Is Your Alexandria Virginia Car Insurance Too High?

Beginners to shopping for insurance online can find shopping for the cheapest Alexandria car insurance quite difficult.

You probably qualify for some discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Low Mileage – Fewer annual miles could be rewarded with better rates on cars that stay parked.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Good Student – This discount can get you a discount of up to 25%. This discount can apply until age 25.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Multi-policy Discount – If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will reduce the cost of coverage.

To choose providers with the best car insurance discounts in Alexandria, follow this link.

Comparison of Car Insurance in Alexandria

When shopping for car insurance there are multiple ways of comparing rates from local in Alexandriacar insurance companies. The fastest way to find the lowest rates is to get quotes online. This is very easy and can be done in a couple of different ways.

  1. The most efficient way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating separate quotation requests for each company. One simple form gets you coverage quotes from many national carriers. This is by far the quickest method.
  2. A harder way to find lower rates requires visiting each individual company website and fill out their own quote form. For example, we’ll assume you want comparison quotes from USAA, Allstate and Farmers. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is quicker. For a list of links to insurance companies in Alexandria, click here.

It doesn’t matter which method you choose, just make darn sure you compare identical quote information on every quote. If you enter different liability limits it’s impossible to make an equal comparison in Alexandria. Having just a slight variation in coverage limits can result in a big premium difference. It’s important to know that comparing a large number of companies helps you find a better price.

And the best car insurance company is…

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, being labeled a high risk driver or even high rates after DUI convictions. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford.

You just read some good ideas how to compare car insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.