How to Save on Car Insurance in Chesapeake, VA

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The average cost of auto insurance in Chesapeake, VA, is $1,099. This cost is also lower than the cost of auto insurance in neighboring places such as Suffolk, Windsor, South Mills, and Virginia. The cost of auto insurance in Chesapeake depends on numerous factors, ranging from the age of the driver to the make and model of the vehicle. It also differs from one neighborhood to another in the city. Zimlon provides car owners with the option of keying in their zip code to get accurate auto insurance quotes from multiple car insurance companies. This comparison could help them save up to $440.

Multi-Car Insurance:

Car owners in Chesapeake can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of saving more on auto insurance. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Chesapeake, post-DUI, increases to $2,044. But, this is also dependent on the age of the driver. The cost of auto insurance post-DUI for teenagers is much higher. In Chesapeake, the cost of insurance post-DUI for male teenagers is $7,562 and $6,132 for women. Safe and good drivers will find it easier to lower the cost of auto insurance in Chesapeake.

Deductibles:

Deductibles are one of the most common factors affecting the cost of auto insurance. Opting for a higher deductible will help in improving savings. For instance, in Chesapeake, the cost of auto insurance for an Infiniti G37 X at a high deductible ($1,000) is $1,120, while it is $1,210 for a lower deductible ($500).

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.