Proven Techniques for Getting the Cheapest Manassas, VA Car Insurance

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.

Take advantage of discounts

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.

  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Driver Safety – Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.

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.

Fast and Easy Manassas Car Insurance Quotes

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 ratescompare rates in Manassas VA

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.

Rate influencing factors

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.

  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Men fork out a little more – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as reckless driving.
  • The type of vehicle makes a difference – The type of vehicle you drive makes a big difference in determining your rates. Economy passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
  • One company can mean more discounts – Some car insurance companies will award you with lower prices to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to comparison shop to ensure the best deal.
  • Tickets mean higher rates – Your driving citation history impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Even one moving violation can bump up the cost forty percent or more. Drivers who have severe citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Extra coverages can waste money – There are many additional coverages that can waste your money if you aren’t careful. Coverages for roadside assistance, accident forgiveness and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don’t need them eliminate them to save money.

How to know if you need help

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.

  • What discounts do I qualify for?
  • Should I have combined single limit or split liability limits?
  • Why am I required to buy high-risk coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover a custom paint job?
  • Is my dog or cat covered if injured in an accident?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when using my vehicle for business?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

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.

compare rates in Manassas VA

In conclusion

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.

Virginia insurance information

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.