With roots that go as far back as 1607, Hampton has undergone more changes since its inception that almost any other US city. Because of its location on a number of waterways, much of the traffic tends to get funneled across bridges. This can be a problem at times for commuters, but auto accident rates are falling. This means that insurance rates should be getting lower, so if you haven’t shopped your policy in a while, there’s a good chance you can find a lower rate! Take a few minutes today to explore the choices for cheap insurance Hampton residents have been finding.
Facts about Hampton that affect insurance rates:
Commute times: Residents with the longest commute times live on the east coast of the city. They have the furthest distance to drive, without a lot of major thoroughfares. This has the added effect of increasing the risk of auto accident, so you may see higher liability rates in that zip code (23664).
Crime: there were over 250 stolen cars in 2012. While this isn’t abnormally high for a city this size, it does affect the rate for full coverage. Think about installing an anti-theft device on your car to lower your rates even further (most companies offer a discount).
Population density: The 23663 zip code has the highest population density in the city, which can affect liability rates.
Public Transportation: There isn’t an extensive public transportation system, which is unfortunate for commuters, as there are many challenges driving the Hampton Roads. Most workers are going to be stuck in their cars, but carpooling can help alleviate some of the cost of your insurance policy, as it means less miles on your car each year.
How Can We Help You?
Our Customer Service Department is available to answer question you may have about your policy. For Customer service, please call (800) 486-1866. Our team of highly trained professionals are available from 9:00 AM to 4:00 PM, Monday through Friday.