Overwhelmed by the sheer number of auto insurance companies in Staunton? Lot’s of other consumers are too. Consumers have so many options available that it can be a ton of work to find better rates.
Consumers need to take a look at other company’s rates periodically because prices are constantly changing. If you had the best deal a year ago you may be paying too much now. There is a lot of bad information regarding auto insurance on the internet, so we’re going to give you the easiest ways to save money.
Effectively comparing auto insurance prices is a ton of work if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) driving to insurance agencies in Staunton, or you could use the internet to quickly compare rates.
Most major companies belong to an insurance system where insurance shoppers submit their information once, and each participating company provides a quote based on that data. This saves time by eliminating form submissions to each individual auto insurance company.
To find out what other companies charge click here to start a free quote.
The only drawback to using this type of form is you cannot specify which insurance companies to receive prices from. So if you want to select specific insurance companies for rate comparison, we have a listing of companies who write auto insurance in Virginia. Click here for list of insurance companies in Virginia.
It’s up to you which method you use, but double check that you are using identical coverage limits and deductibles with each company. If you compare different deductibles you will not be able to find the best deal in Staunton.
Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be asked about prior to receiving the credit. If they aren’t giving you every credit possible, you’re just leaving money on the table.
It’s important to understand that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will bring down the amount you have to pay.
To see a list of insurance companies who offer auto insurance discounts in Virginia, click this link.
Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get better auto insurance rates.
Some consumers just want to get advice from a local agent and there is nothing wrong with that. Insurance agents can answer important questions and help submit paperwork. One of the great benefits of comparing insurance prices online is the fact that you can find lower rates but also keep your business local. Supporting small agencies is definitely important in Staunton.
After filling out this simple form, the coverage information is submitted to local insurance agents in Staunton who will return price quotes to get your business. There is no reason to even leave your home due to the fact that quote results will go straight to your inbox. It doesn’t get any easier!
If you’re trying to find a good insurance agency, you need to know there are two different agency structures that you can select. Agencies in Staunton are classified as either captive or independent (non-captive). Either one can properly insure your vehicles, but it’s worth mentioning the differences because it can impact the type of agent you choose
Independent insurance agents are not locked into one company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. When comparing rates, it’s a good idea to contact several independent insurance agents to ensure the widest selection of prices.Many can place coverage with smaller companies which can be an advantage.
Listed below are Staunton independent agencies who may be able to give you rate quotes.
Captive insurance agents can only place business with one company and some examples include Allstate, Farmers Insurance or State Farm. Captives cannot compare other company’s rates so they have no alternatives for high prices. Captives are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers often buy from captive agents mostly because of the prominence of the brand and strong financial ratings.
Below are captive insurance agencies in Staunton that can give you price quotes.
For a complete listing of Staunton captive insurance agencies, visit this link.
Selecting an insurance agency requires more thought than just a low price. Agents should be asked these questions:
After getting positive responses for all questions you ask and locked in a price quote, most likely you have located an insurance agency that will adequately provide auto insurance.
When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.
For example, these questions may help you determine if your situation would benefit from professional advice.
If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.
Much more information about auto insurance in Virginia is located on the Virginia Bureau of Insurance website. Click here for link. Virginia drivers can find a variety of consumer forms, file complaints about a company, read consumer alerts, and discover disciplinary actions.
Other useful links include this online resource for free quotes in Virginia and this list of insurance agents in Staunton, VA.
Consumers in Virginia get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all seem to have a common claim about savings if you move your policy.
How does each company claim to save you money? It’s all in the numbers.
All companies have a preferred profile for the type of driver that is profitable for them. An example of a preferred risk might be between the ages of 30 and 50, has no driving citations, and has excellent credit. A driver that hits that “sweet spot” will get very good rates and therefore will pay quite a bit less when switching companies.
Potential insureds who do not match the requirements will be charged higher premiums which leads to the customer not buying. The ad wording is “customers that switch” not “people who quote” save that kind of money. That’s why companies can truthfully make the claims of big savings.
That is why it is so important to get as many comparisons as possible. It’s just too difficult to predict the company that will give you the biggest savings.
Cost effective auto insurance can be sourced from both online companies in addition to many Staunton insurance agents, so compare prices from both to have the best rate selection. A few companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.
People switch companies for any number of reasons including not issuing a premium refund, extreme rates for teen drivers, being labeled a high risk driver or even unfair underwriting practices. No matter why you want to switch, finding a great new company can be pretty painless.