Clintwood Auto Insurance For Less Than You're Paying Now

Are you intimidated by the crazy number of auto insurance choices in Clintwood? You're not the only one! There are so many options that it can turn into a real hassle to find the best price.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Pricing the lowest cost coverage in Clintwood is quite easy. But Virginia drivers do need to know how the larger insurance companies price online insurance and apply this information to your search.

You have some control over your rates

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to big savings.

  • Your job and insurance rates - Did you know that where you work can have an impact on rates? Careers like lawyers, architects and dentists tend to have the highest average rates attributed to stressful work requirements and lots of time spent at work. Other professions such as actors, historians and homemakers receive lower rates.
  • Do you know your deductibles? - Your deductibles define the amount you are willing to pay before your auto insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be running into the backend of another car, collision with an animal, and burglary. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
  • Do you qualify for a multi-policy discount? - Most companies provide better rates to customers who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Optional equipment can affect rates - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Policy add-ons can waste money - There are many extra coverages that can waste your money on your auto insurance policy. Insurance for roadside assistance, accident forgiveness and term life insurance are examples of these. They may seem like a good idea at first, but if they're wasting money eliminate the coverages to reduce your premium.
  • More miles equals more premium - The more miles you rack up on your car in a year the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance policy is rated on how each vehicle is driven.

How to Compare Auto Insurance Quotes in Clintwood, Virginia

There are several ways of comparing rate quotes from auto insurance companies in your area. One of the best ways to find the cheapest insurance rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method keeps you from doing boring form submissions to each individual auto insurance company. Filling out one form compares rates from all major companies. It's the fastest way to compare.
  2. A less efficient way to compare rate quotes is going to the website of each company and fill out their own quote form. For examples sake, let's assume you want to compare rates from , and . To find out each rate you need to take the time to go to each site and enter your information, which is why most consumers use the first method.

    To view a list of companies in Clintwood, click here.
  3. The least efficient method to compare rates is to spend your day driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you prefer the personal advice only provided by licensed agents. You can, however, find lower rates online and still use a local agent.

Which method you use is up to you, but ensure you are comparing exactly the same coverage limits and deductibles for each comparison quote. If you use different liability limits it will be next to impossible to determine the lowest rate in Clintwood. Just a small difference in insurance coverages may result in a large different in cost. Just remember that getting more free quotes will increase your chances of finding the best rates.

Take advantage of discounts

Auto insurance companies don't necessarily list every discount in a way that's easy to find, so we took the time to find both well-publicized and the more hidden auto insurance savings.

  • No Accidents - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
  • Multi-car Discount - Insuring more than one vehicle with the same company could earn a price break for each car.
  • Theft Prevention System - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class in school.
  • Defensive Driver - Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Discount for Life Insurance - Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • No Charge for an Accident - A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Organization Discounts - Participating in a civic or occupational organization could qualify you for a break when shopping for auto insurance.
  • Payment Discounts - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

Consumers should know that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, companies don't profit that way.

To choose insurance companies offering auto insurance discounts in Clintwood, follow this link.

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all say the same thing that you'll save big if you switch to their company. How can each company make almost identical claims?

All the different companies are able to cherry pick for the driver that makes them money. For example, a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and has a high credit rating. A driver who fits that profile is entitled to the best price and most likely will save when they switch companies.

Consumers who don't qualify for the requirements will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "people who quote" save that much. That's the way companies can state the savings. This emphasizes why you need to quote coverage with many companies. It is impossible to predict which auto insurance company will have the lowest rates.

More detailed Virginia auto insurance information can be found at the Virginia Bureau of Insurance website. Virginia consumers can read industry bulletins, report car insurance fraud, and read consumer alerts.

Final considerations

Consumers switch companies for many reasons like high rates after DUI convictions, lack of trust in their agent, policy non-renewal or even extreme rates for teen drivers. No matter why you want to switch, finding the right auto insurance provider is easier than you think.

Discount auto insurance can be found online and also from your neighborhood Clintwood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. There are too many instances where someone sacrificed physical damage coverage only to regret at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.