Follow These Tested Methods for Paying Less for Portsmouth, VA Car Insurance

Having to pay for overpriced car insurance can overdraw your savings account and make it impossible to make ends meet. Comparison shopping is a great way to cut your insurance bill. Drivers have so many auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates and cut insurance costs.

It’s important to take a look at other company’s rates quite often since rates change frequently. If you had the best price two years ago you will most likely find a better rate today. There is a lot of wrong information about car insurance on the internet, so we’re going to give you some tested techniques to put money back in your pocket.

Finding Car Insurance Deals in Portsmouth, VA

Getting a lower price on insurance is surprisingly easy. Just take a couple of minutes comparing rate quotes online with multiple companies. This can be done in several different ways.

One of the best ways to get the best comparison quotes is a comparison rater form click to view form in new window. This form saves time by eliminating multiple quote forms for each company. Completing one form will return quotes from several companies.

A slightly less efficient method to compare prices is to manually visit the website for each individual company and fill out their own quote form. For instance, let’s say you want to compare rates from Farmers, Safeco and GEICO. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is more popular. To view a list of companies in Portsmouth, click money image

It’s your choice how you get your quotes, but double check that you are using identical deductibles and coverage limits on every quote. If you are comparing different deductibles it will be impossible to determine which rate is truly the best in Portsmouth.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but you can get discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but a few must be inquired about prior to getting the savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • College Student – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
  • Organization Discounts – Participating in a qualifying organization may earn a discount on your policy.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Own a Home – Owning a house in Portsmouth may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Paperwork-free – Some insurance companies may give you up to $50 just for signing your application over the internet.
  • Senior Citizens – Older drivers can possibly qualify for better car insurance rates.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck. But any discount will reduce your premiums.

For a list of providers offering car insurance discounts in Portsmouth, click here to view.

Additional car insurance information can be found on the website for the Virginia Bureau of Insurance found here. Consumers can file complaints about a company, view agent and company licensing information, and discover disciplinary actions.

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Buy online or local, you save

When buying insurance coverage, do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.

In this article, we presented many tips how you can compare car insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with the smaller companies. These companies can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

Cheaper car insurance can be sourced on the web in addition to many Portsmouth insurance agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.