Tightwads Guide to Saving on White Stone Auto Insurance

Are you tired of being strong-armed each month for car insurance? You're in the same situation as many other drivers in Virginia.

With consumers having so many insurance companies to choose from, it's difficult to find the right car insurance company.

It's important to do rate comparisons once or twice a year because prices are constantly changing. Just because you had the lowest price a few years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to lower your rates without sacrificing coverage.

Why some people pay less for insurance in White Stone

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Are you male or female? - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that women are better drivers. Both sexes have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Young males are most likely to cause an accident and are penalized with high auto insurance rates.
  • Safer cars cost less to insure - Vehicles with high crash test scores are cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
  • What type of vehicle do you drive? - The make and model of the car you own makes a huge difference in determining your rates. The lowest rates are usually for small economy passenger vehicles, but the final cost of insurance is determined by many other factors.
  • Cautious drivers pay less - Your driving citation history has a big impact on rates. Good drivers have lower premiums than bad drivers. Just one speeding ticket can increase rates by twenty percent. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Discounts for multiple policies - Most companies will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to make sure you are getting the best deal. You may still be able to find better rates by splitting coverages up.
  • Low deductibles can be expensive - Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be a windshield shattered by a rock, damage from fire, or theft. Your deductibles are how much you are willing to pay in the event of a claim. The more you're willing to pay, the less your company will charge you for insurance.
  • Teen drivers pay high rates - Youthful drivers in Virginia are statistically proven to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.

White Stone auto insurance comparison

Comprehensive Auto Insurance Comparison in White Stone

Comparing auto insurance rates can take hours if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in White Stone, or you could save time and use online quoting for quick rates.

Most of the larger companies take part in a program that allows shoppers to submit one quote, and at least one company then gives them pricing for coverage. This eliminates the need for quotation requests for each company you want a rate for. To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is that consumers can't choose which providers to receive prices from. So if you want to select from a list of companies to request quotes from, we have assembled a list of auto insurance companies in Virginia. Click here for list of insurance companies in Virginia.

Which method you use is up to you, but double check that you are using apples-to-apples coverages and limits for each comparison quote. If you use different deductibles it's not possible to determine the lowest rate in White Stone. Just a small difference in limits can mean a large discrepancy in price. It's important to know that more quotes gives you a better chance of getting a lower rate.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. A few discounts will automatically apply when you purchase, but less common discounts must be manually applied before being credited.

  • Senior Citizens - If you're over the age of 55, you may qualify for reduced rates.
  • Military Rewards - Having a deployed family member could mean lower rates.
  • Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Good Students Pay Less - This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • One Accident Forgiven - Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.

It's important to note that most credits do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you're out of luck. But any discount will help reduce the amount you have to pay.

To choose companies offering auto insurance discounts in Virginia, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to say the same thing that you can save if you switch to them. But how can every company claim to save you money?

Insurance companies can use profiling for the type of driver that makes them money. For instance, a desirable insured might be between 30 and 50, has no tickets, and has a short commute. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. That's why insurance companies can make the claims of big savings.

Because of the profiling, you need to get as many comparisons as possible. It's impossible to know the company that will fit your personal profile best.

More information is located on the website for the Virginia Bureau of Insurance located here. Visitors are able to learn about insurance regulations, find disaster information, learn about specific coverages, and file complaints about a company.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in White Stone.

compare White Stone auto insurance rates

Shop smart and save

As you shop your coverage around, don't be tempted to reduce coverage to reduce premium. There are many occasions where an insured dropped 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 a price you can afford.

We covered a lot of information how to compare auto insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the best prices are with the least-expected company. These smaller insurers often have lower prices on specific markets compared to the large companies like .