Comparison Shop Fries Auto Insurance Prices With These Methods

Shopping for the lowest cost Fries auto insurance over the internet can seem to be impossible for people who are new to shopping for insurance online. With so many choices of insurers to choose from, how can you have a chance to compare them all to find the cheapest rates?

It's important to shop coverage around on a regular basis since insurance rates are constantly changing. Even if you think you had the best price last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to how to quote online to eliminate unnecessary coverages and save money.

If you have a policy now or need new coverage, you can follow these tips to find the best rates while maximizing coverage. This article will help educate you on how to effectively get price quotes and some tips to save money. Virginia drivers only need an understanding of how to shop for auto insurance on the web.

These discounts can lower your rates

Companies that sell car insurance do not list all their discounts in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using. If they aren't giving you every credit you deserve, you're paying more than you need to.

College Student - Kids in college who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
Sign Online - Certain companies give back up to $50 simply for signing on their website.
Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
Lower Rates for Military - Being on active duty in the military could be rewarded with lower premiums.
Claim Free - Drivers who don't have accidents can save substantially as compared to bad drivers.
Safety Course Discount - Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
Anti-lock Brake System - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
Accident Waiver - A few companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, companies don't profit that way.

To see a list of companies with discount auto insurance rates in Fries, click here to view.

Auto Insurance Prices in Fries, Virginia

Most companies such as Progressive, GEICO, Allstate and State Farm quote coverage price quotes online. Getting online quotes is fairly simple as you just type in the coverages you want as detailed in the form. Once you submit the form, their system will obtain information on your driving record and credit history and gives you a price quote.

Online price quotes streamlines rate comparisons, but the process of having to visit multiple sites and complete many quote forms is monotonous and tiresome. But it's very important to do this if you are searching for better auto insurance pricing.

The preferred way to find lower prices requires only one form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes rate comparisons much easier to do. Immediately after submitting the form, it is quoted with multiple companies and you can pick any of the price quotes you receive. If you find a better price you can click and sign and buy the policy. It takes 15 minutes at the most and may result in a nice savings.

To quickly find out what other companies charge, click here to open in new window and fill out the form. If you currently have coverage, we recommend you enter identical to your current policy. This makes sure you will have a rate comparison based on the exact same insurance coverage.

Tips to Get Lower Fries Rates

An important part of buying insurance is that you know the different types of things that play a part in calculating auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Shown below are a few of the "ingredients" used by your company to calculate rates.

Mature drivers pay less - More mature drivers are viewed as being more responsible, tend to file fewer claims and get fewer tickets. Teenage drivers have a tendency to get distracted easily when driving therefore auto insurance rates are much higher.
Pay less after the wedding - Having a spouse helps lower the price on your policy. It translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
Drive a safer car and pay less - Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you.
Your stress level may be raising your rates - Jobs such as lawyers, business owners and accountants have higher rates than average due to job stress and lengthy work days. On the flip side, occupations such as pilots, athletes and retirees get better rates.
Multiple policies with one company can save - Some insurers will give a discount to people who consolidate policies with them. It's known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, it's still a good idea to compare rates to verify if the discount is saving money.
Men are more aggressive - Statistics have proven that men are more aggressive behind the wheel. Now that doesn't mean women are BETTER drivers than men. Women and men are in accidents in similar percentages, but the males tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI.

Are you falling for claims of savings?

Virginia drivers can't get away from ads for car insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise of big savings if you change your coverage to them.

How do they all say the same thing? It's all in the numbers.

All companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured might be profiled as over the age of 40, insures multiple vehicles, and drives newer vehicles. A propective insured who meets those qualifications will get the preferred rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will have to pay more money and ends up with business not being written. The ads state "customers who switch" not "everybody who quotes" save that much money. This is how insurance companies can confidently claim big savings. Because of the profiling, drivers must get quotes from several different companies. It's not possible to predict which insurance companies will give you the biggest savings.

Best coverage at the best price

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price.

Cost effective auto insurance is attainable on the web as well as from independent agents in Fries, and you need to comparison shop both in order to have the best chance of saving money. A few companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

People leave their current company for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new auto insurance company is actually quite simple.

More tips and info about auto insurance can be found at the Virginia Bureau of Insurance website. Virginia drivers can read enforcement actions against agents and companies, get help finding coverage, and find disaster information.