UPDATED: Mar 13, 2020
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Cheap Car Insurance in Newport News, VA
In the market for cheap auto insurance in Newport News, VA? At AutoInsuranceEZ.com, you’ll find the lowest priced insurance policy locally. To acquire free car insurance prices from the top rated providers today, key your zip code in the quote box here.
Newport News has a long historical past dating all the way back to the first Virginia Shires established in 1634; but it wasn’t until 250 years later that settlers began developing the land for purposes other than farming. Today, the city’s economy is entwined with the Langley-Eustis Military Base and Huntington Ingalls Shipbuilding.
- Fun fact: Did you know that Newport News is the 5thlargest city within the state of Virginia? Discover more about Newport News.
Auto Insurance Coverage Requirements in Virginia
Driving legally in Newport News 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|
Just because mandatory state coverage limits are bigger in Virginia doesn’t mean that you can stop there. Many vehicles, especially leased ones, will require a fully comprehensive policy. And, depending on who your lender is, a car that your still making payments on may have similar requirements.
State fact: the average motorist on the road right now is paying around $93 – or higher – for their Virginia Auto Insurance policy. But living in Newport News can get you discounted coverage for as low as $31/mo*! We’ll be happy to show you how.
If you’re serious about shopping around for a lower rate, you might want to start with either Allstate or Erie. Be sure to also compare strengths and weaknesses, financial stability, and customer service reports before making a final decision based on price alone.
Companies that offer auto insurance plans consider several elements while determining a quote, which includes marital status, where you live, your credit rating, driving distance to work, and theft protection devices. Also take into account that premiums differ from between companies. To find out if that you’re still receiving the best cost, do a comparison of cheap Newport News auto insurance estimates on the internet.
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Major Car Insurance Factors in Newport News
You might feel somewhat helpless once your automobile insurance company is pricing your insurance quote; let’s be honest, the majority of the elements they calculate aren’t issues you will be able to modify or control. Fortunately, however, there are some things which you may be ın a position to change for improved discounts, including:
Your Zip Code
Automobile insurance companies must know where you reside (or the places you will likely be driving usually) in an effort to evaluate the probability of a major accident. All of it amounts to a simple notion: the greater the populace, the greater amount of vehicles you’ll encounter on the highway, as well as the more prospects you could have to crash into or perhaps be crashed into by yet another motor vehicle. The population of Newport News is 182,020 and the general household earnings are $49,184.
Any area with a high rate of serious accidents is, unfortunately, going to see a dramatic rise in local premiums. Based on the statistic below, the average Newport News driver has a much lower chance of getting into a deadly crash than other cities in Virginia. To find out whether or not this is lowering rates for your zip code, contact your local insurance agent.
Auto Thefts in Newport News
Many insurance agencies are worried regarding auto theft; this runs specifically true for motorists who reside in sizeable metropolitan areas. The greater the number of people, the better the probability that you may have to submit an auto burglary claim. In 2013, there were only 344 stolen cars in Newport News. That’s a low per capita rate, but also a spike in recent years, so you’d better be sure that your Comprehensive coverage is up to date, just in case.
Your Credit Score
Insurance companies are of the opinion that drivers with poor credit are a higher financial risk to their bottom line. Therefore, the lower your credit score, the more likely you are to pay up to triple the premium of someone with perfect credit.
Young drivers, due to their lack of experience, are more expensive to insure. Just look at the chart below. If you are a young driver, or are trying to get coverage for one, try to get Good Student and Driver’s Ed discounts wherever possible. You may even want to consider bundling them to a family auto policy.
Your Driving Record
Virginia insurance providers take your driving record seriously, as you can see by the chart below. Serious violations, like at-fault accidents, will send premiums skyrocketing or possibly run the risk of losing coverage. But if your provider offers an Accident Forgiveness discount, you might still be able to find a good deal, even with a less than perfect record.
The more expensive your vehicle is, the more insurance coverage you will have to buy. This helps protect you and your finances in the event that you have to make some expensive repairs, or replace your vehicle entirely. Unfortunately, it does mean that your monthly premiums will be much more expensive.
Minor Car Insurance Factors in Newport News
Below, we’ll clear up some confusion about some lesser-known factors which can determine your premium:
Your Marital Status
Spouses have a leg up when it comes to single drivers, because both partners can bundle their insurance policies together for a pretty nice discount. Of course, the two of you will have to sit down and agree on which provider to choose. But after that, you can enjoy some savings.
Insurance companies these days can’t seem to make up their minds when it comes to charging different rates based on gender. Some charge their male drivers more. Others put the financial burden upon female motorists. But an increasing number of companies don’t factor gender into the equation at all anymore.
Your Driving Distance to Work
Commute times around Newport News aren’t too bad. Most trips will take anywhere from 19 to 24 minutes, although some can be as short as 10 or as long as 29 minutes. Longer commutes of 30 minutes or more are also possible, but not as common. About 76% of residents travel to work alone with their own truck or car, while around 5-21% carpool.
Are you insuring your vehicle for business purposes? If so, understand that your monthly premium is around 11-12% higher than it would be if you were insuring the same exact vehicle for personal use (that is, traveling to school or work, or for pleasure).
Your Coverage and Deductibles
There is a somewhat opposite relationship between your deductible, and your monthly premium. When your deductible is high, your monthly rate will be lower. A low deductible, however, will result in a higher monthly payment. And you have the right to raise or lower your deductible whenever you wish. Just contact your insurance agent for more information.
Education in Newport News, VA
Just under a third of Newport News citizens have obtained their high school diploma (30%), while an additional 18% are on their way towards getting their bachelor’s degree. And once they graduate, they may be surprised to learn that their degree has an extra benefit they weren’t expecting: lower rates on auto insurance!
Located within the city limits of Newport News is CNU (also known as Christopher Newport University). It is a public liberal arts school which offers degrees in business, history, jazz studies, and also has an Army ROTC program. For a short commute, however, locals can have access to a variety of other institutions, such as Norfolk State University or the Thomas Nelson Community College.
You should not allow an unsatisfactory car insurance company to persuade you into purchasing a auto insurance policy which isn’t good for you. Yes, the sum of information needed in order to estimate your personal risk profile may be mind-boggling, however comparison websites such as this can help make your search much easier. Just simply type in a couple of specifics below, and then we shall take it from there.
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.
Start comparing rates immediately. It’ll only take a minute or two, and you could save a bundle!