Quote Manassas Auto Insurance Prices With These Tricks

Cutting costs on Manassas auto insurance is challenging for people who are new to comparing rates online. You have so many companies to choose from that it can turn into a ton of work to compare prices in Manassas.

Cheap Manassas Auto Insurance Comparisons

There are several ways you can shop for auto insurance but one way is less labor-intensive and much quicker. You could spend your day driving to agents in Manassas, or you can utilize online quotes to accomplish the same thing much quicker.

All the larger companies enroll in a system that allows shoppers to complete one form, and each participating company provides a quote for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The only downside to doing it this way is you can't choose which companies to get pricing from. So if you prefer to pick specific providers for rate comparison, we put together a list of low cost auto insurance companies in Virginia. Click here for list of insurance companies in Virginia.

Whichever method you choose, ensure you're using the exact same coverages and limits for each price quote. If you use different deductibles it will be next to impossible to truly determine the lowest rate in Manassas. Slightly different coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes will enable you to find a lower rate.

auto insurance in Manassas

Manassas Rates are Influenced by These Factors

It's important that you understand the factors that go into determining auto insurance rates. Understanding what impacts premium levels enables informed choices that could result in lower auto insurance prices.

Listed below are some of the factors auto insurance companies consider when setting premiums.

  • Higher safety ratings means cheaper insurance - Cars with high safety ratings get lower rates. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
  • Frequent auto insurance claims increase rates - Auto insurance companies in Virginia generally give better rates to insureds who are claim-free. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • A clean driving record saves money - Whether or not you get tickets impacts your car insurance rates tremendously. Only having one speeding ticket can boost insurance rates twenty percent or more. Careful drivers receive lower rates than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • Liability coverage protects you - Liability insurance will protect you if a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Occupations such as doctors, social workers and accountants tend to have higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations like farmers, athletes and homemakers receive lower rates.
  • Older drivers save more - Mature drivers are more responsible, tend to file fewer claims and are safer drivers. Teenage drivers are statistically proven to be more careless in a vehicle therefore auto insurance rates are much higher.
  • Bump up deductibles to save - The deductibles represent how much money you are willing to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, collision with an animal, and rolling your vehicle. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Don't buy coverages you don't need - There are many extra bells and whistles that you can get tricked into buying if you aren't careful. Coverages like vanishing deductibles, accidental death and term life insurance are some examples. These may sound like a good investment at first, but if they're wasting money get rid of them and save.

How much can you save with discounts?

Companies offering auto insurance don't list all available discounts in an easy-to-find place, so here is a list some of the best known and the more hidden discounts you could be receiving.

  • Service Members Pay Less - Being deployed with a military unit could mean lower rates.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% depending on your company.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
  • Club Memberships - Affiliation with certain professional organizations may earn a discount when buying auto insurance.
  • Senior Discount - Older drivers may qualify for better auto insurance rates.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren't that generous.

For a list of insurers offering auto insurance discounts in Manassas, click here.

Even more information is available at the Virginia Bureau of Insurance website. Virginia drivers can find disaster information, download brochures, and file complaints about a company.

The best insurance company isn't always the cheapest

Cheap auto insurance is available on the web and also from your neighborhood Manassas agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

Drivers switch companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, poor customer service and questionable increases in premium. It doesn't matter what your reason, finding the right auto insurance provider is not as hard as you think.

Throughout this article, we presented a lot of ways to lower your auto insurance rates. The key thing to remember is the more companies you get rates for, the better chance you'll have of finding lower rates. You may even discover the lowest rates come from a company that doesn't do a lot of advertising.