Buy the Cheapest Bland Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparing price quotes is a great way to lower your monthly bill. Big companies like GEICO and Progressive increase brand awareness with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have a current auto insurance policy or need new coverage, you will benefit by learning to get lower rates and possibly find even better coverage. Finding the best rates in Bland is quite easy. Virginia drivers only need an understanding of the tricks to buy auto insurance over the internet.

What determines how much you pay?

Consumers need to have an understanding of the factors that help determine the price you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Car features impact rates - Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Being married is a good thing - Having a spouse can get you a discount on auto insurance. Having a significant other is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean women are better drivers. Women and men are in accidents in similar percentages, but the men have costlier accidents. Men also statistically get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high auto insurance rates.
  • Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Careers like lawyers, social workers and dentists tend to pay the highest average rates due to job stress and lengthy work days. Other occupations such as pilots, historians and performers have the lowest average rates.
  • High deductibles save money - The deductibles define the amount you are required to spend before your auto insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The higher the amount you're willing to pay, the bigger discount you will receive.
  • Careful drivers pay lower rates - Even one moving violation can increase rates twenty percent or more. Good drivers get better rates compared to drivers with tickets. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state DMV in order to keep their license.

compare Bland auto insurance rates

Are you getting all your discounts?

Insuring your fleet can be pricey, but there are discounts available to cut the cost considerably. Some discounts apply automatically when you complete an application, but a few need to be manually applied before they will apply. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • Payment Method - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Save over 55 - If you're over the age of 55, you may be able to get reduced rates.
  • Accident Free - Drivers who don't have accidents can save substantially when compared to accident-prone drivers.
  • Own a Home - Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Good Student Discount - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Organization Discounts - Participating in a civic or occupational organization may earn a discount when shopping for auto insurance.

It's important to understand that some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like it's possible to get free car insurance, it doesn't quite work that way. Any qualifying discounts will reduce the cost of coverage.

To choose insurance companies who offer auto insurance discounts in Bland, click here.

How can State Farm, Allstate and GEICO save drivers who switch?

Virginia consumers can't ignore all the ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all have a common claim of big savings after switching to them.

How can each company make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. For example, a driver they prefer could possibly be over the age of 50, insures multiple vehicles, and has a short commute. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ad wording is "customers who switch" not "everybody who quotes" save money. This is how insurance companies can confidently make the claims of big savings.

This emphasizes why you should quote coverage with many companies. It's impossible to know which insurance companies will fit your personal profile best.

Additional auto insurance information can be found on the website for the Virginia Bureau of Insurance found here. Virginia consumers can view a list of available companies, get help finding coverage, learn about insurance regulations, and read industry bulletins.

A tidy conclusion

Low-cost auto insurance can be bought online and with local Bland insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer online price quotes and these regional insurance providers work with independent agents.

As you shop your coverage around, it's a bad idea to buy poor coverage just to save money. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.