6 Tricks to Lower Car Insurance Premium in Radford, VA

I can’t think of anyone who likes paying for car insurance, particularly when the cost is way too high.

Lots of car insurance companies contend for your hard-earned dollar, so it’s not easy to compare every provider to find the lowest price

It is always a good idea to price shop coverage occasionally since insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest price two years ago other companies may now be cheaper. Starting now, ignore everything you know about car insurance because I’m going to teach you the quickest way to reduce your cost while increasing coverage.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in Radford is quite easy. But Virginia consumers benefit from understanding how big insurance companies market on the web and take advantage of how the system works.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the different types of things that help determine car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that can help you get lower car insurance prices.

  • Don’t get talked into coverage you don’t need – There are many extra bells and whistles that you can buy on your car insurance policy. Coverages like rental car reimbursement, towing coverage and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they’re wasting money get rid of them and save.
  • Your location is important – Residing in less populated areas has it’s advantages when talking about car insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. City drivers have congested traffic and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Your spouse saves you money – Being married helps lower the price on car insurance. It means you’re more responsible and statistics show married couples file fewer claims.
  • Save money with special equipment – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
  • Keep rates low by being claim-free – Insurance companies in Virginia generally give cheaper rates to policyholders who are claim-free. If you frequently file small claims, you can expect either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Rate your vehicle for proper use – Driving more miles each year the higher your rate. The majority of insurers apply a rate based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your car insurance coverage shows the proper vehicle usage, because it can save money.
  • Older drivers save more – Youthful drivers in Virginia are known to be more careless when driving so car insurance rates are higher. If you’ve ever had to add a teen driver onto your car insurance can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.

Radford Car Insurance Comparisons

Shopping for lower car insurance rates can take hours if you aren’t aware of the best way to get rate quotes. You can waste hours discussing policy coverages with agents in Radford, or you can utilize the internet to achieve your goal.car insurance image

Most major companies are enrolled in a marketplace where insurance shoppers submit one quote, and each company provides a quote. This prevents consumers from doing quote forms for each company.

To enter your information into the quoting system, click here to start a free quote.

The one downside to using this type of system is that consumers can’t choose which carriers to get pricing from. So if you prefer to choose individual companies to compare prices, we have a page of companies who write car insurance in Virginia. View list of Virginia insurance companies.

Whichever way you use, compare apples-to-apples coverages for every quote you compare. If the quotes have mixed coverages it’s impossible to truly determine the lowest rate in Radford. Quoting even small variations in coverages may result in a large different in cost. And when quoting car insurance, remember that having more price comparisons helps locate a lower rate.

Save big with these discounts

Auto insurance companies don’t always publicize all available discounts very clearly, so we researched some of the best known and also the lesser-known discounts you could be receiving.

  • Low Mileage Discounts – Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Paperwork-free – Certain companies will give a small break simply for signing over the internet.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Auto/Home Discount – If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill if you qualify.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

To choose companies with the best car insurance discounts in Virginia, click this link.

insurance quote Radford Virginia

More detailed Virginia car insurance information can be read at the Virginia Bureau of Insurance website. Visitors are able to download brochures, find disaster information, and get help finding coverage.

Shop smart and save

Budget-conscious car insurance is available online in addition to many Radford insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

In this article, we covered many ideas to get a better price on car insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even find the lowest rates come from an unexpected company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.