When you start looking for car insurance quotes in Virginia Beach, be sure to shop around. In fact, you can save yourself a lot of money and time if you just go to an independent agent to get your Virginia Beach car insurance quotes.
An independent agent works for himself, representing you to several different insurance agencies. He usually has good negotiation leverage because the insurance companies know that they must compete for his business. When you tell the independent agent what you need in the form of car insurance, he can comparison shop for you, getting the best rate possible. The independent agent will take your information one time, and use it to calculate rates from several of the leading car insurance companies. This form of comparison shopping is proven to be one of the best ways to save money on car insurance.
A captive agent works for the insurance company itself. This means he is an expert in the policies offered by one agency. Since he works for the company, they will want to help him make a good deal for your insurance, but he doesn’t have as much negotiation power as an independent agent because there is no competition. If you get car insurance quotes in Virginia Beach from a captive agent, you’ll only know what his company can provide for your car coverage and premiums. To get the information from another company, you’ll have to find an agent that works for that company and give him your information, and let him put together a quote. You’ll do this with each car insurance company from which you want a quote.
With any kind of car insurance, you’ll find that you can save money a couple of different ways. Your insurance agent in Virginia Beach may recommend that you bundle all of your cars with one insurance company. Most of them will give a multi-car discount to families with 2 or more cars to insure.
Another way to save money on your car insurance is to keep your deductible as high as you can afford. If you are able to maintain a fairly healthy savings account, to the point where you could afford a $1000 repair bill to your car, you can select a $1000 deductible. This will significantly lower your premiums every month. By contrast, an auto insurance policy with a low deductible such as $250 will have higher monthly premiums.
Contact your agent to see the best type of car insurance for your needs. The right agent can give you a range of car insurance quotes in Virginia Beach.