7 Methods to Save on Car Insurance in Stuarts Draft Virginia

Scraping up a payment for overpriced car insurance can dwindle your personal savings and put a big crunch on your finances. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. With so many choices, it can be diffult for consumers to locate the cheapest car insurance company.

Buying car insurance in Stuarts Draft is easy if you know what you're doing. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. Virginia vehicle owners just need to know the most efficient way to get comparison rates over the internet.

Save big with these seven discounts

Companies don't always publicize every discount very well, so the following is a list of both the well known and the more hidden car insurance savings. If you don't get every credit you deserve, you are throwing money away.

  • Accident Free - Drivers who don't have accidents pay less when compared to drivers who are more careless.
  • Paperwork-free - A few companies may give you up to $50 for buying a policy and signing up online.
  • Distant Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Multiple Policy Discount - If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Discount for Life Insurance - Select insurance companies reward you with a break if you buy life insurance.
  • Low Mileage Discounts - Fewer annual miles could qualify for lower rates on the low mileage vehicles.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like adding up those discounts means a free policy, companies don't profit that way.

Car insurance ads bend the truth

Consumers in Virginia get pounded daily by advertisements for car insurance savings by companies like Progressive, Allstate and GEICO. They all say the same thing that you'll save big after switching to them.

But how can every company claim to save you money?

Insurance companies have a preferred profile for the type of driver that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. Any new insured who fits that profile will get the preferred rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will be quoted more money which usually ends up with the customer not buying. The ads state "people who switch" not "people who quote" save money. This is how companies can make the claims of big savings. This emphasizes why drivers should get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

For more Virginia car insurance information

More detailed Virginia car insurance information can be read at the Virginia Bureau of Insurance website. Visitors are able to read industry bulletins, get help finding coverage, read enforcement actions against agents and companies, and find out industry alerts.

Also read more on this online resource for car insurance quotes in Virginia and this list of insurance agents in Stuarts Draft.

And the best car insurance company is...

Discount car insurance can be bought both online and with local Stuarts Draft insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you shop your coverage around, do not skimp on coverage in order to save money. There are too many instances where drivers have reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.