Tightwads Tips for Saving on Arlington Auto Insurance

No one in their right mind looks forward to buying auto insurance, especially knowing the cost is way too high. You have so many to buy insurance from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

It's important to shop coverage around occasionally since insurance rates are constantly changing. Just because you found the best price a few years ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because we're going to demonstrate the quickest way to reduce your cost while improving coverage.

Pricing the lowest cost auto insurance in Arlington is quite easy. If you have a policy now or need new coverage, you will benefit by learning to find the best rates while maximizing coverage. Vermont vehicle owners just need to know the best way to compare company rates on the web.

Tips to Get Lower Arlington Rates

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

Your location affects your rates - Living in less populated areas can be a good thing when buying auto insurance. City drivers regularly have much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident.
Discounts for multiple policies - Some companies will give a discount to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to verify if the discount is saving money.
Lower deductibles cost more - Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are a windshield shattered by a rock, vandalism, or theft. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you have to pay, the lower your rates will be.
Males pay more for insurance - Statistics show that women are safer drivers than men. Now that doesn't mean women are BETTER drivers than men. They both have accidents in similar percentages, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.

Finding Auto Insurance Deals in Arlington, VT

Performing a rate comparison is a ton of work if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in Arlington, or you could save time and use online quoting to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company then returns a price quote. This eliminates the need for quote forms to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose which providers you want to price. If you would rather choose specific insurance companies to request quotes from, we have a page of auto insurance companies in Vermont. Click here to view list.

Whichever way you use, make absolute certain that you use identical quote information with every price quote. If you are comparing mixed coverages it's impossible to find the best deal in Arlington.

Be sure to get all your discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be manually applied prior to getting the savings. If you're not getting every credit you qualify for, you are paying more than you should be.

Bundle and Save - If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
Senior Discount - If you're over the age of 55, you may receive a small decrease in premiums.
Drivers Education - Cut your cost by having your teen driver complete a driver education course if offered at their school.
Safety Course Discount - Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
New Vehicle Savings - Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
Federal Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save up to 5%.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose companies with discount auto insurance rates in Vermont, follow this link.

Is there truth in advertising?

Vermont drivers can't ignore all the ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing that you'll save big if you change your coverage to them.

How does each company say the same thing?

All the different companies have a certain "appetite" for the type of customer that makes them money. For example, a desirable insured might be profiled as between the ages of 40 and 55, owns a home, and has a short commute. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will have to pay a more expensive rate which usually ends up with business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That is how companies can make the claims of big savings.

Because of the profiling, you need to get quotes from several different companies. It's not possible to predict which company will fit your personal profile best.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is a little different so your insurance needs to address that. For example, these questions might point out whether or not you will benefit from professional help.

What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Can I afford to buy a different vehicle if my vehicle is totaled?
Should I buy additional glass protection?
Is rental equipment covered for theft or damage?
Should I rate my vehicle as pleasure use or commute?
Is my nanny covered when driving my vehicle?

If you don't know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Much more information about auto insurance in Vermont can be found on the website for the Vermont Department of Financial Regulation located here. Vermont drivers can view agent and company licensing information, read consumer alerts, report car insurance fraud, and learn about insurance regulations.

A tidy conclusion

As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Budget-conscious auto insurance can be sourced on the web as well as from independent agents in Arlington, so you should be comparing quotes from both to have the best rate selection. Some insurance providers don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.