Uncover the Secrets to Paying Less for Waynesboro Virginia Auto Insurance

Tired of paying out the nose to buy car insurance? You’re in the same situation as many other drivers in Virginia. You have so many insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more challenging to compare rates and cut insurance costs.

It’s important to shop coverage around yearly because rates are usually higher with each renewal. Just because you had the best deal a year ago you can probably find a better price now. Starting now, ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to lower your annual insurance bill.

Buying car insurance in Waynesboro is not rocket science. If you have a policy now or need new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Virginia drivers only need an understanding of the best way to get comparison rates on the web.

Lower rates by qualifying for discounts

Companies don’t always publicize all available discounts very clearly, so we break down some of the best known and the harder-to-find auto insurance savings. If you’re not getting every credit available, you are paying more than you should be.

• Senior Citizens – Older drivers may be able to get a small decrease in premiums.
• Employee of Federal Government – Employees or retirees of the government may qualify you for a discount depending on your company.
• Safe Drivers – Safe drivers may receive a discount up to 45% less than less cautious drivers.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• Claim Free – Drivers who don’t have accidents pay less compared to bad drivers.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

Keep in mind that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way.

Car insurance is unique, just like you

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether you may require specific advice.

• If my vehicle is totaled, can I afford another vehicle?
• Does my car insurance cover rental cars?
• Are split liability limits better than a combined single limit?
• Are there companies who specialize in insuring high-risk drivers?
• Is my teen driver covered when they drive my company car?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I pay less if my vehicle is kept in my garage?
• Is my vehicle covered for smoke damage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Is there truth in advertising?

Virginia drivers constantly see and hear ads that promise big savings from the likes of 21st Century, Allstate and State Farm. They all say the same thing of big savings if you move your coverage to them.

How does each company say the same thing? It’s all in the numbers.

Different companies are able to cherry pick for the right customer they prefer to insure. For instance, a preferred risk might be between 30 and 50, has no prior claims, and has a short commute. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Consumers who fall outside these standards will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save money. That is how companies can truthfully make the claims of big savings. This emphasizes why you should get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings.

Even more information is available at the Virginia Bureau of Insurance website. Consumers can find out industry alerts, read consumer alerts, and find out which companies have the most complaints.

More comparisons equals lower rates

You just read many ideas to shop for auto insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a smaller regional carrier. These companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

Cheap auto insurance can be purchased on the web in addition to many Waynesboro insurance agents, so compare prices from both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.