Tightwads Tips for Saving on Toano Auto Insurance
Are you tired of scraping the payment together each month for car insurance? Your situation is no different than millions of other consumers.
There are many to buy insurance from, and although it's nice to have a choice, it makes it harder to compare rates.
It's important to check auto insurance prices once or twice a year because insurance rates are constantly changing. If you had the best price a few years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.
Don't pay full price with these discounts
Companies offering auto insurance don't list all their discounts very clearly, so we took the time to find both well-publicized and the harder-to-find ways to save on auto insurance.
- Homeowners Pay Less - Owning a house in Toano may earn you a small savings because of the fact that having a home is proof that your finances are in order.
- Drivers Education - Require your teen driver to complete a driver education course in high school.
- Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
- Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
- Defensive Driving Course - Completing a course in driver safety could save 5% or more depending on where you live.
- Passive Restraints and Air Bags - Factory air bags may earn rate discounts of 20% or more.
A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you won't be that lucky.
For a list of companies with the best auto insurance discounts in Virginia, click this link.
How to Compare Auto Insurance Costs in Toano
Shopping for lower auto insurance rates can be challenging if you don't know the best way to get rate quotes. You can waste hours talking to local insurance agents in Toano, or you can stay home and use online quoting to achieve your goal.
Most car insurance companies participate in an industry program that enables customers to submit one quote, and each participating company then gives them pricing for coverage. This system prevents you from having to do quote forms to each individual auto insurance company.
To submit your quote information now, click here (opens in new window).
The one downside to comparing rates this way is that consumers can't choose the companies you want pricing from. So if you want to select specific providers to request quotes from, we put together a list of the cheapest auto insurance companies in Virginia. View list of Virginia insurance companies.
It doesn't matter which method you choose, just double check that you are using identical deductibles and coverage limits on every quote you get. If you use different values for each quote it will be very difficult to determine which rate is truly the best in Toano. Having just a slight variation in coverages can make a big difference in price. It's important to know that quoting more helps locate better pricing.
Do the work, save more money
Cheaper auto insurance is possible online and with local Toano insurance agents, so compare prices from both to have the best selection. Some insurance providers do not offer online quoting and most of the time these regional insurance providers sell through independent agents.
In this article, we presented many ideas to get a better price on auto insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a smaller regional carrier. These companies may cover specific market segments cheaper as compared to the big name companies such as .
