Best Way to Find the Cheapest Galax Auto Insurance

If you've never shopped for auto insurance online, you can be overwhelmed by the vast number of auto insurance companies selling insurance in Galax.

It's important to price shop coverage occasionally because prices are constantly changing. Even if you think you had the best deal last year there may be better deals available now. So just forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to lower your annual insurance bill.

Galax auto insurance comparison

Save big with these discounts

Companies that sell car insurance don't list all their discounts in a way that's easy to find, so here is a list both the well known and also the lesser-known savings tricks you should be using. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • College Student - Kids in college who live away from home and don't have a car may qualify for this discount.
  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Drive Less and Save - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Homeowners Savings - Owning a house in Galax can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Military Discounts - Being on active duty in the military could be rewarded with lower premiums.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren't that generous.

For a list of companies with discount auto insurance rates in Galax, click here to view.

Finding Auto Insurance Deals in Galax, VA

Finding a better price on auto insurance can be surprisingly simple. You just have to take a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing separate quotation requests to each individual auto insurance company. A single form will get you price quotes from auto insurance companies with the best prices. It's the fastest way to compare.

A slightly less efficient method to get quotes online requires a visit to each company's website and complete a new quote form. For example, let's assume you want to compare , and . To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker.

To view a list of companies in Galax, click here.

The least recommended method of getting rate comparisons is to waste gas driving to insurance agents' offices. The ability to buy insurance online makes this process obsolete unless you want the trained guidance only provided by licensed Galax agents. However, consumers can compare online quotes and still use a local agent. We'll cover that shortly.

It's up to you which method you use, but make absolute certain that you use exactly the same coverage limits on every quote. If you have differing limits then you won't be able to make a fair comparison in Galax.

But I don't know anything about car insurance

When it comes to choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different.

These are some specific questions might point out if your situation might need an agent's assistance.

  • What are Virginia no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won't pay a claim?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don't have a local agent, fill out this quick form. It's fast, free and you can get the answers you need.

In the end, you save

When trying to cut insurance costs, it's not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to find the BEST coverage at the best price.

Cheap auto insurance is attainable both online in addition to many Galax insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

People leave their current company for a variety of reasons including not issuing a premium refund, policy non-renewal, delays in responding to claim requests and unfair underwriting practices. Whatever your reason, finding a new auto insurance company is not as hard as you think.