Easy Ways to Save Money on Daleville Car Insurance

Are you overwhelmed by the wide range of car insurance options in Daleville? You're not the only one! You have so many choices that it can turn into a big hassle to find the lowest price.

Finding affordable coverage in Daleville is easy if you know what you're doing. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. But Virginia consumers do need to know the way insurance companies price insurance differently.

Tips to Get Lower Daleville Rates

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to better car insurance rates.

The following are some of the items used by your company to calculate prices.

  • Do you have a high stress job? - Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, architects and financial analysts have higher average rates due to stressful work requirements and long work hours. Conversely, occupations like actors, engineers and performers get better rates.
  • Don't get talked into coverage you don't need - There are a ton of extra coverages that can waste your money when buying car insurance. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage are examples of these. They may seem like a good idea initially, but now you might not need them so eliminate them to save money.
  • Your location is important - Choosing to live in a small town can save you money when talking about car insurance. City drivers regularly have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident and a lower car theft rate.
  • Do men or women drive better? - Statistics demonstrate that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women have accidents at a similar rate, but the men have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high car insurance rates.
  • You might want pay the small claims yourself - If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Companies in Virginia provide lower rates to people who do not file claims often. Car insurance is intended for the large, substantial claims.
  • Bad driving skills means higher rates - A bad driving record has a lot to do with how much you pay for insurance. Drivers who don't get tickets get better rates compared to drivers with tickets. Just one ticket can bump up the cost forty percent or more. If you have flagrant violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • High credit ratings translate to low rates - Having a bad credit history is a big factor in calculating your car insurance rates. If your credit score is not that good, you could save money insuring your by spending a little time repairing your credit. People with good credit tend to be more responsible as compared to drivers with lower credit scores.

Be sure to get all your discounts

Auto insurance companies do not advertise every discount very clearly, so the following is a list of both the well known and also the lesser-known car insurance savings.

  • Claim Free - Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • Driver Safety - Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
  • Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
  • Passive Restraints - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Multiple Policy Discount - If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
  • Paperwork-free - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don't profit that way.

To choose insurance companies who offer car insurance discounts in Virginia, follow this link.

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing that you'll save big after switching your coverage to them. How does each company claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the type of customer that makes them money. A good example of a driver they prefer might be a mature driver, has no tickets, and drives newer vehicles. Any driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be quoted higher prices which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that much money. That's the way companies can claim big savings. This emphasizes why you should quote coverage with many companies. You cannot predict which car insurance company will give you the biggest savings.

More detailed Virginia car insurance information can be read at the Virginia Bureau of Insurance website. Visitors are able to read industry bulletins, discover disciplinary actions, and view agent and company licensing information.

Other informative sites include this online resource for car insurance quotes in Virginia and this list of insurance agents in Daleville.

car insurance in Daleville

Shop smart and save

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, delays in paying claims or even denial of a claim. Regardless of your reason, finding a new car insurance company is easier than you think.

Discount car insurance can be purchased both online as well as from independent agents in Daleville, and you need to price shop both so you have a total pricing picture. A few companies don't offer online price quotes and these small insurance companies work with independent agents.

When trying to cut insurance costs, make sure you don't buy poor coverage just to save money. There are too many instances where an insured dropped full coverage and found out when filing a claim that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.