Save Money on Chrysler Town and Country Insurance in Virginia Beach

A recent survey discovered that 70% of consumers have been with the same company for well over three years, and roughly 40% of drivers have never shopped around. Drivers in America can cut their rates by as much as $860 a year by just comparing quotes, but they assume it’s a waste of time to find cheaper insurance by shopping around.

The best way to find the cheapest price for Chrysler Town and Country insurance is to do a yearly price comparison from insurance carriers that sell auto insurance in Virginia Beach.

• First, try to comprehend coverages and the modifications you can make to prevent high rates. Many things that drive up the price such as speeding and an unacceptable credit history can be controlled by making minor changes in your lifestyle. This article gives more ideas to help prevent expensive coverage and find possible discounts that are available.
• Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or Allstate, while independent agencies can provide rate quotes from multiple insurance companies. Start a quote
• Third, compare the new rates to your existing policy and see if there is a cheaper rate. If you find a better price and make a switch, verify that coverage does not lapse between policies.
• Fourth, provide proper notification to your current company to cancel your current auto insurance policy. Submit a down payment and signed policy application to your new company or agent. Make sure you safely store the certificate verifying proof of insurance with your registration paperwork.

A good tip to remember is that you’ll want to compare the same deductibles and limits on each quote and and to get price quotes from as many carriers as you can. This guarantees an apples-to-apples comparison and the most accurate and complete price analysis.

Affordable companies for Chrysler Town and Country insurance in Virginia

The providers in the list below are ready to provide price comparisons in Virginia. To locate the best auto insurance in Virginia, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.

Rate information and statistics

The table below covers estimates of insurance coverage prices for Chrysler Town and Country models. Learning a little about how rates are calculated is important for making informed decisions when comparing rate quotes.

Data based on married male driver age 50, 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. Table data does not factor in specific location information which can modify price quotes greatly.

Physical damage deductibles: Should you raise them?

A question often asked by Virginia Beach drivers is what deductibles to buy. The following insurance rates may aid in understanding the price difference when you select higher and lower comp and collision deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in specific location information which can alter premiums significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $27 more each month or $324 each year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 33 months between claim filings, you would probably save some money if you decide on a higher deductible. Here’s how this decision is made.

One important note is that a higher deductible means you will have to pay more of your own money when you do file a claim. That will necessitate a higher level of savings in the event you have to pay the higher deductible.

The illustration below demonstrates how choosing different deductibles and can affect Chrysler Town and Country annual premium costs for each different age category. The premium estimates are based on a married male driver, full coverage, and no policy discounts are applied.

Comparison of full coverage and liability-only policies

The information below shows the difference between Chrysler Town and Country auto insurance costs when comparing full coverage to liability only. The data is based on no claims or violations, $250 deductibles, single status, and no other discounts are factored in.

When to switch to liability coverage only

There is no definitive guideline to delete comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s assume your Chrysler Town and Country replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after paying your deductible. If you are paying more than $800 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few situations where only buying liability is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Affordable rates by earning discounts

Car insurance is not cheap, but there could be available discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but a few must be asked for before you get the savings.

• Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a Virginia Beach car insurance quote.
• Include Life Insurance and Save – Larger insurance carriers have a small discount if you purchase life insurance.
• Sign Early and Save – Some auto insurance companies provide a discount for switching companies before your current expiration date. The savings is around 10%.
• Use Seat Belts – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the PIP or medical payment premium.
• Good Student – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
• Telematics Discount – People who choose to allow data collection to look at when and where they use their vehicle remotely such as Progressive’s Snapshot may get a rate reduction as long as the data is positive.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck. But all discounts will positively reduce your policy cost.

The chart below compares Chrysler Town and Country auto insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no violations or accidents, Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, claim-free, homeowner, and marriage discounts applied.

A list of auto insurance companies and a selection of discounts are outlined below.

• State Farm offers discounts including good student, safe vehicle, passive restraint, accident-free, driver’s education, and student away at school.
• Farmers Insurance may include discounts for multi-car, teen driver, mature driver, electronic funds transfer, alternative fuel, youthful driver, and bundle discounts.
• GEICO offers premium reductions for daytime running lights, anti-theft, five-year accident-free, membership and employees, air bags, military active duty, and multi-policy.
• American Family may have discounts that include multi-vehicle, good driver, defensive driver, early bird, accident-free, and good student.
• Nationwide has discounts for family plan, good student, business or organization, accident-free, and anti-theft.
• Progressive discounts include multi-vehicle, homeowner, multi-policy, good student, online signing, and continuous coverage.

If you want affordable Virginia Beach car insurance quotes, ask every insurance company how you can save money. Some credits may not be available in your area.

Learn How to Buy Car Insurance More Affordably

Many different elements are used when you get your auto insurance bill. Some are obvious like an MVR report, but other criteria are not as apparent such as your credit history and annual miles driven.

• More policies can equal more savings – Most insurers provide a discount to clients who consolidate policies with them in the form of a multi-policy discount. Discounts can be ten percent or more. Even with this discount, you still need to get quotes from other companies to confirm you are receiving the best rates possible.There is a good possibility that you can save money even if you have your coverage with different companies

• Experienced drivers pay less – Beginning drivers in Virginia have been known to get distracted easily in a vehicle so car insurance rates are higher. Older people are proven to be safer behind the wheel, are lower risk to insure, and usually have better credit.

  The next chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

• Do females or males drive better? – Statistics demonstrate that females tend to be a little less risky than males. However, this does not mean women are better drivers. Women and men have at-fault accidents in similar percentages, but males cause more damage. Men also get ticketed for serious violations like reckless driving and DUI. Males from age 16 to 21 are several times more likely to be in an accident so they pay the highest premiums.

  The information below illustrates the comparison of Chrysler Town and Country insurance rates for male and female drivers. The data is based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.

• Drive lots and pay more – The more you drive your Chrysler every year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how much you drive. Autos left parked in the garage receive lower rates than vehicles that have high annual mileage. Improper usage on your Town and Country may be wasting your money. Verify your vehicle rating properly reflects the correct usage, because it can save money.
• Do safer cars cost less to insure? – Cars with five star safety ratings can get you lower premiums. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means lower claim amounts which can result in lower premiums. If your Chrysler Town and Country has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Insurance is available from local agents

A small number of people would prefer to visit with an insurance agent and doing that can be a smart decision The biggest benefit of comparing rate quotes online is the fact that drivers can get cheap insurance quotes and still choose a local agent. And supporting neighborhood insurance agencies is important especially in Virginia Beach.

After filling out this short form, the quote information is immediately sent to agents in your area who will return price quotes for your insurance coverage. There is no need to visit any agencies due to the fact that quote results will go to you instantly. You can find the lowest rates and an insurance agent to talk to. In the event you want to compare prices from a specific company, just go to their quote page and fill out their quote form.

When narrowing the list to find a reputable agency, you must know there are a couple different types of agents and how they are distinctly different. Insurance agencies are considered either exclusive or independent.

Independent Insurance Agents

Agents that elect to be independent can quote rates with many companies so they can quote policies with an assortment of companies and get the cheapest rates. If you want to switch companies, your agent can switch companies and you don’t have to switch agencies. When comparing insurance prices, you definitely need to include rate quotes from at least one independent agent to get the most accurate price comparison. Many can place coverage with additional companies that you may not be familiar with which can save you money.

Listed below is a small list of independent agencies in Virginia Beach that may be able to give you comparison quotes.

• Hampton Roads Insurance
  633-D Independence Blvd – Virginia Beach, VA 23462 – (757) 285-4754 – View Map
• Glandon Agency
  212 87th St – Virginia Beach, VA 23451 – (757) 422-6729 – View Map
• Nationwide Insurance: The Braun Agency Inc
  6062 Indian River Rd Ste 101 – Virginia Beach, VA 23464 – (757) 420-2060 – View Map

View more Virginia Beach agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company such as State Farm, Allstate, and Farm Bureau. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are well trained on the products they sell which can be an advantage. Consumers frequently buy from exclusive agents mostly because of the prominent brand name instead of buying on price only.

The following are Virginia Beach exclusive agents that are able to give price quotes.

• Matt Abbott – State Farm Insurance Agent
  4646 Princess Anne Rd #103 – Virginia Beach, VA 23462 – (757) 497-1999 – View Map
• Allstate Insurance: Richard C. Barbosa, II
  4382 Holland Plaza Shopping Ctr, # Ce – Virginia Beach, VA 23452 – (757) 431-0217 – View Map
• Bill Cooper Jr – State Farm Insurance Agent
  421 S Witchduck Rd – Virginia Beach, VA 23462 – (757) 490-2744 – View Map

View more Virginia Beach agents

Selecting an car insurance agent is decision based upon more than just the bottom line cost. Any agent in Virginia Beach should have no problem answering these questions:

• Is the agency active in community causes in Virginia Beach?
• Do they prorate repair cost based on vehicle mileage?
• How many years have they been established?
• Is there a Errors and Omissions policy in force?
• Will the quote change when the policy is issued?
• Does the company use OEM repair parts?
• Which companies do they recommend if they are an independent agency?

Best car insurance company in Virginia Beach

Finding the highest-rated car insurance company can be challenging considering how many different companies insure vehicles in Virginia. The ranking information shown below can help you choose which auto insurers to look at purchasing coverage from.

Top 10 Virginia Beach Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top 10 Virginia Beach Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. Erie Insurance
9. Esurance
10. The General

Cheap auto insurance premiums are possible

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

We just presented a lot of information how to get a better price on Chrysler Town and Country insurance in Virginia Beach. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest rates come from the least-expected company.

More affordable auto insurance in Virginia Beach is attainable on the web and also from your neighborhood Virginia Beach agents, so you need to shop Virginia Beach car insurance with both to have the best rate selection. A few companies don’t offer the ability to get quotes online and many times these small insurance companies only sell coverage through independent agents.

Additional learning opportunities

• Think You’re a Safe Driver? (State Farm)
• Who Has Cheap Auto Insurance for a Toyota Tacoma in Virginia Beach? (FAQ)
• Who Has Affordable Car Insurance Rates for a Subaru Outback in Virginia Beach? (FAQ)
• Determining Auto Insurance Rates (GEICO)
• Teen Driving and Texting (State Farm)
• Five Mistakes to Avoid (Insurance Information Institute)