5 Guaranteed Tricks to Lower Car Insurance Costs in Heathsville

Shopping for low-cost Heathsville car insurance over the internet can seem to be intimidating for consumers not familiar with buying insurance online. Since there are so many insurers to choose from, how can consumers possibly compare every company to locate the lowest price available?

It's important to do rate comparisons on a regular basis since rates are constantly changing. Just because you found the lowest price six months ago a different company probably has better rates today. Block out anything you think you know about car insurance because you're about to find out the quickest way to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Shopping for the lowest cost car insurance in Heathsville is easy if you know what you're doing. Nevertheless, Virginia consumers do need to know how the larger insurance companies sell online because it can help you find the best coverage.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be requested specifically prior to getting the savings.

  • Sign Online - A few companies may give you up to $50 simply for signing digitally online.
  • Clubs and Organizations - Being a member of a civic or occupational organization is a good way to get lower rates on car insurance.
  • Bundle and Save - If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Theft Prevention Discount - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Multiple Cars - Insuring all your vehicles on one policy can get a discount on all vehicles.

It's important to understand that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will reduce your overall premium however.

Are car insurance companies telling the truth?

Car insurance companies such as State Farm, GEICO and Progressive consistently run ads on TV and radio. They all seem to make an identical promise of big savings if you change to them. How can each company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that earns them a profit. For instance, a desirable insured might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay a more expensive rate and ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save money. This is how insurance companies can confidently state the savings.

Because of the profiling, drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

For more Virginia car insurance information

Additional car insurance information is located on the Virginia Bureau of Insurance website found here. Visitors are able to get help finding coverage, find out which companies have the most complaints, and view agent and company licensing information.

The best insurance company isn't always the cheapest

Low-cost car insurance can be sourced both online and with local Heathsville insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

People leave their current company for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, policy non-renewal and even policy cancellation. No matter why you want to switch, finding a new car insurance company is less work than it seems.

As you restructure your insurance plan, it's not a good idea to skimp on coverage in order to save money. In many cases, drivers have reduced liability coverage limits only to discover later that they should have had better coverage. Your aim should be to purchase plenty of coverage at the best price.