5 Simple Ways to Slash Car Insurance Costs in Staunton

Shopping for affordable Staunton car insurance on the web is problematic for consumers new to online price comaprisons. With a ridiculous number of companies in the marketplace, how can consumers effectively compare the different rates to find the best available rates?

How to Get Cheap Car Insurance in Staunton, VA

Most companies like Progressive, Allstate and GEICO provide prices for coverage on their websites. Getting quotes is fairly straightforward as you simply type in your required coverages into the quote form. When the form is submitted, the system will obtain your driving record and credit report and provides a quote.

Being able to quote online makes comparing rates easy, but the work required to visit each company's website and repetitively fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to perform this step if you want to find a lower rate.

Quote rates the easy way

A quicker way to compare car insurance pricing is to use a quote form to obtain quotes from many companies. It's a real time-saver, requires less work, and makes price shopping online much easier. Once the form is submitted, it gets priced with multiple companies and you can pick any one of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process just takes a couple of minutes and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have coverage now, it's recommended you input the coverage information identical to your current policy. This ensures you will get comparison quotes for similar insurance coverage.

More discounts equal less premium

Companies offering auto insurance don't necessarily list every discount very clearly, so we researched both the well known and the more hidden ways to save on car insurance.

  • Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
  • Multiple Cars - Having all your vehicles on the same car insurance policy could earn a price break for each car.
  • Distant Student - Any of your kids who are attending college and don't have a car may be able to be covered for less.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren't that generous.

To see a list of insurance companies with discount car insurance rates in Virginia, click this link.

It's not one size fits all

When choosing the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Each situation is unique.

Here are some questions about coverages that can help discover if you will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • What happens if I owe more than my vehicle is worth?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Learn more about car insurance in Virginia

Even more information is located at the Virginia Bureau of Insurance website. Visitors are able to download brochures, file complaints about an insurance agent or broker, and report car insurance fraud.