Tightwads Tips for Saving on Strasburg Auto Insurance
Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are many Strasburg consumers feeling the pinch from expensive auto insurance.
Drivers have multiple to pick from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.
Buying car insurance in Strasburg is quite easy. Basically, every driver who has to buy auto insurance stands a good chance to be able to reduce their rates. Nevertheless, Virginia consumers do need to know how big insurance companies market insurance on the web and take advantage of how the system works.
Take advantage of discounts
Companies that sell car insurance do not list every discount very clearly, so here is a list both the well known and the more hidden auto insurance savings.
- No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
- Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break when shopping for auto insurance.
- Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
- Discount for Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.
- Paperwork-free - Certain companies may give you up to $50 simply for signing over the internet.
- Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
- Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
It's important to understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.
Are auto insurance companies telling the truth?
Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all say the same thing of big savings if you change to their company. How does each company claim to save you money?
All companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer might be between 30 and 50, has no driving citations, and has great credit. A customer getting a price quote who fits that profile is entitled to the best price and most likely will save when switching.
Potential customers who don't qualify for these standards will be quoted higher prices which usually ends up with the customer not buying. Company advertisements say "people who switch" not "people who quote" save that much. That's the way insurance companies can confidently advertise the savings. This emphasizes why you should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.
Learn more about Virginia auto insurance
More tips and info about auto insurance is available at the Virginia Bureau of Insurance website. Visitors are able to read industry bulletins, find out which companies have the most complaints, discover disciplinary actions, and file complaints about an insurance agent or broker.
Also read more on this online resource for auto insurance quotes in Virginia and this list of insurance agents in Strasburg.
Affordable insurance is out there
Low-cost auto insurance is attainable both online and also from your neighborhood Strasburg agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and these smaller companies work with independent agents.
As you prepare to switch companies, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.
