Best 5 Ways You Can Buy Car Insurance for Less in Dayton

Beginners to buying insurance online will discover purchasing affordable Dayton car insurance to be a formidable task.

It's important to do rate comparisons periodically since rates are constantly changing. Just because you found the lowest price last year the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to how to use online quotes to lower your rates without sacrificing coverage.

Don't pay full price with these 5 discounts

Car insurance is not cheap, but you may find discounts that you may not know about. Some trigger automatically at the time you complete a quote, but less common discounts must be asked for prior to getting the savings. If they aren't giving you every credit you qualify for, you're paying more than you need to.

Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
Good Student - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
E-sign - A few companies will give a small break for buying your policy on their website.
Driver Safety - Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
Early Switch Discount - Some insurance companies reward drivers for switching to them before your current expiration date. It's a savings of about 10%.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will cut your premiums.

To see a list of providers who offer car insurance discounts in Dayton, click this link.

How to Get Dayton Car Insurance Comparison Quotes

There are multiple methods to shop for car insurance, but one way is easier and takes less work. You can waste a lot of time discussing policy coverages with insurance companies in Dayton, or you could save time and use the web to get pricing more quickly.

Many insurance companies take part in a program that enables customers to submit their information once, and each company can give them a price based on that data. This system prevents you from having to do quotation requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to pricing coverage this way is you cannot specify which carriers you want to price. So if you prefer to choose from a list of companies to compare rates, we put together a list of car insurance companies in Virginia. Click to view list.

It's up to you how you get prices quotes, just be sure to compare the exact same quote information with every price quote. If you have mixed coverages it's not possible to find the best deal in Dayton.

Your personal situation dictates your coverage

When choosing the best car insurance coverage for your vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent's advice.

Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Virginia?
Does my personal policy cover me when driving my company car?
Do I really need UM/UIM coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my car insurance cover rental cars?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

The car insurance bait and switch

Consumers can't get away from ads for cheaper car insurance by companies like Allstate and Progressive. All the ads make the same claim about savings after switching to them.

How do they all make the same claim?

Insurance companies have a certain "appetite" for the type of driver that is profitable for them. For instance, a preferred risk could be between 25 and 40, a clean driving record, and drives newer vehicles. Any new insured who matches those parameters will get very good rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged a more expensive rate which leads to business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save money. That is how companies can truthfully claim big savings.

That is why drivers must get as many quotes as possible. It's just too difficult to predict which company will give you the biggest savings.

In the end, you save

When trying to cut insurance costs, you should never reduce coverage to reduce premium. Too many times, someone dropped liability coverage limits only to discover later that it was a big mistake. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

You just learned some good ideas how to compare car insurance prices online. The most important thing to understand is the more quotes you get, the better chance you'll have of finding lower rates. You may be surprised to find that the most savings is with the least-expected company.

Cheap car insurance can be sourced from both online companies and with local Dayton insurance agents, so you should compare both to have the best rate selection. A few companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Additional Virginia consumer information

Additional information is located on the Virginia Bureau of Insurance website located here. Consumers can find out industry alerts, file complaints about a company, and get help finding coverage.