New Techniques for Cutting Costs on on Radford Virginia Auto Insurance
Have you had enough of being strong-armed to buy car insurance? You’re in the same situation as many other Virginia consumers. Since consumers have many options when it comes to auto insurance, it’s nearly impossible to find the lowest cost insurance company.
Do you qualify for a discount?
Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Most are applied when you complete an application, but less common discounts must be asked about before being credited. If they aren’t giving you every credit possible, you’re paying more than you need to.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
- Good Students Pay Less – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
- Pay Upfront and Save – By paying your policy upfront rather than paying monthly you may reduce your total bill.
- Low Mileage Discounts – Driving fewer miles could qualify for a substantially lower rate.
- Driver Safety – Taking a defensive driving course could save 5% or more depending on where you live.
- No Claims – Good drivers with no accidents can earn big discounts when compared to bad drivers.
- Student Driver Training – Require your teen driver to take driver’s ed class in school.
- Homeowners Savings – Owning a home in Radford can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
- Use Seat Belts – Requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
Keep in mind that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck. But any discount will cut your overall premium however.
To choose providers offering auto insurance discounts in Radford, click here to view.
To learn even more about auto insurance
Much more information about auto insurance in Virginia is available on the website for the Virginia Bureau of Insurance found here. Virginia drivers can download brochures, discover disciplinary actions, and report car insurance fraud.
Also read more on NAIC.org’s Understanding your Policy and CarInsuranceDIY.com.
Best coverage at the best price
As you shop your coverage around, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at the best price.
Discount auto insurance can be sourced online as well as from independent agents in Radford, so compare prices from both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.