Comparing the Cheapest Bassett Auto Insurance

Are you sick and tired of paying out the nose each month for car insurance? You are in the same boat as many other Virginia consumers.

Companies like GEICO and Progressive promote their brand names with advertising and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to shop coverage around before your policy renews because insurance rates are constantly changing. Just because you found the best rates a few years ago there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about auto insurance online but we're going to give you some great ways to reduce your auto insurance bill.

Tips to Get Lower Bassett Rates

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get big savings.

  • High credit ratings translate to low rates - Your credit history is a huge factor in your rate calculation. If your credit history is not that good, you could save money insuring your by improving your credit score. People with high credit ratings tend to be more responsible than those with lower credit scores.
  • Occupation reflects on rates - Did you know that where you work can have an impact on rates? Occupations like real estate brokers, architects and dentists have the highest average rates in part from high stress and lots of time spent at work. Other occupations like farmers, historians and performers get better rates.
  • Bump up deductibles to save - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims could be running into the backend of another car, vandalism, or theft. Your deductibles are the amount of money you are required to spend before your auto insurance pays a claim. The more expense you have to pay, the less your company will charge you for insurance.
  • Better crash test results mean better rates - Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Do you have enough liability coverage? - Liability coverage will protect you in the event that a court rules you are at fault for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • High numbers of claims are not good - Insurance companies in Virginia provide cheaper rates to drivers who do not file claims often. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
  • Your spouse saves you money - Getting married can get you a discount when buying auto insurance. Marriage translates into being more mature it has been statistically shown that drivers who are married are more cautious.
  • Where you live - Being located in less populated areas has it's advantages when insuring your vehicles. Lower population means a lower chance of having an accident and a lower car theft rate. Drivers who live in large Virginia cities regularly have congested traffic and longer commutes to work. Higher commute times means higher likelihood of an accident.

Virginia auto insurance

Cheap Bassett Auto Insurance Comparisons

The are a couple different ways of comparing rate quotes and find the best price. One of the best ways to compare insurance prices is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to find low rates is a comparison rater form click to view form in new window. This method eliminates the need for repetitive form entry to each individual auto insurance company. In just a few minutes this one form gets you price quotes direct from many companies.
  2. A less efficient way to shop for auto insurance online requires visiting each company website and fill out their own quote form. For instance, we'll assume you want rates from , and . To find out each rate you need to go to every website and enter your policy data, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Bassett, click here.

It doesn't matter which method you choose, just ensure you're using exactly the same quote information for every quote you compare. If you are comparing mixed coverages you will not be able to determine the best price in Bassett. Just a small difference in limits may result in large price differences. And when price shopping your coverage, comparing more company's prices will improve the odds of getting the best offered rates.

Policy discounts you shouldn't miss

Companies don't list every available discount in a way that's easy to find, so the following is a list of both well-publicized and the harder-to-find auto insurance savings.

  • Passive Restraints and Air Bags - Vehicles with factory air bags can qualify for discounts up to 30%.
  • Claim Free - Claim-free drivers pay less compared to accident-prone drivers.
  • Homeowners Pay Less - Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Low Mileage - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
  • Organization Discounts - Participating in a civic or occupational organization could qualify you for a break on your policy.

Keep in mind that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, it just doesn't work that way.

To choose providers who offer auto insurance discounts in Bassett, follow this link.

Save $429 a year? Really?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads say the same thing that you can save after switching your coverage to them. How can each company make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of customer that makes them money. A good example of a preferred risk could possibly be between the ages of 40 and 55, is a homeowner, and has a short commute. A driver who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will be charged higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can make the claims of big savings. That is why you need to get a wide range of price quotes. It is impossible to predict the company that will fit your personal profile best.

Additional detailed information can be read at the Virginia Bureau of Insurance website. Virginia consumers can find out industry alerts, read industry bulletins, report car insurance fraud, and find disaster information.

The best insurance company isn't always the cheapest

In this article, we presented a lot of tips how to compare auto insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like .

Affordable auto insurance can be sourced online as well as from independent agents in Bassett, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers don't offer online price quotes and many times these small insurance companies only sell through independent insurance agents.