Online Quotes for Virginia Beach Virginia Auto Insurance Agencies

When pricing auto insurance in Virginia Beach, VA, there are a lot of options and finding the best Virginia insurance agency takes more work than just randomly choosing from the yellow pages. Consumers require a good agent that listens to you, but also need the best auto insurance prices in Virginia Beach.

Because there are so many companies to choose from, it is hard for the average consumer to locate the lowest cost insurance company.

Quote online but still have a local agent

Good agents can help determine the best coverages and help you file claims. One of the best bonuses of comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to.

By using this form (opens in new window), the coverage information is transmitted to local insurance agents in Virginia Beach who will compete for your business. You won’t need to leave your computer since price quotes are sent straight to your inbox. Now that’s easy! You can find the lowest rates without the usual hassles of price shopping.

Selecting an insurance agent should depend on more than just the bottom line cost. Here are some questions to ask:

  • Is the agency involved in supporting local community causes?
  • Are there any discounts that you might be missing?
  • How much will you save each year by using a higher deductible?
  • Are they able to influence company decisions when a claim is filed?
  • Are they full-time agents?

Two different types of auto insurance agents

When looking for a reputable insurance agent or broker, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agencies in Virginia Beach are either captive or independent (non-captive).

Captive Insurance Agents

This type of agents write business for a single company and some examples include American Family, State Farm and Allstate. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. These agents are trained well on the products they sell which helps them compete with independent agents. Some people will only choose to use a captive agent primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Listed below is a short list of captive insurance agencies in Virginia Beach that are able to give rate quotes.

  • Farmers Insurance Group – 2725 Gator Rd # 201 – Virginia Beach, VA 23452 – (757) 498-5300
  • Liberty Mutual – 601 Fox Creek Ct – Virginia Beach, VA 23462 – (757) 490-9745
  • Allstate Insurance – 529 N Great Neck Rd – Virginia Beach, VA 23454 – (757) 498-8200
  • Farm Bureau Insurance – 1057 Princess Anne Rd – Virginia Beach, VA 23457 – (757) 426-6115
  • State Farm Insurance – 1115 Independence Blvd # 214 – Virginia Beach, VA 23455 – (757) 363-7376
Independent Insurance Agents

These agents are not locked into one company but rather can write business with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, you should always include price quotes from multiple independent agents to ensure the widest selection of prices. They also have the ability to place coverage with lesser-known insurance companies which can be an advantage.

Listed below is a short list of independent insurance agents in Virginia Beach who can help you get rate quotes.

  • Ayers Insurance – 5339 Virginia Beach Blvd – Virginia Beach, VA 23462 – (757) 456-9494
  • Direct General Ins Agency – 5386 Kempsriver Dr – Virginia Beach, VA 23464 – (757) 361-0170
  • Superior Insurance – 3707 Virginia Beach Blvd – Virginia Beach, VA 23452 – (757) 463-4928
  • Braun Agency – 6062 Indian River Rd – Virginia Beach, VA 23464 – (757) 420-2060
  • Towneinsurance Agency Inc – 308 35th St – Virginia Beach, VA 23451 – (757) 428-9161

For a complete listing of Virginia Beach insurance agents, please click here.

After getting positive feedback to your questions and an affordable coverage quote, most likely you have located an insurance agency that is a good match to adequately provide auto insurance.

Buying auto insurance direct is an option

Professional insurance agents are perfect for certain consumers, but you can also buy Virginia car insurance direct over the internet. A few companies like Allstate and State Farm who have local agents in Virginia Beach also give you the ability to buy a policy online, and that can save time.

If you’re anxious about whether or not you’ll have guidance when buying car insurance direct, this really isn’t an issue. Online insurance companies provide options for getting advice on proper coverages.

Is auto insurance cheaper online? Many people swear by it, but it’s difficult to answer due to the fact that there are multiple individual factors that influence how your policy is priced. It’s a common assumption that shopping online for auto insurance saves money because there is no agent involvement. In reality, online and traditional media advertising are expensive so there may not be significant savings.

More tips and info about auto insurance can be found at the Virginia Bureau of Insurance website. Consumers can find out industry alerts, download brochures, read consumer alerts, and read enforcement actions against agents and companies.

The following articles may also be useful.

Do the work, save more money

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at an affordable rate while still protecting your assets.

Auto insurance in Virginia

Budget-conscious auto insurance is definitely available on the web as well as from independent agents in Virginia Beach, so you should compare both to have the best chance of lowering rates. There are still a few companies who don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.