How to Find Cheaper Fairfax Station Car Insurance

Are you overwhelmed by the sheer number of car insurance companies in Fairfax Station? Lot's of other consumers are too. Drivers have so many choices that it can turn into a real hassle to find the lowest price.

It's important to compare prices at least once a year because rates are constantly changing. Just because you found the lowest rates last year you will most likely find a better rate today. Starting right now, block out anything you think you know about car insurance because you're going to learn the tricks you need to know to find lower rates on car insurance.

If you have a current car insurance policy or need new coverage, you can learn to find better prices and still get good coverage. Finding the lowest cost protection in Fairfax Station is not that difficult. Virginia vehicle owners just need to know the best way to shop their coverage around over the internet.

More discounts equal less premium

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked for prior to getting the savings. If they aren't giving you every credit possible, you are throwing money away.

  • Sign Online - Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Drive Less and Save - Fewer annual miles can earn lower rates on the low mileage vehicles.
  • Homeowners Discount - Owning a house in Fairfax Station may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • No Charge for an Accident - A few companies allow you one accident before your rates go up as long as you don't have any claims for a certain period of time.
  • Bundle and Save - If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Anti-theft System - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • Passive Restraints - Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies don't profit that way. But all discounts will cut your premiums.

Switch companies and save? Really?

Consumers get pounded daily by advertisements that promise big savings by State Farm, GEICO and Progressive. They all seem to say the same thing that you'll save big after switching to their company.

How do they all make the same claim? It's all in the numbers.

Different companies are able to cherry pick for the driver that earns them a profit. For example, a desirable insured could be between the ages of 40 and 55, has no tickets, and has great credit. A customer who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will have to pay a higher premium which usually ends up with business going elsewhere. Company advertisements say "customers who switch" not "everyone that quotes" save that much. That's the way companies can advertise the savings.

Because of the profiling, you should get quotes from several different companies. Because you never know which car insurance company will give you the biggest savings.

Much more information about car insurance in Virginia can be found on the Virginia Bureau of Insurance website found here. Consumers can get help finding coverage, discover disciplinary actions, and report car insurance fraud.

car insurance in Fairfax Station

And the best car insurance company is...

Discount car insurance can be sourced from both online companies and also from your neighborhood Fairfax Station agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

We just showed you many ways to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best price.