10 Discounts Ashland Drivers Forget when Buying Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you you are not the only one feeling buyer's remorse. Numerous battle to insure your vehicles, so it can be very hard to choose a to find the absolute lowest rate

It's important to check car insurance prices every six months since rates are constantly changing. If you had the lowest price a few years ago you will most likely find a better rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to one of the easiest ways to reduce your cost while improving coverage.

These ten discounts can lower your rates

Car insurance companies don't list all their discounts in an easy-to-find place, so we researched some of the more common as well as the least known car insurance savings. If they aren't giving you every credit possible, you are throwing money away.

Discount for Life Insurance - Some companies give lower rates if you buy life insurance from them.
Clubs and Organizations - Belonging to certain professional organizations could qualify you for a break on car insurance.
Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Defensive Driving Course - Taking a driver safety course could possibly earn you a 5% discount if you qualify.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
Sign Early and Save - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
Bundle and Save - If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
Accident Free - Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
College Student - Children who are attending college without a vehicle on campus can be insured at a reduced rate.

It's important to note that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you move to them.

How do they all make the same claim?

Different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a desirable insured could be between 25 and 40, has no driving citations, and has a short commute. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile will have to pay a higher premium which usually ends up with business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save money. That's the way insurance companies can make the claims of big savings. Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict which car insurance company will fit your personal profile best.

Additional detailed information is located at the Virginia Bureau of Insurance website. Consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, view a list of available companies, and discover disciplinary actions.

Best coverage at the best price

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at a price you can afford.

Lower-priced car insurance is possible from both online companies and with local Ashland insurance agents, so you should compare both to have the best selection. Some insurance providers do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.