8 Money Saving Ideas Guaranteed to Slash the Cost of Car Insurance Costs in Haysi, VA

Have you had enough of being strong-armed each month for car insurance? You're in the same situation as many other drivers in Virginia. Because you have many car insurance companies to choose from, it's nearly impossible to find the lowest cost insurance company.

It's important to do rate comparisons once or twice a year since rates are constantly changing. If you had the lowest price last year you can probably find a better price now. You can find a lot of misleading information regarding car insurance on the internet, so I'm going to show you some great ways to quit paying high car insurance rates.

Finding affordable coverage in Haysi is quite easy. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Virginia drivers only need an understanding of the most effective way to compare company rates online.

Haysi car insurance comparison

Be sure to get all your discounts

Car insurance companies don't always list all their discounts very well, so we researched both the well known and the more hidden car insurance savings. If you don't get every credit available, you are paying more than you should be.

  • Senior Citizens - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Driver's Ed - Cut your cost by having your teen driver complete a driver education course in high school.
  • Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Bundle and Save - If you insure your home and vehicles with one company you will save approximately 10% to 15%.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Drive Less and Save - Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
  • Organization Discounts - Being a member of a professional or civic organization could qualify you for a break on car insurance.

It's important to understand that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it doesn't quite work that way.

To choose companies with the best car insurance discounts in Virginia, follow this link.

Is there truth in advertising?

Consumers in Virginia can't ignore all the ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings if you move to them.

But how can every company claim to save you money?

All the different companies can use profiling for the type of driver that makes them money. For instance, a desirable insured might be a mature driver, has no tickets, and drives newer vehicles. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay a higher premium which usually ends up with the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save money. That's why insurance companies can confidently claim big savings. Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict the company that will give you the biggest savings.

More Virginia car insurance information

More tips and info about car insurance is located at the Virginia Bureau of Insurance website. Visitors are able to learn about insurance regulations, download brochures, find out industry alerts, and read consumer alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Haysi.

compare Haysi car insurance rates

Best coverage at the best price

When trying to cut insurance costs, do not buy poor coverage just to save money. There are many occasions where an insured dropped collision coverage and learned later that it was a big mistake. Your aim should be to get the best coverage possible at an affordable rate.

Low-cost car insurance is definitely available both online and with local Haysi insurance agents, and you need to price shop both to have the best selection. A few companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.