Learn How to Pay Less for Newport News Virginia Car Insurance

Have you had enough of not being able to afford to insure your vehicles every month? You are in the same boat as the majority of other car owners in Virginia.

Many car insurance companies vie for your insurance dollar, so it’s not easy to compare every insurer to discover the definitive cheapest price

If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Finding affordable coverage in Newport News is not rocket science. But Virginia vehicle owners need to learn the way companies determine prices.

Factors that affect insurance rates

It’s important that you understand the rating factors that help determine the price you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

The following are a partial list of the pieces used by your company to calculate your rates.

  • Liability coverage is peace of mind – Your policy’s liability coverage will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Careful drivers pay lower rates – Only having one moving violation can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Mature drivers pay less – Older insureds tend to be more responsible, file fewer claims and are safer drivers. Teen drivers tend to be more careless when behind the wheel therefore car insurance rates are much higher.
  • Pleasure use saves money – Driving more miles in a year’s time the more you will pay for car insurance. Most companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your car insurance coverage shows the proper vehicle usage, because it can save money.
  • Big city or small town – Residing in small towns and rural areas can be a good thing when insuring your vehicles. City drivers have to deal with much more traffic and longer commute times. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.

Discounts can save BIG

Car insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known savings tricks you should be using.insurance quote Newport News Virginia

  • Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Own a Home – Owning a house in Newport News can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.

Keep in mind that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

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

Will just any policy work for me?

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help highlight if your situation would benefit from professional advice.

  • Do I benefit by insuring my home with the same company?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I wreck a rental car?
  • Should I rate my vehicle as pleasure use or commute?
  • Is business equipment covered while in my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Additional resources for Virginia consumers

More detailed Virginia car insurance information is located at the Virginia Bureau of Insurance website. Visitors are able to learn about insurance regulations, get help finding coverage, and read enforcement actions against agents and companies.

Also read more on III.org’s auto insurance page and this resource to find Newport News, VA insurance agents.

Do the work, save more money

Affordable car insurance is available both online and also from your neighborhood Newport News agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and these smaller companies work with independent agents.

When you buy insurance online, never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

In this article, we covered a lot of tips how to reduce car insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from a small local company. Some small companies often have lower prices on specific markets than their larger competitors like Progressive or GEICO.