Top Ways to Save on Cape Charles Car Insurance

No one looks forward to paying for car insurance, particularly when their premiums are through the roof.

Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to get comparison quotes periodically due to the fact that insurance rates are constantly changing. If you had the lowest rates two years ago you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because I'm going to teach you the tricks you need to know to save on car insurance.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage in Cape Charles is easy if you know what you're doing. But Virginia consumers do need to know how companies market on the web and use this information to your advantage.

Cape Charles Car Insurance Comparisons

There are several ways to shop for car insurance, and some are less time-consuming than others. You can spend countless hours talking to insurance companies in Cape Charles, or you could save time and use the web to get rates in a matter of minutes.

The majority of car insurance companies participate in a marketplace that allows shoppers to submit their information once, and every company then gives them pricing based on the submitted data. This saves time by eliminating form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of form is you cannot specify the providers you want pricing from. So if you prefer to choose specific insurance companies to compare rates, we have a page of car insurance companies in Virginia. View list of Virginia insurance companies.

It's up to you which method you use, but be sure to compare exactly the same coverages with each company. If you enter different limits and deductibles on each one it will be impossible to make an equal comparison in Cape Charles. Quoting even small variations in insurance coverages could mean much higher rates. Keep in mind that having more price comparisons will increase your chances of finding lower pricing.

Be sure to get all your discounts

Auto insurance companies don't list all their discounts in a way that's easy to find, so we break down both the well known as well as the least known savings tricks you should be using.

  • Accident Forgiveness - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • No Claims - Good drivers with no accidents can save substantially as compared to bad drivers.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Senior Citizens - Mature drivers can possibly qualify for a discount up to 10%.
  • Sign Online - A handful of insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Life Insurance - Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Homeowners Savings - Owning a house in Cape Charles can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Memberships - Being a member of a civic or occupational organization is a good way to get lower rates on car insurance.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies wouldn't make money that way.

To see a list of companies with the best car insurance discounts in Cape Charles, click here to view.

How do I know if I need professional advice?

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Everyone's needs are different so your insurance should reflect that For example, these questions may help highlight whether or not you would benefit from an agent's advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?
  • What can I do if my company won't pay a claim?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Additional Virginia consumer information

More detailed Virginia car insurance information can be found at the Virginia Bureau of Insurance website. Visitors are able to learn about insurance regulations, find out industry alerts, read industry bulletins, and view a list of available companies.