Easy Methods to Pay Less on Verona Auto Insurance

Are you overwhelmed by the sheer number of auto insurance companies in Verona? Lot's of other consumers are too. Consumers have so many choices that it can turn into a challenge to find the lowest price.

It's important to compare prices at least once a year since insurance rates are constantly changing. Even if you got the lowest rates last year the chances are good that you can find a lower rate today. So block out anything you think you know about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

If you have car insurance now, you should be able to lower your premiums substantially using these techniques. This article will tell you how to get online quotes and some tips to save money. Although Virginia vehicle owners do need to know the methods companies use to price insurance differently and use this information to your advantage.

Don't pay full price with these discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Most are applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
Driver Safety - Completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
Auto/Life Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
Memberships - Affiliation with certain professional organizations could trigger savings on your policy.
Claim Free - Drivers with accident-free driving histories can save substantially compared to bad drivers.
Multiple Vehicles - Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
No Charge for an Accident - A few companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.

A little note about advertised discounts, most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. Just because you may think it's possible to get free car insurance, you won't be that lucky. Any amount of discount will cut your premiums.

To see a list of providers who offer auto insurance discounts in Verona, click this link.

How to Compare Verona Auto Insurance Costs

There are multiple methods to compare auto insurance prices but one way is easier and takes less work. You can waste a lot of time talking to agents in Verona, or you could save time and use the web to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace that enables customers to submit one quote, and each company can provide price quotes. This system prevents you from having to do form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is that you can't choose which carriers you will receive quotes from. So if you want to select specific providers for rate comparison, we put together a list of auto insurance companies in Virginia. Click to view list.

It's up to you how you get prices quotes, just compare the exact same information for every quote you compare. If you are comparing higher or lower deductibles it will be impossible to determine the best price in Verona. Having just a slight variation in coverages can result in a big premium difference. Just keep in mind that comparing a large number of companies will enable you to find the best price.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get lower auto insurance prices.

The following are a few of the "ingredients" used by your company to calculate your rates.

A clean driving record saves money - Your driving record impacts your car insurance rates tremendously. Even a single moving violation can bump up the cost forty percent or more. Drivers who don't get tickets have lower premiums compared to drivers with tickets. Drivers who get flagrant violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
Don't get talked into coverage you don't need - There are a ton of extra coverages you can purchase if you aren't careful. Coverages like personal injury protection, better glass coverage and additional equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.
Pleasure use saves money - Driving more miles in a year the higher your rates will be. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage is showing the proper vehicle usage.
Don't skimp on liability - Liability coverage provides coverage in the event that a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Occupations like lawyers, executives and accountants have higher rates than average because of high stress levels and lengthy work days. On the flip side, jobs such as actors, athletes and performers get better rates.
Do men or women drive better? - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men cause accidents in similar percentages, but men have costlier accidents. Men also have more aggressive citations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Discounts for married couples - Having a spouse can get you a discount on your auto insurance policy. Marriage translates into being more responsible and it's proven that being married results in fewer claims.

The auto insurance bait and switch

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads make the same claim about savings after switching your coverage to them. How do they all say the same thing?

All companies are able to cherry pick for the type of customer that is profitable for them. For example, a preferred risk might be profiled as over the age of 40, has no tickets, and has great credit. A propective insured who matches those parameters gets the lowest rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged higher prices which leads to business not being written. Company advertisements say "customers that switch" not "everyone that quotes" save that much money. That's the way companies can truthfully advertise the savings.

That is why drivers must get as many quotes as possible. It's not possible to predict which auto insurance company will give you the biggest savings.

Final considerations

Throughout this article, we presented some good ideas how to compare auto insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a small local company.

The cheapest auto insurance can be purchased on the web as well as from independent agents in Verona, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you prepare to switch companies, never reduce coverage to reduce premium. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Additional information can be found on the Virginia Bureau of Insurance website located here. Virginia drivers can file complaints about a company, discover disciplinary actions, and file complaints about an insurance agent or broker.