Car Insurance

Car Insurance

Car Insurance In Virginia Beach doesn’t have to break the bank. When you do business with Hampton Roads Insurance Services, you get the best advice on the market, along with great ideas on how to save money on your auto insurance.

Bundle Your Car Insurance

Did you know that most Virginia Beach insurance companies will give you a significant discount if you have all of your cars covered under their company? It’s true, and the agents at Hampton Roads Insurance Services can show you how to save. With the rise in blended families, and with people waiting until they’re older to get married, you’ll often find numerous auto insurance companies represented under one roof. Let the Hampton Roads team compare your policies and make a few phone calls. You may be able to significantly reduce the total amount the members of your family pay for Virginia Beach auto insurance.

Save Money on Car Insurance

Not only that, your Virginia Beach insurance agent may be able to give you further pointers on how to save money on auto insurance. For instance, if your vehicle is paid off, you may not need to carry comprehensive coverage on it. Older vehicles (that aren’t vintage) may not need collision insurance, especially if they are high mileage. Collision pays the Kelly’s Blue Book value on your car, and if it’s not worth more than $2000 or so, you may be better off saving the extra money you’d pay in premiums.  Liability may be all you need.

Another way to save on your Virginia Beach car insurance is to raise the deductible. A high deductible is sort of the universal way to lower any of your monthly insurance payments. However, you want to make sure that your deductible is within your budget. For instance, you may be able to pay a $500 deductible if your car needs repairs, but can you come up with $1500? If the $1500 would be no problem, you can raise your car insurance deductible to that amount and save quite a bit on your monthly premium.

Get Car Insurance Rates Before You Shop

If you are planning to get a new/used car, take the time, first, to contact your agent at Hampton Roads Insurance Services. He or she can tell you which vehicles get the best rates on Virginia Beach car insurance. For instance, if a car has a high rating from the Insurance institute for Highway Safety, they are usually cheaper to insure.

Consider, also, the model of the car. You don’t have to be told that some models are just more expensive to insure than others. Rates will be calculated according to how much it costs to repair the vehicle, the likelihood that the vehicle will be used in dangerous situations (such as mud bogging or off-roading), and the age of the driver.

Your agent with Hampton Roads Insurance Services will advise you on the best course of action, and serves the entire Hampton Road area, including Virginia Beach, Norfolk, and Chesapeake.

 

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