10 Tricks Shown to Lower Car Insurance Costs in Alexandria, VA

Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than many other drivers in Virginia.

You have multiple to buy insurance from, and although it's a good thing to have a choice, having more makes it harder to compare rates.

More discounts equal less premium

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. Some trigger automatically when you complete an application, but less common discounts must be specifically requested before they will apply.

  • Club Memberships - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
  • Drivers Education - Require your teen driver to enroll in driver's education in high school.
  • Accident Free - Claim-free drivers can save substantially when compared with frequent claim filers.
  • One Accident Forgiven - Certain companies will forgive one accident without raising rates so long as you haven't had any claims prior to the accident.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Military Rewards - Having a deployed family member can result in better rates.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% depending on your company.
  • Auto/Home Discount - When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
  • Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.

It's important to note that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you're out of luck. But any discount will bring down your premiums.

For a list of insurers with the best car insurance discounts in Virginia, follow this link.

How to Compare Car Insurance Costs in Alexandria

Most major insurance companies like Allstate, GEICO and Progressive allow you to get pricing online. Getting quotes is pretty easy as you just enter the amount of coverage you want into the quote form. Once entered, their rating system will obtain your driving record and credit report and generates a price. Quoting online makes comparing rates easy, but the time required to go to different websites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to find a lower rate.

A more efficient way to find cheaper rates is to use a quote form to get prices from many companies. It's a real time-saver, requires less work, and makes online shopping much simpler. After your information is entered, it is rated and you are able to buy any one of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To find out how much you're overpaying now, click here and complete the simple form. If you currently have coverage, we recommend you input coverages and limits exactly as shown on your declarations page. This helps ensure you will be getting an apples-to-apples comparison based on identical coverages.

Do the work, save more money

Lower-priced car insurance is definitely available from both online companies and with local Alexandria insurance agents, so you should compare both to get a complete price analysis. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, never sacrifice coverage to reduce premiums. In too many instances, an insured dropped physical damage coverage only to discover later they didn't purchase enough coverage. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.