Learn How to Pay Less for Chesapeake, VA Car Insurance

Are you intimidated by the crazy number of car insurance options in Chesapeake? Lot’s of other consumers are too. There are so many options available that it can easily become a real challenge to find the lowest price.

If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. The purpose of this article is to tell you the most effective way to quote insurance and some tips to save money. But Virginia drivers do need to understand the methods companies use to market on the web because it can help you find the best coverage.

How to Get Car Insurance in Chesapeake, Virginia

Most major insurance companies like State Farm, Allstate and GEICO provide prices online. Obtaining pricing is quite simple as you just enter the coverage amounts you desire as detailed in the form. Once you submit the form, their system collects information on your driving record and credit history and provides a quote based on these and other factors.

Online quotes helps simplify price comparisons, but the work required to visit many different websites and complete many quote forms gets old quite quickly. But it is imperative to get many rate quotes if you want to find better car insurance pricing.

A more efficient way to locate the lowest prices uses one simple form that obtains quotes from many companies. It saves time, requires less work, and makes rate comparisons much more enjoyable. After sending the form, it gets priced and you are able to buy any or none of the quotes returned. If you find a better price it’s easy to complete the application and buy the policy. The whole process takes just a few minutes to complete and may result in a nice savings.

To quickly compare pricing, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate your coverages just like they are on your policy. This way, you are getting rate quotes using the exact same coverages.

Discounts can save BIG

Companies don’t list all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known savings tricks you should be using.

  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Multi-policy Discount – If you have multiple policies with the same company you may save up to 20% off your total premium.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Resident Student – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurers offering car insurance discounts in Virginia, follow this link.

free Chesapeake insurance quote

Even more information is available at the Virginia Bureau of Insurance website. Consumers can read consumer alerts, view a list of available companies, find out which companies have the most complaints, and get help finding coverage.

Other useful links include NAIC.org’s Understanding your Policy and this link which helps you find a Chesapeake agent.