Consumer Tested Strategies to Save on Hollins Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say you are not the only one feeling buyer's remorse. Because you have many options when it comes to auto insurance, it can be impossible to find the right insurance company.

This information will tell you how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this strategy. Virginia consumers only need to know how to buy auto insurance online.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

Listed below are some of the factors that factor into premiums.

Higher safety ratings means cheaper insurance - Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates.
Extra coverages can waste money - There are many extra coverages that you can get tricked into buying if you aren't careful. Things like rental car reimbursement, accidental death and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
Traffic citations inflate rates - Whether or not you get tickets has a big impact on rates. Only having one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums than bad drivers. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to continue driving.
Bundling policies can get discounts - Most companies will award you with lower prices to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.
Keep rates low by being claim-free - Auto insurance companies in Virginia provide discounts to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the large, substantial claims.
Your spouse saves you money - Being married can actually save you money when buying auto insurance. Having a spouse usually means you are more responsible and it's proven that being married results in fewer claims.
Proper usage rating affects rates - The more miles you rack up on your car in a year the more you'll pay to insure your vehicle. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance policy properly reflects how each vehicle is driven, because it can save money.

Comprehensive Hollins Auto Insurance Comparison Quotes

All major auto insurance companies provide insurance quotes on their websites. Getting online quotes doesn't take much effort as you just enter the coverage amounts you desire as detailed in the form. After the form is submitted, their system will obtain your credit score and driving record and returns a price quote based on many factors. This makes it a lot easier to compare rates but the process of having to visit different websites and complete many quote forms is monotonous and tiresome. But it's very important to compare as many rates as possible if you want to find the best price on auto insurance.

The preferred way to find better auto insurance pricing requires only one form that gets prices from multiple companies. The form is fast, reduces the work, and makes rate comparisons much more enjoyable. After sending your information, it gets priced and you can choose any or none of the resulting price quotes.

If a lower price is quoted, you can click and sign and buy the new coverage. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

To quickly find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have a policy now, it's recommended you input the limits and deductibles as close as possible to your current policy. This makes sure you will have an apples-to-apples comparison for the exact same coverage.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Most are applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit. If you don't get every credit possible, you are paying more than you should be.

Fewer Miles Equal More Savings - Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
Defensive Driver - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Early Signing - Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Driver's Ed - Cut your cost by having your teen driver enroll in driver's education in school.
Federal Government Employee - Employees or retirees of the government could cut as much as 10% off depending on your company.
Paperless Signup - A few companies give back up to $50 for buying your policy online.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

To choose insurers offering auto insurance discounts in Virginia, follow this link.

How can 21st Century, Allstate and State Farm save drivers who switch?

Virginia drivers can't ignore all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing about savings if you switch your policy.

But how can every company say the same thing?

Insurance companies are able to cherry pick for the right customer that makes them money. An example of a profitable customer might be profiled as over the age of 40, has no tickets, and has great credit. A propective insured who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile must pay higher prices which usually ends up with business not being written. The ads state "customers that switch" not "everybody who quotes" save that kind of money. That's the way companies can truthfully advertise the savings.

This illustrates why you need to compare as many rates as you can. It's not possible to predict which auto insurance company will give you the biggest savings.

Additional information is available on the website for the Virginia Bureau of Insurance located here. Virginia drivers can find disaster information, discover disciplinary actions, file complaints about a company, and read consumer alerts.

Other informative sites include this resource for Virginia auto insurance prices and this page of Hollins insurance agents.

Best coverage at the best price

The cheapest auto insurance is available on the web in addition to many Hollins insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

In this article, we covered a lot of tips how to compare auto insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as .