Easy Methods to Spend Less on Stanardsville Car Insurance

Are you intimidated by the number of car insurance companies in Stanardsville? You're not alone. Drivers have so many options that it can turn into a big hassle to locate the lowest price.

How to Compare Car Insurance Quotes in Stanardsville, Virginia

Most major insurance companies provide coverage prices on their websites. The process is quite simple as you simply type in the coverages you want into the quote form. Behind the scenes, their rating system will obtain credit information and your driving record and generates a price.

Online quotes helps simplify price comparisons, but the time required to go to a lot of sites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to lower your rates utilizes a single form to obtain quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes online quotes much simpler. After your information is entered, it gets priced and you are able to buy your choice of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

If you want to find out how much you're overpaying now, click here and submit your coverage information. If you have a policy now, it's recommended you type in the limits and deductibles as close as possible to your current policy. This way, you will have a fair comparison based on similar coverages.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

  • Rates may be lower depending on your job - Careers like doctors, architects and dentists tend to have the highest average rates because of high stress levels and long work days. Other jobs such as actors, historians and the unemployed receive lower rates.
  • Liability coverage is cheap - The liability section of your policy provides coverage when you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Claim-free discounts can add up - If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Companies in Virginia provide cheaper rates to insureds who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Safer occupants lowers premiums - Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.
  • How's your driving record? - A bad driving record has a huge affect on how much you pay. Careful drivers have lower premiums than people who have multiple driving citations. Just one moving violation can boost insurance rates forty percent or more. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Do you know your deductibles? - Your deductibles define the amount you are required to spend out-of-pocket before your car insurance pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, vandalism, and windstorm damage. The more money you are required to pay out-of-pocket, the less your car insurance will be.

More discounts equal less premium

Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but some must be specifically requested prior to getting the savings.

  • No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
  • Club Memberships - Belonging to a civic or occupational organization could qualify you for a break when shopping for car insurance.
  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in high school.
  • Service Members Pay Less - Having a deployed family member can result in better rates.
  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.
  • Homeowners Discount - Simply owning a home may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.

A little note about advertised discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce your premiums.

For a list of insurance companies with the best car insurance discounts in Stanardsville, follow this link.

Additional information is available on the Virginia Bureau of Insurance website located here. Consumers can read industry bulletins, find out which companies have the most complaints, and download brochures.

Shop smart and save

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, questionable increases in premium, extreme rates for teen drivers and unfair underwriting practices. It doesn't matter why you want to switch choosing a new insurance company is not as hard as you think.

Cheaper car insurance is possible from both online companies and also from your neighborhood Stanardsville agents, and you need to price shop both to have the best rate selection. Some companies may not provide online quoting and these smaller companies work with independent agents.

We just showed you a lot of tips how to lower your car insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the best price on car insurance is with the least-expected company.