How to Get the Cheapest Annandale Auto Insurance

Searching for low-cost Annandale auto insurance on the web is challenging for consumers new to shopping for insurance online. With dozens of online companies, how can consumers effectively compare the different rates to find the best available rates?

Free Annandale Auto Insurance Quotes

There are multiple methods to compare auto insurance quotes, and some are less time-consuming than others. You could spend your day talking about coverages with agents in Annandale, or you could use online quotes to get rate comparisons in just a few minutes.

All the larger companies are enrolled in a marketplace that enables customers to only type in their quote data once, and every company returns a competitive quote based on that information. This system prevents you from having to do quote requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is that you can't choose which companies to get quotes from. So if you want to choose from a list of companies for rate comparison, we put together a list of companies who write auto insurance in Virginia. View list of Virginia insurance companies.

It doesn't matter which method you choose, just make darn sure you compare exactly the same coverages with each company. If the quotes have different limits and deductibles on each one then you won't be able to make an equal comparison in Annandale. Having just a slight variation in coverages may result in large price differences. And when comparison shopping, comparing more company's prices will improve the odds of getting lower pricing.

Tips to Get Lower Annandale Rates

It's important that you understand the rating factors that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The list below includes some of the items used by your company to calculate prices.

Rates may be higher depending on your occupation - Careers like real estate brokers, executives and dentists have the highest average rates due to high stress levels and long work days. Other jobs such as pilots, historians and the unemployed get better rates.
Men fork out a little more - Statistics have proven women are more cautious behind the wheel. However, don't assume that women are BETTER drivers than men. Both sexes cause accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like reckless driving and DUI.
Always keep insurance in force - Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
Save money with special equipment - Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your vehicle from being stolen.
Claim-free discounts can add up - Companies in Virginia give cheaper rates to insureds who do not file claims often. If you frequently file small claims, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Don't pay full price with these discounts

Auto insurance companies don't always list every discount in a way that's easy to find, so the following is a list of some of the best known and also the lesser-known ways to save on auto insurance.

Government Employees - Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
Senior Discount - Older drivers can possibly qualify for a small decrease in premiums.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
Claim Free - Drivers who don't have accidents pay less when compared to frequent claim filers.
Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in high school.
Lower Rates for Military - Having a family member in the military can result in better rates.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren't that generous.

For a list of insurance companies with the best auto insurance discounts in Annandale, click this link.

Your personal situation dictates your coverage

When it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

Here are some questions about coverages that may help you determine whether or not you could use an agent's help.

Why am I required to get a high-risk car insurance policy?
Should I put collision coverage on all my vehicles?
Why am I be forced to buy a membership to get insurance from some companies?
What companies insure drivers after a DUI or DWI?
Is rental equipment covered for theft or damage?
Am I covered when delivering products for my home-based business?
Am I covered if I drive in a foreign country?
Does my insurance cover a custom paint job?

If it's difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Even more information can be read at the Virginia Bureau of Insurance website. Virginia drivers can read industry bulletins, learn about insurance regulations, and find a variety of consumer forms.

Shop smart and save

Insureds who switch companies do it for a variety of reasons including high rates after DUI convictions, denial of a claim, being labeled a high risk driver and extreme rates for teen drivers. Regardless of your reason, finding a new auto insurance company is not as hard as you think.

As you go through the steps to switch your coverage, it's a bad idea to reduce needed coverages to save money. There are too many instances where drivers have reduced collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

Cheap auto insurance is definitely available on the web as well as from independent agents in Annandale, and you need to comparison shop both to have the best chance of lowering rates. Some auto insurance companies don't offer online quoting and these small insurance companies work with independent agents.