7 Simple Tips to Slash Car Insurance Costs in Grottoes, VA
Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, you're not alone. Having so many options when it comes to car insurance, it's nearly impossible to find the most cost effective insurer.
Buying the lowest cost car insurance in Grottoes is simple if you know the tricks. If you have a policy now or need a new policy, you will benefit by learning to find the best rates while maintaining coverages. Virginia drivers only need an understanding of the best way to buy car insurance on the web.
Are you getting all your discounts?
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be specially asked for before you get the savings. If you don't get every credit possible, you are paying more than you should be.
- Claim Free - Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
- Low Mileage Discounts - Low mileage vehicles can qualify you for better rates on cars that stay parked.
- Multiple Cars - Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
- Braking Control Discount - Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
- Auto/Life Discount - Larger companies have a break if you buy life insurance.
- Distant Student - Any of your kids who live away from home and don't have a car can be insured at a reduced rate.
- Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
Consumers should know that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comp or med pay. So when it seems like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will help reduce the cost of coverage.
To choose insurance companies with discount car insurance rates in Virginia, click this link.
How can Progressive, Allstate and GEICO save drivers who switch?
Consumers in Virginia can't ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all make the same claim of big savings if you change your coverage to them.
But how can every company claim to save you money? It's all in the numbers.
Insurance companies are able to cherry pick for the type of customer that makes them money. An example of a driver they prefer might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. Any new insured who matches those parameters will get very good rates and as a result will probably save a lot of money.
Drivers who are not a match for this ideal profile will be quoted a higher premium which leads to the customer not buying. The ads say "customers who switch" not "everybody who quotes" save that much money. That's the way insurance companies can confidently state the savings.
This emphasizes why you should compare many company's rates. It's just too difficult to predict which car insurance company will give you the biggest savings.
Find out more about car insurance
Additional car insurance information is available on the website for the Virginia Bureau of Insurance found here. Visitors are able to read industry bulletins, find disaster information, report car insurance fraud, and find out industry alerts.
Other informative sites include this online resource for car insurance quotes in Virginia and this list of insurance agents in Grottoes.
A tidy conclusion
Cost effective car insurance can be sourced both online as well as from independent agents in Grottoes, so you should be comparing quotes from both to have the best selection. Some insurance companies don't offer online price quotes and these smaller companies work with independent agents.
When buying insurance coverage, do not buy poor coverage just to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.
