Anyone knows that car insurance companies don’t want you to look for a cheaper policy. People who shop around once a year will most likely buy a new policy because there is a good chance of finding more affordable rates. A recent survey discovered that people who shopped around annually saved about $70 a month compared to people who didn’t regularly shop around.
If saving the most money on insurance in Virginia Beach is your ultimate objective, learning how to choose a company and compare auto insurance can make it simple to find affordable coverage.
To save the most money, the best way to get the cheapest auto insurance rates in Virginia Beach is to do an annual price comparison from providers in Virginia.
- It will benefit you to learn about the coverage provided by your policy and the changes you can make to prevent rate increases. Many things that increase rates like at-fault accidents, careless driving, and a negative credit score can be rectified by being financially responsible and driving safely. Keep reading for more details to get better rates and get bigger discounts that may have been overlooked.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can give you price quotes from many different companies.
- Compare the quotes to your existing coverage and see if you can save money. If you find a better price and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
One piece of advice is that you use the same amount of coverage on each price quote and and to get prices from as many carriers as you can. This helps ensure the most accurate price comparison and plenty of rates choose from.
If you have a current car insurance policy, you stand a good chance to be able to reduce premiums using these techniques. Locating the most cost-effective car insurance policy in Virginia Beach can initially seem challenging. Although Virginia vehicle owners should learn the way insurance companies determine prices because it varies considerably.
Auto insurance providers offering cheap rates in Virginia
The providers in the list below are ready to provide free rate quotes in Virginia. If multiple companies are listed, we suggest you click on several of them to find the most competitive auto insurance rates.
Kia Sedona insurance rates and statistics
The premium information displayed below covers different policy rates for Kia Sedona models. Being more informed about how insurance quotes are determined can help drivers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $122 | $174 | $218 | $12 | $66 | $592 | $49 |
| Sedona LX | $122 | $210 | $218 | $12 | $66 | $628 | $52 |
| Sedona EX | $138 | $210 | $218 | $12 | $66 | $644 | $54 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific location information which can modify prices significantly.
Policy deductible comparison
One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The rates below lay out how much more you’ll pay between high and low deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $222 | $328 | $218 | $12 | $66 | $871 | $73 |
| Sedona LX | $222 | $400 | $218 | $12 | $66 | $943 | $79 |
| Sedona EX | $250 | $400 | $218 | $12 | $66 | $971 | $81 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sedona | $162 | $222 | $218 | $12 | $66 | $680 | $57 |
| Sedona LX | $162 | $270 | $218 | $12 | $66 | $728 | $61 |
| Sedona EX | $182 | $270 | $218 | $12 | $66 | $748 | $62 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease rates considerably.
Using the data above, we can ascertain that using a $100 deductible costs an average of $18 more each month or $216 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have more than 22 months between claims, you would save more money if you choose a higher deductible.
Male drivers compared to female drivers in Virginia Beach
The chart below illustrates the comparison of Kia Sedona insurance prices for male and female drivers. The costs are based on no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
How Your Sedona Insurance Premiums are Determined
Consumers need to have an understanding of the factors that help determine your policy premiums. If you know what determines base rates, this empowers consumers to make smart changes that can help you get better auto insurance rates. Many different elements are part of the equation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but other factors are not quite as obvious like your vehicle usage and annual miles driven.
The items below are some of the most rate-impacting factors utilized by car insurance companies to help set your premiums.
Tickets cost more than a fine – Having a clean driving record has a huge affect on how much you pay. Only having one speeding ticket can increase rates substantially. Careful drivers get better prices than their less careful counterparts. Drivers who have received careless violations like DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.
The information below illustrates how violations and fender-benders can influence Kia Sedona insurance costs for different ages of insureds. The data assumes a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.
Save money by having multiple policies – Most companies afford better rates to people who have multiple policies with them in the form of a multi-policy discount. Discounts can be ten or even fifteen percent. Even with this discount, you still need to get quotes from other companies to guarantee you are still saving the most. It’s possible to still find lower rates by buying auto insurance from a different company.
When should you not file claims? – Car insurance companies in Virginia award better rates to drivers that do not abuse their auto insurance. If you file a lot of claims you can expect either higher rates or even cancellation. Insurance coverage is meant to be used in the event of more catastrophic claims.
Vehicle risk impacts prices – The type of vehicle you need to insure makes a big difference in your auto insurance rates. The most favorable rates are usually for small economy passenger cars, but the cost you end up paying is determined by many additional factors.
The following data uses these assumptions: single female driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Kia Sedona rates compared to other makes and models that have different performances.
No coverage gaps is important – Driving with no insurance is a big no-no and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. And not only will your rates increase, getting caught without coverage can result in fines and jail time.
Kia Sedona statistical loss data – Car insurance companies take into consideration historical loss data for every vehicle to determine a price that will be profitable for them. Models that historically have higher number or severity of losses will have a higher premium rate. The next table illustrates the historical insurance loss data for Kia Sedona vehicles.
For each insurance policy coverage type, the claim amount for all vehicles as a whole equals 100. Percentage numbers below 100 are indicative of better than average losses, while numbers shown that are more than 100 indicate more frequent losses or a tendency for losses to be larger than average.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Sedona | 102 | 64 | 96 | 116 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Affordable Kia Sedona insurance in Virginia Beach
Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so we break down a few of the more well known and also the lesser-known savings tricks you should be using when you buy Virginia Beach car insurance online.
- Multi-policy Discount – If you combine your auto and homeowners policies and place coverage with the same company you could save up to 20% off your total Sedona insurance premium.
- Resident Student – Youth drivers who live away from home at college and do not take a car to college may be insured at a cheaper rate.
- Telematics Data Discounts – People who choose to allow companies to scrutinize when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they are good drivers.
- Home Ownership Discount – Owning a home in Virginia Beach can earn you a little savings due to the fact that maintaining a home requires personal responsibility.
- Switch and Save Discount – Some insurance companies provide a discount for buying a new policy prior to your current Sedona insurance policy expiration. You may see this discount when you get Virginia Beach car insurance quotes online.
- Discount for Passive Restraints – Vehicles equipped with air bags may get savings up to 30%.
As a footnote on discounts, most credits do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.
The illustration below visualizes the comparison of Kia Sedona car insurance rates with and without discounts applied to the policy premium. The premiums are based on a male driver, no claims or driving citations, Virginia state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-policy, homeowner, and multi-car discounts applied.
Companies and a selection of discounts are:
- AAA offers discounts including AAA membership discount, pay-in-full, education and occupation, good driver, and multi-policy.
- Progressive may include discounts for continuous coverage, good student, online quote discount, multi-policy, homeowner, multi-vehicle, and online signing.
- State Farm may offer discounts for defensive driving training, Drive Safe & Save, good student, driver’s education, and anti-theft.
- Esurance offers discounts for paid-in-full, good driver, renters, good student, and safety device.
- Nationwide offers premium reductions for multi-policy, easy pay, good student, business or organization, and family plan.
Before purchasing a policy, check with every company the best way to save money. Some of the earlier mentioned discounts may not apply to policies everywhere. If you would like to choose from a list of insurers who offer cheap Kia Sedona insurance quotes in Virginia, follow this link.
Local Virginia Beach car insurance agents
Certain consumers prefer to visit with an insurance agent and that is a personal choice. A good thing about price shopping on the web is that drivers can save money and get lower rates and still choose a local agent.
To find an agent, once you fill out this quick form, your insurance coverage information gets sent to insurance agents in Virginia Beach that give free quotes for your coverage. There is no need to visit any agencies as quotes are delivered to you instantly. You can find lower rates without a big time investment. In the event you want to compare rates from a specific company, feel free to jump over to their website and complete a quote there.
Finding a good insurer requires you to look at more than just a low price. These are some valid questions you should ask.
- If your car is in the repair shop, do you have coverage for a rental car?
- Can they give you a list of client referrals?
- Will your rates increase after a single accident?
- Does the company have a solid financial rating?
- Do you qualify for any additional discounts?
- Did they already check your driving record and credit reports?
If you are searching for a local Virginia Beach insurance agency, it helps to know the two types of agencies and how they work. Agents in Virginia Beach are classified as either independent or exclusive.
Exclusive Insurance Agents
Exclusive agencies can only place business with one company and some examples include Farmers Insurance and State Farm. They generally cannot give you multiple price quotes so keep that in mind. Exclusive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents.
Below are Virginia Beach exclusive insurance agencies that can give you price quotes.
Ed Barnhart – State Farm Insurance Agent
5660 Indian River Rd #126 – Virginia Beach, VA 23464 – (757) 366-0322 – View Map
Stephanie Langkil – State Farm Insurance Agent
5441 Virginia Beach Blvd #115 – Virginia Beach, VA 23462 – (757) 499-3411 – View Map
Brett Cambron – State Farm Insurance Agent
1485 General Booth Blvd ste. 114 – Virginia Beach, VA 23454 – (757) 499-0559 – View Map
Independent Agencies or Brokers
Agents in the independent channel do not write with just one company and that allows them to write policies with a variety of different insurance companies and get the cheapest rates. If they quote lower rates, your agent can just switch to a different company and you don’t have to switch agencies. When comparing car insurance prices, you will want to include at least one independent agent to get the best comparison.
The following are Virginia Beach independent agents who can help you get price quotes.
WBR Insurance
3213 Virginia Beach Blvd – Virginia Beach, VA 23452 – (757) 340-0028 – View Map
Toby Leffel Insurance Agency
921 First Colonial Road #1703 – Virginia Beach, VA 23454 – (757) 481-9105 – View Map
Bell Insurance Agency Corporation
1501 Cornwell Ln – Virginia Beach, VA 23454 – (757) 340-0028 – View Map
If you get good answers to your questions and an affordable coverage quote, you’ve probably found an insurance agency that will insure your vehicles. But keep in mind it’s your policy and you can cancel your coverage for any reason so don’t assume that you are permanently stuck with any particular company for a certain time period.
Ratings for Virginia Beach car insurance companies
Ending up with a highly-rated company is difficult considering how many different insurance companies sell coverage in Virginia. The rank data in the lists below may help you analyze which providers you want to consider buying from.
| 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
When in doubt talk to an agent
Always remember that when buying the best auto insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.
For example, these questions could help you determine if your insurance needs could use an agent’s help.
- Does my policy cover my teen driver if they drive my company car?
- Does coverage extend to Mexico or Canada?
- Do I have coverage for damage caused while driving under the influence?
- How can I find cheaper teen driver insurance?
- Is my nanny covered when driving my vehicle?
- Is there coverage for my trailer?
- Am I covered by my spouse’s policy after a separation?
- Which companies will insure high-risk drivers?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Don’t give up on affordable rates
When trying to cut insurance costs, never buy poor coverage just to save money. There are too many instances where an insured dropped full coverage only to find out that it was a big error on their part. The goal is to get the best coverage possible at the best cost but still have enough coverage for asset protection.
Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, questionable increases in premium, delays in paying claims or even lack of trust in their agent. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.
You just learned quite a bit of information on how to reduce Kia Sedona insurance car insurance rates online in Virginia Beach. The key thing to remember 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 lowest priced insurance comes from the least-expected company.
More detailed insurance information is available by following these links:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has Affordable Virginia Beach Auto Insurance Quotes for Electric Cars? (FAQ)
- How Much is Virginia Beach Auto Insurance for a Honda Civic? (FAQ)
- Who Has Cheap Car Insurance for a GMC Sierra in Virginia Beach? (FAQ)
- Who Has Cheap Auto Insurance for 19 Year Olds in Virginia Beach? (FAQ)
- How Much are Car Insurance Quotes for Postal Workers in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Quotes for State Employees in Virginia Beach? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Good Students in Virginia Beach? (FAQ)
- How Much is Car Insurance for a Ford Fusion in Virginia Beach? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Rental Reimbursement Coverage (Allstate)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)