Comparing the Cheapest Dale City Auto Insurance

Have you had enough of trying to scrape together enough money each month for car insurance? You are in the same boat as many other drivers in Virginia.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you should be able to cut costs considerably using this information. Finding affordable coverage in Dale City is easy if you know what you're doing. But Virginia drivers do need to know the way companies determine prices because it can help you find the best coverage.

Be sure to get all your discounts

Companies don't always list all available discounts in a way that's easy to find, so we researched both well-publicized and also the lesser-known ways to save on auto insurance.

  • Fewer Miles Equal More Savings - Keeping the miles down could be rewarded with better rates on cars that stay parked.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
  • Defensive Driving Course - Taking part in a course in driver safety could save 5% or more if you qualify.
  • Clubs and Organizations - Participating in a civic or occupational organization could trigger savings when buying auto insurance.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Homeowners Pay Less - Owning a home in Dale City may earn you a small savings because of the fact that having a home shows financial diligence.
  • Sign Early and Save - Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Service Members Pay Less - Having a family member in the military can result in better rates.

Consumers should know that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies don't profit that way.

auto insurance in Dale City

Is there truth in advertising?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies make the same claim that you'll save big if you move to their company. How can each company make almost identical claims? It's all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. For instance, a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and has excellent credit. A driver who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements must pay more money which leads to the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That's why companies can make those claims. This illustrates why you should get a wide range of price quotes. It is impossible to predict the company that will have the lowest rates.

More Virginia auto insurance information

More detailed Virginia auto insurance information is located at the Virginia Bureau of Insurance website. Virginia consumers can find disaster information, download brochures, view a list of available companies, and file complaints about an insurance agent or broker.

compare Dale City auto insurance rates

Do the work, save more money

Discount auto insurance is possible online and also from your neighborhood Dale City agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

While you're price shopping online, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.