Car Insurance in Afton, VA - 10 Discounts You Might be Forgetting

No one in their right mind cherishes buying car insurance, especially when the cost is way too high. Numerous battle for your business, and it can be difficult to compare rates and get the best coverage at the lowest price

Take advantage of discounts

Insuring your fleet can be pricey, but companies offer discounts that many people don't even know exist. Certain discounts will be applied at the time of quoting, but a few need to be asked for before you will receive the discount. If they aren't giving you every credit you qualify for, you're paying more than you need to.

Military Discounts - Having a family member in the military could mean lower rates.
Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
Multi-car Discount - Insuring more than one vehicle on the same car insurance policy can get a discount on all vehicles.
Multiple Policy Discount - When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
New Car Discount - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
No Claims - Good drivers with no accidents can save substantially when compared to bad drivers.
Accident Forgiveness - A few companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
Auto/Life Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

To see a list of insurance companies offering car insurance discounts in Afton, click this link.

Afton Car Insurance Quote Comparison

Finding cheaper car insurance prices is not a difficult process. Just take time to compare quotes online from several insurance companies. This is very easy and can be done in several different ways.

The best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating separate forms for each company. A single form compares rates from several companies.
A different way to compare rate quotes is going to the website of each company to complete a price quote. For example, let's say you want to compare , and . You would have to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Afton, click here.
The hardest method to compare rates is to waste gas driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance of a licensed agent. Drivers can obtain prices from the web and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make absolute certain that you use the exact same coverage limits and deductibles with each company. If you compare different liability limits you can't possibly make an equal comparison in Afton.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there is no "perfect" insurance plan. Your needs are not the same as everyone else's so this has to be addressed. These are some specific questions might point out whether your personal situation might need an agent's assistance.

Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Am I covered when driving on a suspended license?
Am I covered when driving in Canada or Mexico?
Do I have coverage for damage caused while driving under the influence?
Can I still get insurance after a DUI?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Are car insurance companies telling the truth?

Consumers can't get away from ads for cheaper car insurance from companies such as State Farm, Allstate and GEICO. They all make the same claim about savings if you switch your policy.

How do they all make the same claim? It's all in the numbers.

Different companies have a certain "appetite" for the right customer that is profitable for them. For example, a driver they prefer could be between the ages of 30 and 50, owns a home, and has great credit. Any new insured who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be quoted more money which leads to business going elsewhere. The ads say "customers who switch" not "people who quote" save that kind of money. That is how companies can truthfully advertise the savings.

This emphasizes why drivers must compare as many rates as you can. It's just too difficult to predict which company will give you the biggest savings.

And the best car insurance company is...

As you prepare to switch companies, never reduce coverage to reduce premium. There have been many situations where an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

Cheap car insurance can be found from both online companies in addition to many Afton 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 these regional insurance providers work with independent agents.

Additional information can be found on the website for the Virginia Bureau of Insurance found here. Consumers can view a list of available companies, find out industry alerts, read consumer alerts, and report car insurance fraud.