Gloucester Point Auto Insurance For Less Than You're Paying Now

Using the web to shop for Gloucester Point auto insurance can seem like an uphill battle if you're new to quoting online. But don't be discouraged because online price shopping is actually quite simple.

It's important to shop coverage around periodically since insurance rates are constantly changing. If you had the best deal a few years ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to find better rates and still maintain coverage.

Buying affordable auto insurance coverage in Gloucester Point is simple if you know the tricks. If you are insured now or are shopping for new coverage, you can follow these tips to find the best rates while maximizing coverage. Virginia consumers only need to know the tricks to shop their coverage around online.

Virginia auto insurance quotes

Gloucester Point Auto Insurance Comparisons

Most companies like GEICO, State Farm and Progressive provide coverage price quotes on their websites. Getting online quotes is fairly simple as you just type in your personal and coverage information into the quote form. When the form is submitted, their system will obtain your driving record and credit report and gives you a price quote.

Quoting online streamlines rate comparisons, but the process of having to visit different websites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.

Quote rates the easy way

A quicker way to compare rates requires only one form that obtains quotes from many companies. It's a real time-saver, requires less work, and makes comparison shopping much easier to do. As soon as you send your information, it gets priced and you are able to buy any one of the quotes returned.

If a lower price is quoted, you can click and sign and purchase coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and complete the simple form. If you have a policy now, it's recommended you input the coverages as close as possible to your current policy. This ensures you are getting an apples-to-apples comparison for similar insurance coverage.

More discounts equal less premium

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but some must be manually applied before they will apply. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Passive Restraint Discount - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Claim Free - Good drivers with no accidents can earn big discounts as compared to bad drivers.
  • Homeowners Savings - Owning a house in Gloucester Point can save you money because of the fact that having a home requires personal responsibility.
  • Defensive Driving Course - Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.
  • Accident Forgiveness - Certain companies will forgive one accident before raising your premiums as long as you don't have any claims for a set time period.

A little note about advertised discounts, some credits don't apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your premiums.

To see a list of companies with the best auto insurance discounts in Virginia, click here.

It's not one size fits all

When choosing proper insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's situation is a little different.

Here are some questions about coverages that may help highlight if you may require specific advice.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I rate my vehicle as pleasure use or commute?

If you can't answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Additional Virginia consumer information

Additional information is available on the Virginia Bureau of Insurance website located here. Virginia drivers can view agent and company licensing information, find out industry alerts, and read industry bulletins.