If you’re new to shopping for Virginia Beach car insurance quotes online, there’s a good chance you are confused by the diversity of companies all claiming to have the lowest rates for Jeep Cherokee insurance in Virginia Beach.
How to find affordable quotes for Jeep Cherokee insurance in Virginia Beach
If you want to save money, the best way to get low-cost Jeep Cherokee insurance is to start comparing prices regularly from insurance carriers who provide car insurance in Virginia Beach.
- Try to learn about how insurance works and the measures you can control to keep rates in check. Many risk factors that cause high rates like traffic violations, accidents, and poor credit rating can be improved by making minor changes in your lifestyle.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while independent agents can give you price quotes from many different companies.
- Compare the new quotes to your current policy to see if you can save by switching companies. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your company or agent to cancel your current policy and submit the application along with any required down payment to the new company. Don’t forget to safely store the proof of insurance paperwork along with the vehicle’s registration papers.
The most important part of this process is to use the same deductibles and limits on each quote request and and to compare every insurance company. This helps ensure an apples-to-apples comparison and the best price selection.
A recent survey discovered that most car insurance buyers in Virginia renewed their policy with the same company for four years or more, and about 40% of consumers have never even shopped around for cheap coverage. Many drivers in America could cut their rates by as much as 47% a year, but they feel it’s too difficult to do a rate comparison.
You need to get comparison quotes periodically because insurance rates go up and down regularly. Even if you think you had the lowest rate on Jeep Cherokee insurance in Virginia Beach a few years ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn the quickest way to properly buy coverages while reducing your premium.
If you are insured now, you will surely be able to get lower rates using the ideas presented in this article. This article will help you learn the most effective way to quote insurance and some money-saving tips. Although Virginia drivers do need to know the methods companies use to set your policy premium.
Most companies like Allstate, GEICO and Progressive provide coverage prices directly from their websites. Comparing prices online for Jeep Cherokee insurance in Virginia Beach is fairly simple as you simply enter the coverages you want as requested by the quote form. After the form is submitted, the company’s rating system will order your driving record and credit report and returns a price.
Being able to quote online for Jeep Cherokee insurance in Virginia Beach makes it easy to compare insurance prices and it’s absolutely necessary to do this if you want to find the best possible rates on auto insurance.
To save time and get comparison pricing now, take a look at the companies shown below. If you have coverage now, it’s recommended you replicate the coverages as shown on your current policy. This ensures you will receive a fair comparison based on similar coverages.
The companies in the list below can provide price comparisons in Virginia. To find cheap car insurance in Virginia Beach, VA, it’s highly recommended you visit two to three different companies to find the most affordable auto insurance rates.
Three main reasons to buy insurance
Despite the high cost of buying insurance for a Jeep Cherokee in Virginia Beach, insuring your vehicle is not optional due to several reasons.
- Most states have mandatory insurance requirements which means the state requires a specific minimum amount of liability protection if you don’t want to risk a ticket. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a loan on your Jeep, almost every bank will make it a condition of the loan that you have full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may have to buy a policy to insure your Jeep at a much higher rate and force you to pay for it.
- Insurance preserves both your Jeep Cherokee and your assets. It will also pay for medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your Cherokee definitely exceed the price paid, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is overpaying over $865 each year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.
Get discounts on Virginia Beach auto insurance
Auto insurance can be pricey, but you may be missing some discounts that could help you make your next renewal payment. Some discounts apply automatically at the time of purchase, but some must be specifically requested prior to receiving the credit.
- No Charge for an Accident – Not really a discount, but certain companies will let one accident slide without getting socked with a rate hike if you are claim-free for a set time period.
- Low Mileage Discounts – Low mileage vehicles may enable drivers to earn substantially lower premium rates.
- 55 and Retired – Mature drivers may receive better auto insurance rates.
- Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Student Discounts – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
- ABS Braking Discount – Cars and trucks with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
- Online Discount – Some companies give back up to $50 for buying your policy on the web.
- Clubs and Organizations – Joining a professional or civic organization could qualify you for a break on your policy.
- Defensive Driver Discounts – Taking a defensive driving class could earn you a small percentage discount depending on where you live.
It’s important to understand that many deductions do not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
If you would like to view insurance companies who offer cheap Jeep Cherokee insurance quotes in Virginia Beach in Virginia, click this link.
Insurance agent or online?
Many people would prefer to get professional advice from a licensed agent and that is OK! One of the best bonuses of getting free rate quotes online is that you can find cheaper car insurance rates and still buy from a local agent. And providing support for local insurance agents is important particularly in Virginia Beach.
After completing this simple form, your insurance coverage information is transmitted to local insurance agents in Virginia Beach who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any agents since rate quotes are delivered immediately to you. It’s the lowest rates without having to waste a lot of time. In the event you want to compare prices from one company in particular, don’t hesitate to search and find their rate quote page and submit a quote form there.
Listed below are Virginia Beach insurance companies that may be willing to give price quotes for Jeep Cherokee insurance in Virginia Beach.
- Toby Leffel Insurance Agency
921 First Colonial Road #1703 – Virginia Beach, VA 23454 – (757) 481-9105 – View Map - Jane Peak – State Farm Insurance Agent
315 N Great Neck Rd #220 – Virginia Beach, VA 23454 – (757) 340-8060 – View Map - Towne Insurance
301 Bendix Rd #300 – Virginia Beach, VA 23452 – (757) 468-6100 – View Map - State Farm: Pierre Granger
5705 Lynnhaven Pkwy – Virginia Beach, VA 23464 – (757) 962-2266 – View Map
Deciding on a company requires more thought than just a low price. A good agent in Virginia Beach will have answers to these questions.
- Do they carry Errors and Omissions coverage?
- How long has their agency been in business in Virginia Beach?
- Are they involved in claim handling?
- Are claim adjusters local or do you have to take your car somewhere else?
- How much can you save by raising your physical damage deductibles?
- Do they feel the quoted coverages are adequate?
Situations that may require an agent’s advice
When selecting a policy, there really is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed.
These are some specific questions could help you determine if you will benefit from professional help.
- Do I really need UM/UIM coverage?
- Why am I required to buy liability insurance?
- Am I covered if I drive in a foreign country?
- Are my friends covered when driving my Jeep Cherokee?
- Why does it cost so much to insure a teen driver in Virginia Beach?
- Is my teenager covered with friends in the car?
- What states are considered no-fault?
- Do they offer discounts for home and auto coverage?
- Why am I required to buy high-risk coverage?
- What is the rate difference between pleasure use and commuting?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.
Final considerations
In this article, we covered many ideas to find lower-cost Jeep Cherokee insurance in Virginia Beach. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on insurance is with some of the lesser-known companies. Some small companies may only write in your state and offer lower prices compared to the large companies like State Farm or Progressive.
When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where an insured dropped collision coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at a price you can afford.
How to find cheaper Jeep Cherokee insurance in Virginia Beach
If you want to find the absolute lowest rates, then the best way to get affordable Jeep Cherokee insurance is to compare prices at least once a year from providers in Virginia Beach. Prices can be compared by following these guidelines.
- First, get an understanding of the different coverages in a policy and the steps you can take to prevent high rates. Many rating criteria that result in higher prices like traffic citations, accidents, and a bad credit rating can be remedied by making minor changes to your lifestyle.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agents can quote prices for a wide range of insurance providers.
- Third, compare the new quotes to the price on your current policy to see if a cheaper price is available. If you find better rates and buy the policy, make sure there is no coverage gap between policies.
- Fourth, provide adequate notice to your current company of your intention to cancel your current policy and submit payment and a signed application to your new company or agent. Immediately put the new proof of insurance paperwork in an easily accessible location.
The key thing to know about shopping around is to try to use the same deductibles and limits on each price quote and and to get rates from as many car insurance companies as possible. Doing this guarantees a level playing field and a complete rate analysis.
Additional detailed information can be read by following these links:
- Understanding Car Crashes Video (iihs.org)
- Who Has Cheap Auto Insurance for 17 Year Olds in Virginia Beach? (FAQ)
- Who Has Affordable Car Insurance Quotes for Young Drivers in Virginia Beach? (FAQ)
- How Much is Auto Insurance for Good Drivers in Virginia Beach? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Over Age 60 in Virginia Beach? (FAQ)
- Teen Driving and Texting (State Farm)
- Liability Insurance Coverage (Nationwide)