Easy Techniques to Pay Less on Fieldale Auto Insurance

If you are a novice to online auto insurance shopping, it's easy to be confused due to the large number of auto insurance companies offering coverage in Fieldale.

Finding the best rates in Fieldale is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. But Virginia drivers do need to know the methods companies use to price insurance differently because it can help you find the best coverage.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to lower auto insurance prices.

The following are a partial list of the pieces that factor into prices.

  • An active claims history can cost you - Companies in Virginia provide lower rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for larger claims.
  • Clean credit earns discounts - Having a bad credit history is a huge factor in determining your rates. If your credit history is not that good, you could save money insuring your by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores.
  • Your location is important - Living in a rural area can save you money when insuring your vehicles. City drivers regularly have traffic congestion and much longer commute distances. Lower population means reduced accidents as well as less vandalism and auto theft.
  • Do men or women drive better? - Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men are in accidents in similar numbers, but the men have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.

These discounts can lower your rates

Companies offering auto insurance do not list every discount very clearly, so we researched both well-publicized and the harder-to-find auto insurance savings.

  • Federal Employees - Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Save over 55 - If you're over the age of 55, you may be able to get a discount up to 10%.
  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • No Claims - Good drivers with no accidents pay much less when compared to accident-prone drivers.
  • Homeowners Savings - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts 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 5% or more.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Just because you may think it's possible to get free car insurance, companies don't profit that way.

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

Are you falling for claims of savings?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on television and other media. They all say the same thing that you'll save big after switching your policy. How does each company make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the right customer that makes them money. For instance, a driver they prefer could possibly be over the age of 40, owns a home, and has great credit. A driver who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "everybody who quotes" save that kind of money. That is how companies can advertise the savings. This emphasizes why you should get a wide range of price quotes. It is impossible to predict which company will fit your personal profile best.

Different people need different coverages

When buying the best auto insurance coverage for your vehicles, there isn't really a one size fits all plan. Every insured's situation is different.

For instance, these questions might point out whether you could use an agent's help.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When do I need to add a new car to my policy?

If you don't know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

More detailed Virginia auto insurance information is located at the Virginia Bureau of Insurance website. Virginia consumers can download brochures, find out industry alerts, and view agent and company licensing information.

Fieldale auto insurance quote

The best insurance company isn't always the cheapest

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, policy cancellation, delays in paying claims or even denial of a claim. Regardless of your reason for switching companies, switching auto insurance companies is easier than you think.

When you buy insurance online, it's very important that you do not buy poor coverage just to save money. There are too many instances where an insured cut liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Discount auto insurance can be purchased online in addition to many Fieldale insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide online price quotes and these small, regional companies work with independent agents.