Car Insurance in Charlottesville - 6 Discounts to Save Money

Finding the cheapest Charlottesville car insurance on the web can seem to be difficult for people who are new to shopping for insurance online. With so many online companies, how can you even start to compare them all to find the lowest price available?

It's important to get comparison quotes quite often since rates are constantly changing. Even if you got the best deal two years ago there may be better deals available now. So ignore everything you know about car insurance because we're going to show you the only way to save on car insurance.

Finding affordable coverage in Charlottesville is quite easy. If you have a current car insurance policy or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Virginia drivers only need an understanding of the tricks to compare prices over the internet.

How much can you save with these six discounts?

Companies that sell car insurance do not list all their discounts very clearly, so here is a list both the well known and also the lesser-known ways to save on car insurance. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Sign Online - Some insurance companies may give you up to $50 simply for signing over the internet.
  • College Student - Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Auto/Life Discount - Larger companies have a discount if you purchase life insurance from them.
  • Save with a New Car - Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Good Student Discount - Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

It's important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, it doesn't quite work that way.

For a list of companies who offer car insurance discounts in Virginia, click this link.

Free Charlottesville Car Insurance Quotes

Effectively comparing car insurance prices can be challenging if you don't know the most efficient way to do it. You can waste hours driving to local insurance agents in Charlottesville, or you could use the web to get prices fast.

Most car insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

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

The only drawback to pricing coverage this way is you don't know exactly the companies you want pricing from. So if you want to choose individual companies to receive pricing from, we have a listing of companies who write car insurance in Virginia. Click to view list.

It doesn't matter which method you choose, just make darn sure you compare identical information with every price quote. If you use higher or lower deductibles then you won't be able to find the best deal in Charlottesville.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Every situation is different.

For example, these questions may help you determine if your insurance needs may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Do I need to file an SR-22 for a DUI in Virginia?
  • What are Virginia no-fault laws?
  • Does my insurance cover a custom paint job?
  • Why am I required to buy high-risk coverage?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It's fast, free and you can get the answers you need.

In the end, you save

Low-cost car insurance can be purchased both online in addition to many Charlottesville insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, make sure you don't sacrifice coverage to reduce premiums. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price.

Insureds change insurance companies for a variety of reasons including an unsatisfactory settlement offer, not issuing a premium refund, delays in paying claims and extreme rates for teen drivers. It doesn't matter what your reason, finding a new car insurance company is not as hard as you think.