Top 5 Ways to Save Money on Car Insurance in Hillsville

Shopping for affordable Hillsville car insurance on the internet can seem to be intimidating for beginners to buying insurance on the web. Since there are so many choices, how can consumers possibly compare every one to find the lowest price?

It's important to compare prices quite often since rates are constantly changing. Even if you think you had the lowest price two years ago a different company probably has better rates today. Forget all the misinformation about car insurance because you're about to learn how to quote online to buy cheaper car insurance.

Shopping for affordable car insurance in Hillsville is easy if you know what you're doing. If you have a policy now or are looking for a new policy, you can learn to find better prices and still get good coverage. Virginia drivers only need an understanding of the tricks to get comparison rates on the web.

Save big with these 5 discounts

Car insurance is not cheap, but you can get discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but less common discounts must be specially asked for prior to receiving the credit. If you don't get every credit you deserve, you are throwing money away.

  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • 55 and Retired - If you qualify as a senior citizen, you may receive better car insurance rates.
  • Safety Course Discount - Completing a driver safety course could cut 5% off your bill if you qualify.
  • Discount for Swiching Early - Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.

It's important to understand that most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce your overall premium however.

Hillsville car insurance quote

But I don't know anything about car insurance

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Every insured's situation is different.

These are some specific questions may help you determine if your situation may require specific advice.

  • Do I need PIP (personal injury protection) coverage in Virginia?
  • Should I buy additional glass protection?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It's fast, doesn't cost anything and may give you better protection.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for car insurance savings by Allstate and Progressive. All the ads say the same thing of big savings if you change to their company.

But how can every company make the same claim? This is how they do it.

All companies have a preferred profile for the driver that earns them a profit. For instance, a preferred risk could be over the age of 50, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will be charged higher prices which usually ends up with business going elsewhere. Company advertisements say "drivers who switch" not "people who quote" save that much. This is how insurance companies can confidently state the savings.

That is why drivers should get as many comparisons as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

More sites with car insurance information

Additional car insurance information is located on the Virginia Bureau of Insurance website. Click here for link. Consumers can read consumer alerts, learn about insurance regulations, and discover disciplinary actions.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this directory of Hillsville insurance agents.

Hillsville car insurance comparison

And the best car insurance company is...

When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. Too many times, drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Low-cost car insurance is attainable from both online companies and also from your neighborhood Hillsville agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Consumers leave their current company for any number of reasons including policy cancellation, denial of a claim, questionable increases in premium and even high prices. Whatever your reason, switching car insurance companies is less work than it seems.