Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us when we tell you there are many people just like you. Companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ads and consumers find it hard to see past the corporate glitz and find the best price available.
Auto insurance companies do not list every available discount in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known ways to save on car insurance. If you aren’t receiving every discount possible, you’re just leaving money on the table.
Consumers should know that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free car insurance policy, you won’t be that lucky.
To see a list of insurers with the best car insurance discounts in Virginia, click here.
All the larger car insurance companies quote prices online. Getting online quotes doesn’t take a lot of time as you just type in the coverage amounts you desire into the quote form. Upon sending the form, their rating system collects reports for credit and driving violations and generates a price based on these factors. Quoting online streamlines rate comparisons, but having to visit a lot of sites and enter the same data into a form can get tiresome after awhile. But it’s very important to get many rate quotes if you are searching for the lowest possible prices on car insurance.
There is a better way to compare rates
A quicker way to get multiple rate quotes utilizes a single form that obtains quotes from several different companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. Immediately after submitting the form, it is quoted with multiple companies and you can pick any one of the quotes returned. If you find a better price it’s easy to complete the application and purchase coverage. This process just takes a couple of minutes and may result in a nice savings.
To quickly find out how much you’re overpaying now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate your coverages exactly as shown on your declarations page. This guarantees you will be getting a price comparison based on similar coverages.
It’s important that you understand the rating factors that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.
When buying the best car insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you could use an agent’s help.
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
In this article, we presented a lot of techniques to save on car insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from some of the lesser-known companies. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.
Cost effective car insurance is definitely available both online in addition to many Manassas insurance agents, so compare prices from both to have the best selection. Some car insurance companies do not provide online quoting and these small, regional companies work with independent agents.
More detailed Virginia car insurance information is available at the Virginia Bureau of Insurance website. Visitors are able to read industry bulletins, find a variety of consumer forms, learn about insurance regulations, and file complaints about a company.