Comparison Shop Waverly Auto Insurance Prices With These Tips

Purchasing cheap Waverly auto insurance on the web may be impossible for beginners to price shopping online. With so many choices of companies in the marketplace, how can you even start to compare every one to find the cheapest rates?

It's important to shop coverage around quite often since insurance rates are constantly changing. Just because you found the lowest price a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you're about to learn how to use online quotes to find better coverage at a better price.

Finding affordable coverage in Waverly is easy if you know what you're doing. In a nutshell, anyone who is required by state law to have auto insurance should be able to reduce their rates. But Virginia vehicle owners do need to know how the larger insurance companies sell online because it can help you find the best coverage.

Policy discounts you shouldn't miss

Companies that sell car insurance don't necessarily list all their discounts very well, so we researched some of the best known and the more hidden ways to save on auto insurance.

College Student - Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
Accident Waiver - Some insurance companies permit an accident before raising your premiums as long as you don't have any claims prior to the accident.
Driver's Ed - Have your child complete a driver education course if it's offered in school.
Drive Less and Save - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Sign Online - Certain companies give back up to $50 for buying a policy and signing up online.
Memberships - Affiliation with a professional or civic organization could trigger savings on auto insurance.
Driver Safety - Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
Senior Discount - Mature drivers may be able to get a small decrease in premiums.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy could earn a price break for each car.
Auto/Life Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies wouldn't make money that way.

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

How to Buy Waverly Auto Insurance Online

The are a couple different ways of comparing rate quotes from local Waverly auto insurance companies. The best method to find competitive insurance rates is simply to get online rate quotes. This can be done using a couple different methods.

The best way to find low rates is a comparison rater form (click to open form in new window). This form prevents you from having to do repetitive form entry for every auto insurance company. One form gets you price quotes direct from many companies. This is by far the quickest method.
A less efficient way to shop for auto insurance online requires visiting each company's website to complete their respective quote request forms. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in Waverly, click here.

It's up to you how you get prices quotes, just make darn sure you compare apples-to-apples quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Waverly. Having just a slight variation in insurance coverages may result in large price differences. And when comparison shopping, comparing more company's prices provides better odds of finding the best offered rates.

Tips to Get Lower Waverly Rates

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Mature drivers pay less - Teenage drivers in Virginia are known to be more careless when driving so auto insurance rates are higher. Having to add a teen driver onto a policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men have accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
Lower rates with optional equipment - Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your vehicle from being stolen.
Add-on coverages can add up - There are a ton of add-on coverages that you can buy if you aren't careful. Things like vanishing deductibles, towing coverage and additional equipment coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so remove them from your policy.
Discounts for married couples - Having a wife or husband can get you a discount on your auto insurance policy. It translates into being more mature than a single person and it's statistically proven that married drivers get in fewer accidents.

Insurance agents can help

When choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone's needs are different.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

Why does it cost so much to insure a teen driver in Waverly?
Does my policy cover me when driving someone else's vehicle?
Is rental equipment covered for theft or damage?
Is my vehicle covered for flood damage?
Does medical payments coverage apply to all occupants?
Does my liability insurance cover pulling a trailer or camper?
Are there companies who specialize in insuring high-risk drivers?
Should I rate my vehicle as pleasure use or commute?

If it's difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to make the same claim that you'll save big after switching your coverage to them. But how can every company say the same thing?

All companies have a preferred profile for the type of customer that is profitable for them. For instance, a desirable insured might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has a short commute. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay a higher premium which leads to business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. This is how companies can make the claims of big savings. Because of the profiling, drivers must get quotes from several different companies. It's not possible to predict which insurance companies will fit your personal profile best.

Final considerations

As you shop your coverage around, do not reduce coverage to reduce premium. There are many occasions where drivers have reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at an affordable rate.

Budget-conscious auto insurance can be sourced on the web as well as from independent agents in Waverly, so you should be comparing quotes from both to have the best selection. Some insurance providers don't offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Insureds change insurance companies for many reasons like not issuing a premium refund, denial of a claim, extreme rates for teen drivers or delays in responding to claim requests. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.

More detailed Virginia auto insurance information is located at the Virginia Bureau of Insurance website. Virginia drivers can read enforcement actions against agents and companies, learn about insurance regulations, and view a list of available companies.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Waverly.