Searching for lower-priced Lexus NX 300h insurance in Virginia Beach? Are you drained from robbing Peter to pay Paul to insure your Lexus every month? You are in the same boat as many other Virginia drivers.
It’s amazing but nearly 70% of consumers have been with the same company for more than four years, and almost 40% of drivers have never taken the time to shop around. Virginia Beach drivers could save as much as 45% every year just by shopping around, but they don’t believe how much they could save if they changed companies.
Since drivers have many online and local companies to choose from, it can be difficult for people to find the right company.
It’s a good idea to take a look at other company’s rates every six months because prices are rarely the same from one policy term to another. Just because you had the best rates on Lexus NX 300h insurance in Virginia Beach a year ago the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because we’re going to demonstrate the things you must know in order to eliminate unnecessary coverages and save money on Lexus NX 300h insurance in Virginia Beach.
When shopping for Lexus NX 300h insurance in Virginia Beach there are multiple ways of comparing price quotes from different Virginia Beach insurance companies. The best method to do a complete rate comparison is simply to get online rate quotes.
Comparison shopping rates online is easy and it replaces the need to call or drive to and from local Virginia Beach insurance agencies. Comparing Lexus NX 300h insurance rate quotes online has made agencies unnecessary unless your situation requires the peace of mind that you can only get from talking to an agent. If you prefer, some companies allow you to price shop your coverage online but buy the policy through an agent.
Just keep in mind that comparing a large number of companies will improve the odds of getting the best rates. Some companies don’t provide Virginia Beach NX 300h insurance quotes online, so you also need to get rates from the smaller companies as well.
The following companies offer price comparisons in Virginia. To find cheap auto insurance in Virginia, it’s highly recommended you compare several of them to get the lowest price.
Insurance does more than just protect your car
Despite the high cost, insurance may be mandatory for several reasons.
- The majority of states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance in order to license the vehicle. 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 vehicle, almost every bank will require that you have physical damage coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Lexus for a much higher rate and require you to fork over a much higher amount than you were paying before.
- Insurance preserves your Lexus NX 300h and your assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly when you have a large claim. The average driver in Virginia is overpaying more than $855 a year so shop around at every renewal to ensure rates are inline.
Get cheaper rates by receiving discounts
Insurance is not cheap nor is it fun to buy but there could be available discounts to help offset the cost. Some discounts apply automatically when you get a quote, but some discounts are required to be asked for before being credited.
- E-sign Discounts – A few larger online companies will give you a small discount for buying a policy and signing up on the internet.
- Discounts for Government Workers – Active or former government employment can earn a discount up to 10% depending on your company.
- College Student – Older children who are attending college and leave their car at home may qualify for this discount.
- No Charge for an Accident – Not really a discount, but a handful of insurance companies allow you one accident before they charge you more for coverage if you have no claims prior to the accident.
- Life Insurance – Larger companies have a break if you buy some life insurance in addition to your auto policy.
- Membership in Organizations – Having an affiliation with certain professional organizations is a simple method to lower premiums on your policy.
- Fewer Miles Equal More Savings – Keeping the miles down on your Lexus can earn lower premium rates on the low mileage vehicles.
- ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and will save you 10% or more on NX 300h insurance in Virginia Beach.
- Theft Deterrent Discount – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and will qualify for a discount on a Virginia Beach auto insurance quote.
- Defensive Driving Course – Successfully completing a class that teaches driver safety techniques is a good idea and can lower rates and easily recoup the cost of the course.
A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, that’s just not realistic. But all discounts will definitely reduce the cost of your policy.
A list of insurance companies and some of the discounts include:
- Farmers Insurance has savings for teen driver, switch companies, good student, alternative fuel, mature driver, and electronic funds transfer.
- State Farm offers premium reductions for Steer Clear safe driver discount, good student, student away at school, accident-free, and safe vehicle.
- Liberty Mutual offers discounts for multi-car, teen driver discount, newly married, safety features, new graduate, new vehicle discount, and good student.
- MetLife may have discounts that include good student, good driver, claim-free, accident-free, and defensive driver.
- Progressive includes discounts for good student, continuous coverage, multi-vehicle, online signing, and online quote discount.
When getting free Virginia Beach auto insurance quotes, it’s a good idea to all the companies which discounts can lower your rates. Some discounts may not be available everywhere. For a list of insurers that offer discounts in Virginia Beach, click here to view.
Best car insurance in Virginia Beach
Buying coverage from a high-quality insurance provider can be a challenge considering how many different companies there are to choose from in Virginia Beach. The rank data below may help you select which insurers to look at comparing rate quotes with.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies