Consumer Tested Strategies to Save on Accomac Auto Insurance

Expensive auto insurance can dwindle your personal savings and put a big crunch on your finances. Comparison shopping is free and is an excellent way to make sure you're not throwing money away.

With consumers having so many online and local companies to choose from, it is hard for the average consumer to pick the cheapest car insurance company.

Don't pay full price with these discounts

Companies don't list all available discounts very well, so we researched both well-publicized and the more hidden ways to save on auto insurance.

Multiple Vehicles - Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
Paperless Signup - A few companies will discount your bill up to fifty bucks for buying your policy online.
Student in College - Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Payment Method - If paying your policy premium upfront instead of paying each month you could save 5% or more.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren't that generous.

To see a list of insurers who offer auto insurance discounts in Virginia, click this link.

Which Auto Insurance is Cheapest in Accomac, Virginia?

There are multiple methods to compare auto insurance quotes, but there is one way that is less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in Accomac, or you can utilize online quoting to get the quickest rates.

Many insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and every company returns a rated price for coverage. This system prevents you from having to do quotation requests to each individual auto insurance company.

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

The single downside to using this type of form is you can't choose which carriers you want pricing from. So if you want to choose from a list of companies for rate comparison, we put together a list of low cost auto insurance companies in Virginia. Click to view list.

It's up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverage information with each company. If you use unequal deductibles or liability limits it will be impossible to make an equal comparison in Accomac. Having just a slight variation in coverages may result in large price differences. Just remember that comparing more company's prices provides better odds of finding the best offered rates.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

The following are a partial list of the pieces that factor into premiums.

Liability coverage protects you - Liability coverage is the protection if a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
Discounts for married couples - Having a wife or husband can get you a discount on your auto insurance policy. Having a spouse usually means you are more responsible and it's statistically proven that married drivers get in fewer accidents.
Mature drivers pay less - Teen drivers in Virginia are known to get distracted easily when driving so auto insurance rates are higher. If you've ever had to add a teen driver onto your auto insurance can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
More than one policy can earn a discount - Many auto insurance companies will award you with lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare rates to confirm you are receiving the best rates possible.
Higher safety ratings means cheaper insurance - Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates.
Save money with special equipment - Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

The auto insurance bait and switch

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies make the same claim about savings after switching your policy. But how can every company make almost identical claims?

Insurance companies have a preferred profile for the right customer that is profitable for them. For instance, a profitable customer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has great credit. A driver who matches those parameters is entitled to the best price and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile must pay more money which leads to the driver buying from a lower-cost company. The ads state "people who switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully advertise the savings. This illustrates why drivers must compare many company's rates. It is impossible to predict which insurance companies will fit your personal profile best.

Final considerations

Cheap auto insurance can be bought online in addition to many Accomac insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, do not reduce coverage to reduce premium. In too many instances, drivers have reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

For more Virginia auto insurance information

Even more information is located at the Virginia Bureau of Insurance website. Virginia consumers can find out which companies have the most complaints, get help finding coverage, read enforcement actions against agents and companies, and read consumer alerts.

Additional helpful sites include this link for Virginia auto insurance quotes and this page for help finding agents in Accomac, VA.