Best 7 Ways You Can Buy Car Insurance for Less in Christiansburg Virginia

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say there are many people just like you.

Popular companies such as State Farm, Allstate, GEICO and Progressive continually hit you with catchy ads and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates every six months since rates are constantly changing. Just because you found the best price last year there is a good chance you can find better rates now. Ignore everything you know about car insurance because you're about to find out how to use online quotes to lower your rates without sacrificing coverage.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage in Christiansburg is quite easy. Nevertheless, Virginia consumers do need to know the way companies sell online and apply this information to your search.

How to Compare Car Insurance in Christiansburg, Virginia

There are several ways to compare car insurance prices and some are less labor-intensive and much quicker. You can spend your afternoon talking to insurance companies in Christiansburg, or you could save time and use the web to get rates in a matter of minutes.

Most of the larger companies enroll in a system that allows shoppers to send in one quote, and each participating company then gives them pricing based on that information. This saves time by eliminating quote forms to each individual car insurance company.

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

One minor caviat to comparing rates this way is you can't choose which providers you want pricing from. If you prefer to choose from a list of companies to compare prices, we have a listing of car insurance companies in Virginia. Click to view list.

It's up to you which method you use, but ensure you are comparing exactly the same quote information on every quote you get. If the quotes have mixed coverages it's not possible to determine which rate is truly the best in Christiansburg. Quoting even small variations in coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding the best offered rates.

Be sure to get all your discounts

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

  • Sign Online - A few companies may give you up to $50 simply for signing digitally online.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Homeowners Discount - Owning a house in Christiansburg can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Life Insurance - Larger companies have better rates if you take out life insurance.
  • Senior Citizens - If you're over the age of 55, you may be able to get better car insurance rates.
  • Drive Less and Save - Fewer annual miles can earn discounted rates on garaged vehicles.

Consumers should know that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don't profit that way.

To choose companies who offer car insurance discounts in Christiansburg, click here to view.

Is there truth in advertising?

Car insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to make an identical promise of big savings after switching to their company. How can each company claim to save you money?

Insurance companies are able to cherry pick for the driver that makes them money. For example, a desirable insured might be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements will have to pay a higher premium and ends up with the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently claim big savings. Because of the profiling, you need to quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

More tips and info about car insurance can be found at the Virginia Bureau of Insurance website. Visitors are able to get help finding coverage, find out which companies have the most complaints, view a list of available companies, and learn about insurance regulations.

Do the work, save more money

Cost effective car insurance can be sourced both online and also from your neighborhood Christiansburg agents, and you should compare price quotes from both to have the best selection. A few companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. In many cases, someone sacrificed physical damage coverage only to discover later that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford.