10 Tricks Proven to Slash the Cost of Car Insurance Costs in Cumberland, VA

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many people just like you.

Numerous battle for your business, so it can be very hard to choose a to find the lowest price

It's important to compare prices every six months since rates are constantly changing. If you had the best deal last year a different company probably has better rates today. So block out anything you think you know about car insurance because we're going to show you the only way to find lower rates on car insurance.

If you currently have car insurance, you will most likely be able to save some money using this strategy. Finding the best rates in Cumberland is quite easy. Nevertheless, Virginia car owners do need to know how companies market on the web and take advantage of how the system works.

These ten discounts can lower your rates

Companies that sell car insurance don't always advertise all their discounts in an easy-to-find place, so here is a list some of the more common as well as the least known savings tricks you should be using.

  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Clubs and Organizations - Belonging to certain professional organizations is a good way to get lower rates on car insurance.
  • Claim Free - Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • No Charge for an Accident - A few companies will forgive one accident before your rates go up as long as you don't have any claims for a certain period of time.

It's important to understand that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn't quite work that way.

Cumberland car insurance comparison

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to make an identical promise of big savings if you move your coverage to them. How do they all make the same claim?

Different companies are able to cherry pick for the type of customer that earns them a profit. An example of a desirable insured could be between 25 and 40, has no driving citations, and has great credit. Any new insured who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay a higher premium and ends up with business going elsewhere. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. That's the way insurance companies can confidently advertise the savings. Because of the profiling, drivers should get quotes from several different 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 is available at the Virginia Bureau of Insurance website. Consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, read industry bulletins, and report car insurance fraud.

Affordable insurance is out there

As you prepare to switch companies, never skimp on coverage in order to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford.

Low-cost car insurance is definitely available from both online companies as well as from independent agents in Cumberland, so you should compare both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.