7 Ways You Can Buy Car Insurance for Less in West Point

I can't think of anyone who cherishes buying car insurance, especially when their premiums are through the roof.

Multiple compete for your business, and it can be difficult to compare rates to discover the definitive lowest price

It's important to compare rates occasionally since rates are constantly changing. Just because you found the lowest rates two years ago a different company probably has better rates today. So forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to properly buy coverages and cut your premium.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Finding affordable coverage in West Point is easy if you know what you're doing. But Virginia car owners do need to know how the larger insurance companies sell online and use this information to your advantage.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be specially asked for before they will apply.

Accident Forgiveness - A few companies will allow you to have one accident before your rates go up as long as you don't have any claims prior to the accident.
Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Sign Online - Certain companies will give a small break for buying a policy and signing up on their website.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Life Insurance Discount - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
Homeowners Savings - Owning a house in West Point can save you money due to the fact that maintaining a home is proof that your finances are in order.

Drivers should understand that some credits don't apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will cut the amount you have to pay.

How do I know if I need professional advice?

When it comes to buying adequate coverage for your vehicles, there is no "perfect" insurance plan. Every insured's situation is different and your policy should reflect that. For example, these questions might point out whether or not you will benefit from professional help.

Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the financial responsibility laws in Virginia?
Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Is there truth in advertising?

Car insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to have a common claim that you'll save big after switching to their company. How do they all make the same claim? This is how they do it.

All companies have a certain "appetite" for the driver that earns them a profit. For example, a desirable insured could be between the ages of 40 and 55, owns a home, and chooses high deductibles. Any new insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will have to pay higher rates and this can result in business going elsewhere. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can state the savings.

Because of the profiling, drivers should compare many company's rates. It's just too difficult to predict which company will give you the biggest savings.

Much more information about car insurance in Virginia can be found on the website for the Virginia Bureau of Insurance. Click here for link. Consumers can learn about insurance regulations, read consumer alerts, get help finding coverage, and report car insurance fraud.

Final considerations

Budget-conscious car insurance can be sourced from both online companies and also from your neighborhood West Point agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, never skimp on coverage in order to save money. In many cases, an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage for the lowest price.