Quote Poquoson Auto Insurance Prices With These Methods

Cutting costs on Poquoson auto insurance is challenging for beginners to shopping for insurance online. There are so many choices that it can be a big hassle to find lower rates in Poquoson.

It's important to do rate comparisons before your policy renews since insurance rates are constantly changing. If you had the best price a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the fastest and easiest way to find great coverage at a great price.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be manually applied prior to getting the savings.

Senior Discount - Mature drivers can possibly qualify for reduced rates.
Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
Accident Free - Claim-free drivers can save substantially as compared to bad drivers.
Homeowners Pay Less - Owning a house in Poquoson can save you money because of the fact that having a home is proof that your finances are in order.
Military Rewards - Being deployed with a military unit can result in better rates.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

A little note about advertised discounts, some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of companies with the best auto insurance discounts in Virginia, click here.

Cheap Poquoson Auto Insurance Comparisons

There are several ways you can shop for auto insurance but there is one way that is easier and takes less work. You can waste a lot of time talking to insurance agencies in Poquoson, or you can utilize online quoting to achieve your goal.

Many insurance companies take part in a program that allows shoppers to complete one form, and each company then gives them pricing for coverage. This prevents consumers from doing quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

The one downside to pricing coverage this way is you are unable to specify which carriers to receive prices from. So if you prefer to pick specific providers to compare rates, we put together a list of low cost auto insurance companies in Virginia. View list of Virginia insurance companies.

Whichever method you choose, ensure you're using identical coverages with every price quote. If you use different limits and deductibles on each one it will be next to impossible to find the best deal in Poquoson. Slightly different coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes helps locate lower pricing.

Why some people pay less for insurance in Poquoson

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" companies use to determine rates.

Men fork out a little more - The statistics show that women are safer drivers than men. However, don't assume that women are better drivers. Women and men have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
Never allow your policy to lapse - Not having insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance will get you a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Virginia DMV.
Rates may be higher depending on your occupation - Jobs such as lawyers, social workers and financial analysts tend to pay higher average rates attributed to high stress levels and lengthy work days. Conversely, occupations like farmers, engineers and the unemployed have the lowest average rates.
Having a spouse can save you money - Having a spouse actually saves money on auto insurance. It is viewed as being more responsible and it's statistically proven that drivers who are married are more cautious.
Equipment add-ons that lower auto insurance rates - Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
Discounts for multiple policies - The majority of insurance companies will give a discount to people who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount you may still want to compare rates to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.
Mature drivers pay less - Teenage drivers in Virginia tend to be more careless in a vehicle so they pay higher auto insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Do you need the policy add-ons? - There are a lot of extra bells and whistles that you can buy if you aren't careful. Coverages for vanishing deductibles, towing coverage and motor club memberships are some examples. These may sound like a good investment at first, but if you don't need them eliminate them to save money.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to have a common claim about savings if you move to them. How does each company say the same thing?

All companies can use profiling for the type of driver that is profitable for them. For example, a desirable insured might be profiled as a mature driver, is a homeowner, and has a short commute. A propective insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay a more expensive rate and this can result in business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save money. That's why companies can truthfully make the claims of big savings.

Because of the profiling, drivers must get a wide range of price quotes. It's not possible to predict the company that will fit your personal profile best.

Final considerations

As you shop your coverage around, never reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at an affordable rate.

Drivers who switch companies do it for many reasons like denial of a claim, being labeled a high risk driver, high rates after DUI convictions or an unsatisfactory settlement offer. It doesn't matter what your reason, finding the right auto insurance provider is actually quite simple.

Cheaper auto insurance is definitely available on the web and with local Poquoson insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Learn more today

Additional information can be found on the Virginia Bureau of Insurance website through this link. Virginia drivers can learn about insurance regulations, find a variety of consumer forms, and read industry bulletins.