Finding Low-Cost Remington Auto Insurance

Nobody I know enjoys paying for auto insurance, in particular when they are paying too much. Because you have many auto insurance companies to choose from, it's nearly impossible to pick the cheapest insurer.

It's important to take a look at other company's rates occasionally because insurance rates are constantly changing. Just because you found the best deal two years ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about auto insurance because you're about to learn the only way to reduce your cost while increasing coverage.

Finding affordable coverage in Remington is easy if you know what you're doing. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Virginia vehicle owners just need to know the most efficient way to compare company rates over the internet.

Be sure to get all your discounts

Companies offering auto insurance don't always list every available discount very well, so here is a list both well-publicized as well as the least known auto insurance savings. If you don't get every credit you qualify for, you're paying more than you need to.

Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Accident Forgiveness - Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
Driver Safety - Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Resident Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
Save over 55 - Mature drivers may be able to get better auto insurance rates.
Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
E-sign - A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.

Drivers should understand that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies wouldn't make money that way.

To see a list of providers who offer auto insurance discounts in Virginia, follow this link.

Automobile Insurance Quotes in Remington, VA

There are several ways to shop for auto insurance, but one way is less labor-intensive and much quicker. You can waste a lot of time driving to insurance companies in Remington, or you could save time and use the web for quick rates.

Many insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and each participating company can give them a price based on that information. This eliminates the need for repetitive form submissions to each individual auto insurance company.

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

The only drawback to comparing rates this way is you can't choose which carriers you want to price. If you would rather choose from a list of companies to compare prices, we have a page of auto insurance companies in Virginia. Click to view list.

Which method you use is up to you, but make absolute certain that you use apples-to-apples quote information on every quote you get. If the quotes have mixed coverages it's not possible to determine which rate is truly the best in Remington.

Remington Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

The following are some of the factors auto insurance companies consider when setting your rates.

Credit scores impact auto insurance rates - Your credit history is a important factor in determining your rates. If your credit history is not that good, you could pay less to insure your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
Multi-policy discounts can save money - Many companies give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare rates to ensure the best deal.
Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes have accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Traffic violations increase rates - Even a single speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions might point out whether or not you might need an agent's assistance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Can I rate high risk drivers on liability-only vehicles?
Should I rate my vehicle as pleasure use or commute?
What are Virginia no-fault laws?
Am I covered if I wreck a rental car?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Is there truth in advertising?

Virginia consumers can't get away from ads for cheaper car insurance by Allstate and Progressive. All the ads say the same thing that you'll save big after switching to their company.

But how can every company make almost identical claims?

Insurance companies have a certain "appetite" for the driver that is profitable for them. An example of a preferred risk could possibly be between the ages of 30 and 50, owns a home, and chooses high deductibles. A driver who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that much. That is how companies can state the savings. That is why drivers must get as many quotes as possible. It is impossible to predict which company will give you the biggest savings.

Best coverage at the best price

When buying insurance coverage, don't be tempted to reduce coverage to reduce premium. Too many times, an insured cut comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Budget-conscious auto insurance can be sourced online and also from your neighborhood Remington agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

For more Virginia car insurance information

More detailed Virginia auto insurance information is available at the Virginia Bureau of Insurance website. Virginia consumers can find out industry alerts, read consumer alerts, learn about insurance regulations, and file complaints about a company.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Remington insurance agents.