Car Insurance in Courtland - 5 Ways to Save Money
Price shopping your Courtland car insurance is a challenge for consumers not familiar with comparison shopping online. Drivers have so many options that it can quickly become more work than you anticipated to locate the lowest price in Courtland.
It's important to get comparison quotes once or twice a year since rates are constantly changing. Even if you got the best rates last year you can probably find a better price now. There is a lot of bad advice regarding car insurance online but we're going to give you some great ways to quit paying high car insurance rates.
These 5 discounts can lower your rates
Car insurance companies don't list every available discount in a way that's easy to find, so the following is a list of some of the more common as well as the least known ways to save on car insurance.
- Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
- Payment Method - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- New Car Discount - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
- Military Discounts - Having a family member in the military may qualify for rate reductions.
- Multi-policy Discount - If you insure your home and vehicles with one insurance company you will save approximately 10% to 15%.
A little note about advertised discounts, many deductions do not apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, you won't be that lucky.
To choose providers who offer car insurance discounts in Courtland, click this link.
Are you falling for claims of savings?
Companies like Allstate and Progressive continually stream ads on television and other media. All the ads make the same claim about savings after switching your policy. How can each company make the same claim?
All the different companies can use profiling for the right customer that makes them money. A good example of a preferred risk could be between the ages of 30 and 50, has no tickets, and drives newer vehicles. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.
Consumers who are not a match for the requirements will be charged higher prices which leads to business going elsewhere. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully claim big savings. That is why you should compare as many rates as you can. It's just too difficult to predict the company that will give you the biggest savings.
More Virginia car insurance information
Even more information can be read at the Virginia Bureau of Insurance website. Consumers can read consumer alerts, view a list of available companies, and file complaints about an insurance agent or broker.
Shop smart and save
When trying to cut insurance costs, it's not a good idea to buy poor coverage just to save money. Too many times, an insured dropped collision coverage and discovered at claim time that it was a big mistake. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
Insureds change insurance companies for a number of reasons such as policy non-renewal, unfair underwriting practices, delays in paying claims or even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.
Cheaper car insurance can be purchased from both online companies in addition to many Courtland insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.
