Car Insurance in South Boston, VA - 8 Discounts You Might be Missing

Have you had enough of trying to scrape together enough money each month for car insurance? You are in the same boat as the majority of other car owners in Virginia.

Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with TV and radio ads and it can be hard to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. Finding the best rates in South Boston is easy if you know what you're doing. But Virginia car owners do need to know the way companies price online insurance.

Comparison of Car Insurance in South Boston

Most major insurance companies give coverage price quotes on the web. Getting quotes doesn't take a lot of time as you just enter as detailed in the form. Behind the scenes, their rating system will obtain your driving and credit reports and returns a price based on many factors. Online quotes makes it a lot easier to compare rates but having to visit each company's website and repetitively fill out multiple forms is repetitive and time-consuming. But it's very important to compare as many rates as possible in order to get the best price on car insurance.

A less time-consuming method to lower your car insurance bill is to use a quote form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes quoting online a little more enjoyable. After your information is entered, your coverage is rated and you can choose your choice of the returned quotes.

If the quotes result in lower rates, it's easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you copy the coverage information just like they are on your policy. This way, you will receive comparison quotes based on similar coverages.

car insurance in South Boston

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings.

  • Military Discounts - Having a family member in the military could mean lower rates.
  • Employee of Federal Government - Simply working for the federal government may qualify you for a discount depending on your company.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Ed for Students - Require your teen driver to enroll in driver's education in school.
  • Defensive Driver - Taking part in a driver safety course could save 5% or more depending on where you live.
  • Air Bag Discount - Vehicles equipped with air bags can qualify for discounts of more than 20%.
  • No Claims - Claim-free drivers pay less when compared with frequent claim filers.
  • Good Students Pay Less - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.

Drivers should understand that most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will reduce the cost of coverage.

For a list of insurers offering car insurance discounts in South Boston, click this link.

Much more information about car insurance in Virginia can be read on the website for the Virginia Bureau of Insurance through this link. Consumers can find disaster information, download brochures, read consumer alerts, and view a list of available companies.

Shop smart and save

Budget-conscious car insurance can be found from both online companies in addition to many South Boston insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

While you're price shopping online, it's not a good idea to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.