6 Tricks Shown to Slash the Cost of Car Insurance Costs in Colonial Heights

Searching for affordable Colonial Heights car insurance on the internet can be problematic for beginners to comparison shopping online. With a ridiculous number of insurance companies available, how can you have a chance to compare every one to find the cheapest rates?

It's important to get comparison quotes yearly since rates are constantly changing. If you had the lowest price a few years ago you can probably find a lower rate today. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to find affordable car insurance.

Colonial Heights car insurance comparison

How to Get Cheap Car Insurance in Colonial Heights, VA

Most companies like Progressive, GEICO, Allstate and State Farm allow you to get insurance quotes online. Getting quotes doesn't take much effort as you just type in your required coverages as detailed in the form. When the form is submitted, the system will obtain your driving record and credit report and returns pricing information.

Quoting online makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same information can be a bit tiresome and repetitive. But it's very important to do this in order to find better car insurance pricing.

There is a better way!

A quicker way to compare car insurance pricing is to use a quote form that gets price quotes from many companies. The form is fast, requires less work, and makes comparison shopping much more efficient. As soon as you send your information, it is rated and you are able to buy any one of the quotes returned.

If a lower price is quoted, you simply finish the application and buy the policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To find out what other companies charge, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you input coverages and limits exactly as shown on your declarations page. This ensures you are getting a fair comparison for similar insurance coverage.

These six discounts can lower your rates

The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but a few must be manually applied before they will apply. If you're not getting every credit you deserve, you're paying more than you need to.

  • College Student - Children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Save with a New Car - Insuring a new car can be considerably cheaper since new cars are generally safer.
  • No Claims - Drivers who don't have accidents pay much less as compared to bad drivers.
  • Accident Waiver - Certain companies will forgive one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Government Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.

It's important to note that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you're out of luck. But any discount will bring down the cost of coverage.

To see a list of companies with the best car insurance discounts in Virginia, follow this link.

Different people need different coverages

When choosing the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different.

For instance, these questions can help discover whether you may require specific advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why am I required to get a high-risk car insurance policy?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in Virginia?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Learn more about car insurance in Virginia

More information is located on the Virginia Bureau of Insurance website located here. Visitors are able to read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and read industry bulletins.