Free Guide to Spending Less for Ruckersville Auto Insurance Online

Nobody enjoys paying for auto insurance, particularly when the cost is way too high.

Because there are so many online and local companies to choose from, it's nearly impossible to locate the cheapest insurance company.

It's important to compare prices occasionally because prices are constantly changing. Despite the fact that you may have had the best price last year a different company probably has better rates today. Forget all the misinformation about auto insurance because you're about to learn one of the best ways to eliminate unnecessary coverages and save money.

This information will introduce you to how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Nevertheless, Virginia consumers do need to know the methods companies use to compete online and apply this information to your search.

Don't pay full price with these discounts

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Most are applied when you quote, but less common discounts must be asked for before you get the savings.

Bundle and Save - If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
Save with a New Car - Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
Good Student - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
Sign Online - A few companies may give you up to $50 simply for signing online.
Homeowners Savings - Owning a house in Ruckersville can save you money due to the fact that maintaining a home is proof that your finances are in order.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.

It's important to understand that some credits don't apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce your premiums.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that help determine the rates you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with much lower annual insurance costs.

The following are a few of the "ingredients" auto insurance companies consider when setting rates.

More people means more accidents - Living in small towns and rural areas can be a good thing when talking about auto insurance. Urban drivers tend to have much more traffic and longer commute times. Fewer people translates into fewer accidents.
Multiple policies with one company can save - Many insurance companies will give a discount to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it's still a good idea to compare other company rates to ensure the best deal.
Older drivers pay less - Youthful drivers in Virginia are known to be more careless behind the wheel so auto insurance rates are higher. Parents adding a youthful driver to your auto insurance policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
Cautious drivers pay less - Careful drivers get better rates compared to drivers with tickets. Even a single citation can boost insurance rates twenty percent or more. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you could use an agent's help.

What is the difference between comprehensive and collision coverage?
Do I need PIP (personal injury protection) coverage in Virginia?
Should I file a claim if it's only slightly more than my deductible?
Do I need to file an SR-22 for a DUI in Virginia?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover my teen driver if they drive my company car?
Is my cargo covered for damage or theft?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

The auto insurance bait and switch

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads in print and on television. They all seem to have a common claim of big savings after switching to their company. But how can every company claim to save you money? It's all in the numbers.

Insurance companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured might be over the age of 40, owns a home, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and therefore will save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay a higher premium and this can result in the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save that much. That is how insurance companies can confidently claim big savings.

Because of the profiling, drivers should get as many quotes as possible. It's impossible to know which company will give you the biggest savings.

For more Virginia car insurance information

Additional auto insurance information can be found on the website for the Virginia Bureau of Insurance found here. Visitors are able to view agent and company licensing information, read consumer alerts, read enforcement actions against agents and companies, and file complaints about a company.

Also read more on Wikipedia and this Ruckersville agent directory.

Affordable insurance is out there

When trying to cut insurance costs, don't be tempted to skimp on coverage in order to save money. In many instances, an insured cut physical damage coverage only to discover later that it was a big mistake. The ultimate goal is to buy the best coverage you can find at the best price.

We covered a lot of ways to reduce auto insurance prices online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as .

Low-cost auto insurance can be bought both online and also from your neighborhood Ruckersville agents, and you need to comparison shop both to have the best selection. A few companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.