverages.
Below is a list of exclusive insurance agents in Virginia Beach that are able to give comparison quotes.
- Al Taxter – State Farm Insurance Agent
6070 Indian River Rd #104 – Virginia Beach, VA 23464 – (757) 420-2575 – View Map - Matt Abbott – State Farm Insurance Agent
4646 Princess Anne Rd #103 – Virginia Beach, VA 23462 – (757) 497-1999 – View Map - Rhonda Floasin – State Farm Insurance Agent
1115 Independence Blvd #214 – Virginia Beach, VA 23455 – (757) 363-7376 – View Map
Finding the right insurance agency shouldn’t rely on just the price. Some important questions to ask are:
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How will an accident affect your rates?
- Do they regularly work with personal auto policies in Virginia Beach?
- Is insurance their full-time profession?
- Are they involved in claim handling?
It’s not one size fits all
When it comes to the best insurance coverage for your personal vehicles, there really isn’t a best way to insure your cars. Coverage needs to be tailored to your specific needs and your insurance should be unique as well.
Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.
- Can I make deliveries for my home business?
- Do I get a pro-rated refund if I cancel my policy early?
- Am I missing any policy discounts?
- Should I file a claim if it’s only slightly more than my deductible?
- Am I covered if I break a side mirror?
- When do I need to add a new car to my policy?
- How high should deductibles be on a Toyota Avalon?
If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.
Cover all your bases
You just read many ways to reduce Toyota Avalon insurance car insurance rates online in Virginia Beach. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding low cost Virginia Beach auto insurance quotes. You may even discover the most savings is with a smaller regional carrier. Some small companies can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive and GEICO.
A few companies do not provide online price quotes and these smaller providers sell through independent agents. Lower-priced auto insurance in Virginia Beach can be found on the web and from local agencies, so compare prices from both to have the best chance of lowering rates.
How to save on Toyota Avalon insurance in Virginia Beach
The best way to find better pricing on auto insurance rates is to compare prices once a year from providers who can sell car insurance in Virginia Beach. Rates can be compared by following these steps.
- Step 1: Spend some time learning about how companies price auto insurance and the steps you can take to keep rates in check. Many things that cause rate increases like accidents, traffic violations, and a negative credit rating can be eliminated by making minor changes in your lifestyle.
- Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple sources. View companies
- Step 3: Compare the new rates to your current policy to see if a cheaper price is available. If you can save money and buy the policy, make sure there is no coverage gap between policies.
An essential thing to point out is that you’ll want to compare the same physical damage deductibles and liability limits on every quote request and and to get quotes from as many companies as you can. This guarantees an apples-to-apples comparison and the best price selection.
More information can be found at these links:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has Cheap Car Insurance for College Graduates in Virginia Beach? (FAQ)
- Who Has Cheap Virginia Beach Car Insurance Quotes for Nurses? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Jeep Grand Cherokee in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Virginia Beach? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Uninsured Motorist Statistics (Insurance Information Institute)