Easy Ways to Save Money on Crewe Auto Insurance

Shopping online for Crewe auto insurance may seem to be difficult if you're new to online rate quotes. But relax because it's actually quite easy.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you complete an application, but some must be asked about before they will apply. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • Claim Free - Good drivers with no accidents can earn big discounts when compared to bad drivers.
  • Drivers Ed for Students - Have your child successfully complete driver's ed class in high school.
  • Defensive Driving Course - Taking a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Good Student - A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To see a list of insurance companies with the best auto insurance discounts in Crewe, click here to view.

compare Crewe auto insurance rates

Finding Auto Insurance in Crewe, VA

Finding cheaper auto insurance prices is surprisingly easy. Just invest a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

  • The best way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing a different quote for each company. A single form gets you coverage quotes . It's the fastest way to compare.
  • A less efficient way to compare rate quotes consists of going to the website of each company and complete a new quote form. For example, we'll assume you want to compare , and . You would have to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Crewe, click here.
  • The least recommended method of comparing rate quotes is driving around to and from local Crewe insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you want the trained guidance of a licensed agent. However, consumers can obtain prices from the web and still use a local agent and we'll touch on that later.

It's your choice how you get your quotes, but make absolute certain that you use exactly the same coverages on every quote. If you have different limits and deductibles on each one you can't possibly make a fair comparison in Crewe.

Tips to Get Lower Crewe Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to better auto insurance rates.

The list below includes some of the factors used by your company to calculate prices.

  • Car features impact rates - Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent car theft.
  • One company can mean more discounts - The majority of insurers provide better rates to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even if you're getting this discount it's still a good idea to compare rates to verify if the discount is saving money.
  • Rates may be higher depending on your occupation - Careers like doctors, business owners and dentists have the highest average rates due to high stress levels and long work hours. Other professions such as scientists, historians and the unemployed get better rates.
  • Small claims can cost you - Companies in Virginia award cheaper rates to insureds who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Car insurance is intended to be relied upon for larger claims.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's.

These are some specific questions might point out whether your personal situation would benefit from an agent's advice.

  • Am I covered when pulling a rental trailer?
  • Am I covered when driving in Canada or Mexico?
  • What companies insure drivers after a DUI or DWI?
  • Is my cargo covered for damage or theft?
  • Is rental equipment covered for theft or damage?
  • Should I rate my vehicle as pleasure use or commute?
  • What are the best liability limits?

If you're not sure about those questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Are auto insurance companies telling the truth?

Virginia drivers can't get away from ads for cheaper car insurance from the likes of State Farm, Allstate and GEICO. They all make an identical promise about savings if you move your coverage to them.

How can each company say the same thing? It's all in the numbers.

Different companies have a certain "appetite" for the type of customer that is profitable for them. An example of a driver they prefer might be profiled as between 25 and 40, owns a home, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will get very good rates and most likely will save when they switch companies.

Consumers who don't qualify for the requirements will be quoted higher rates and ends up with business not being written. The ads say "customers who switch" not "people who quote" save that much money. That is how companies can truthfully advertise the way they do.

This emphasizes why drivers must compare many company's rates. It's not possible to predict which company will provide you with the cheapest rates.

And the best car insurance company is...

People who switch companies do it for a variety of reasons including unfair underwriting practices, policy non-renewal, high rates after DUI convictions or extreme rates for teen drivers. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. There have been many situations where an insured cut liability limits or collision coverage only to find out that the savings was not a smart move. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.

Cheaper auto insurance is definitely available on the web as well as from independent agents in Crewe, so you should compare both to get a complete price analysis. Some auto insurance companies don't offer the ability to get a quote online and these smaller companies work with independent agents.

Crewe auto insurance quote

Additional information is available on the Virginia Bureau of Insurance website found here. Virginia drivers can view a list of available companies, read consumer alerts, and read industry bulletins.