UPDATED: Mar 13, 2020
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Cheap Car Insurance in Hampton, VA
Cheap auto insurance in Hampton, VA is a few simple keystrokes away. You may be legally required to purchase auto insurance in order to drive, but that doesn’t mean you’re legally obligated to pay a high price for it.
We know of a simple, easy way to get an affordable rate for the coverage you need. And we’re passionate about helping drivers just like you do exactly that.
Hampton, VA is home to Fort Monroe, a military base with nearly four centuries of history behind it. Despite the fact that the eponymous Hampton University isn’t technically located within city limits, it is known as one of the first institutions of higher learning to open its doors to newly freed slaves and Native Americans.
Hampton is also home to Buckroe Beach, a small, quaint, highly underrated vacation destination which brings tourists flocking to the area on a regular basis.
- Fun fact: Get ready for some gender diversity in the workplace…Hampton is #7 on the “Top 100 Cities With Females Working in Construction/extraction Industries” list.
Auto Insurance Coverage Requirements in Virginia
Driving legally in Hampton requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||20,000||50,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||100,000/300,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||250 deductible|
|Comprehensive||Not required||0 deductible|
What’s the difference between the minimum legal limits of your policy and purchasing a full coverage policy? Well, the minimum legal requirements – which is mostly liability coverage – pays out when you are either partially or completely at fault in an accident. If you don’t think you need or if you don’t want extra coverage like comprehensive are medical payments, you don’t have to get them. But you may wants to invest in higher liability coverage limits so that you won’t get sued if your insurance policy isn’t enough to cover the damages.
Right now as you’re reading this, the average Virginia driver is paying at least $93 a year for their coverage. That can get really expensive overtime.
But if you take certain steps to save money on your car insurance, you can save up to $442 a year compared to the average Virginia driver! Sounds like a good deal, doesn’t it?
Kemper specialty and ALFA are offering some of the best monthly premiums if all you’re concerned about his price. But is that all you should be concerned about? In our personal experience, customer service, financial stability, and reliability are also very important when it comes to car insurance.
There’s nothing wrong with focusing on getting the most affordable rate – but it’s a good idea to make sure you get it from a reputable company so that it doesn’t shoot you in the foot later.
Virginia auto insurance doesn’t have to be an impossible dream. It can be a reality for you if you know what factors into your total monthly premium and how you can change it.
There are many different steps you can take in order to change things in your favor – but some of those changes are harder to make than others.
Below, we’ll talk about the most important things (along with some of the not as important things) which can help save you money.
Major Car Insurance Factors in Hampton
Did you know that the factors which determine your monthly premium – the factors we are about to discuss below – are responsible for over 50 percent of your monthly rate? These particular circumstances are a very big deal, and you should take them very seriously.
Once you know more about them, it’ll be easier for you to change them in ways that can help you get a more affordable car insurance policy.
Your Zip Code
There are around 135,410 residents in Hampton today. Crowded cities are typically bad for car insurance rates because the more people who live there, the more drivers you will be sharing the road with – which increases your likelihood of an accident.
And the more likely you are to get into an accident, the riskier you are to ensure and the more your insurance company will charge you to balance out that risk. Furthermore, your zip code tells your insurance company what property values are like in your area.
While the median income of $50,435 for Hampton residents isn’t too shabby, it might not be high enough to convince your insurance company to charge you less – especially if living in a highly populated area is being counted against you.
The total number of fatal auto accidents and Hampton is very low compared to the rest of the United States as a whole. However, when compared to similarly sized cities – especially sister cities located nearby in the state of Virginia – the numbers are a little bit higher then what an insurance company might want to see.
If you can take a defensive driving course or utilized similar resources to prove to your insurance company that you are above-average when it comes to driver safety, there’s a very good chance it could help you get a cheaper monthly premium.
This is especially helpful if you have a less than perfect driving record (but more on that later).
Auto Thefts in Hampton
The good news is that auto theft in Hampton has been declining steadily over the past several years. The bad news is that the most recent data shows a slight reversal of this trend at 320 stolen vehicles reported last year.
You should ask your agent what steps you can take to make your vehicle more secure, especially if your make/model is more vulnerable to auto theft compared to other cars, trucks, and SUVs.
Your insurance company will have more information on which vehicles are the most vulnerable and what steps you can take to protect it, so consulting them is a good idea.
Your Credit Score
If you have poor credit, you might want to take the time to try and boost your score before you start shopping around for a new insurance provider. Is it mandatory? No.
We understand it can be difficult to turn your credit around, especially the lower your score. But there are plenty of resources online that you can use (for free!)
To not only monitor your credit closely but also get tips and advice to take the proactive steps you need for raising your score. And the higher you can get it, the more money you will save on your monthly auto insurance premiums.
It’s a harsh but unavoidable reality – for younger drivers, at least – that if you’re under the age of 25, you will be paying some of the highest auto insurance rates around.
Car insurance companies believe that younger drivers, due to their lack of experience, are the most likely to get into costly or potentially deadly accidents. These accidents are very expensive for insurance companies to process claims on, so they want to offset this potential financial vulnerability by charging young drivers more.
No matter what, monthly premiums for younger motorists are going to be unfortunately higher – but in the meantime, getting good grades and proving competence behind the wheel with driver’s education courses can help you get some helpful discounts from your car insurance company.
Your Driving Record
How safe of a driver are you? The easiest way for your insurance company to answer that question is to look at your recent driving history.
Within the last three to five years, the more tickets, accidents, and filed claims you have on your record, the more expensive your insurance will be. If your record is less than perfect, then getting lower premiums by cleaning up your record is mostly a waiting game and a dedication towards safe driving.
Once your recent driving history is no longer your recent driving history, past mistakes won’t count against you or cause your premiums to rise.
The age, make/model, and retail value of the vehicle you drive will be taken into account when your insurance company underwrites your policy.
If they have a general estimate of how much it will cost to replace or repair your vehicle, it will help them to financially prepare for any potential claims you may file while they manage your policy. It will also help predict how likely you are to file those claims.
After all, a fast, flashy sports car is going to be more vulnerable to theft and dangerous driving habits like speeding than your average sedan. Even having a darker, less visible color can make your monthly premium more expensive.
Minor Car Insurance Factors in Hampton
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
Like many things in life, if you can find a way to attract more business towards a person or entity that you are currently doing business with, the more likely they are to throw some benefits back your way.
Auto insurance companies like to use bundling discounts in order to reward drivers who attract them more business. And bundling your spouse onto the same policy with you can get you anywhere from a 5% to a 15% discount off your joint policy.
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Some auto insurance companies charge male drivers more because statistics show they tend to drive more aggressively and therefore cause more accidents. Other companies may, for whatever reason, decide that females are the more dangerous motorists and charge them more than their male counterparts.
So who’s right, and who’s wrong? The driver who chooses to stay with the auto insurance company who charges their gender more is the most wrong of all – especially when there are other providers out there who may not charge based on gender or who may charge less than their competitor across the street would.
Your Driving Distance to Work
Commute times in Hampton aren’t too terrible. The average motorist can expect to spend 15 to 20 minutes driving to work in the morning (or whenever your work day starts).
But there are an unfortunate number of drivers sharing the road with you during rush hour traffic. 79 percent Of residents will not only drive to work but will drive alone instead of taking public transportation or joining the 6 percent of residents who carpool to work.
Your insurance company cares about the miles you drive because that means you spend more time on the road and you increase your likelihood of an accident. But thanks to modern technology, you might be able to save a ton of money off your monthly premiums if you can prove that your mileage poses less of a risk.
And this isn’t just about driving fewer miles, either. It’s about whether or not you drive in rush hour traffic on a regular basis, or frequently drive during the most dangerous times of the day or week.
Mileage tracking devices and even mileage tracking phone apps, if approved by your insurance company, can be used to prove that your mileage is safer than the average driver’s. And some companies are willing to offer you up to 33 percent in savings if you fit such criteria.
Your Coverage and Deductibles
Adjusting your deductible is one potential way to get a lower rate for your insurance premiums. But it can come at a different cost. Sure, you’ll save money over time by raising your deductible, but you’ll want to make sure you have that deductible money on hand in case you ever have to actually pay it.
Otherwise, the expense of getting back on the road on short notice (or missing out on work if you can’t get a ride) can get very pricey indeed.
Education in Hampton, VA
Higher education for Hampton residents isn’t as high as it has the potential to be. Yes, 30 percent of residents have achieved a high school diploma or earned a general education diploma. Another 19 percent have attempted college but didn’t quite make it all four years.
Assuming you want to further your education or you’re one of those people who started college but didn’t finish, we have yet another excuse for you to go back: car insurance discounts. It may only be a few percentage points off your monthly premium, but having a degree will net you a discount with most providers.
Within the city limits of Hampton, you have the Thomas Nelson Community College as well as Hampton University to choose from.
But if you’re open to a little bit longer of a commute, you can choose from such institutions as Christopher Newport University, Old Dominion University, Norfolk State University, The College of William and Mary, or even Tidewater Community College.
Obviously, there’s a lot to think about when it comes to the complicated world of car insurance. Luckily for you, you have autoInsuranceEZ.com by your side to help simplify and streamline the process.
We can get you fast, free, accurate quotes from a handful of providers near you in a matter of minutes. All we need is your zip code, and we can help you save in no time!
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.