Car Insurance in Beaverdam, VA - 6 Tips to Save Money

Beginners to buying insurance online may find purchasing affordable Beaverdam car insurance nearly impossible.

Don't pay full price with these six discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be inquired about prior to receiving the credit.

Multiple Vehicles - Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
Auto/Life Discount - Companies who offer life insurance give lower rates if you buy life insurance.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Driver Safety - Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
Student in College - Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut your premiums.

To see a list of insurers who offer car insurance discounts in Beaverdam, click this link.

Automobile Insurance Quotes in Beaverdam, VA

Effectively comparing car insurance prices can take time and effort if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Beaverdam, or you could save time and use online quoting to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace that enables customers to enter their coverage request one time, and each company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose which carriers you want pricing from. If you would rather choose from a list of companies to request quotes from, we put together a list of car insurance companies in Virginia. Click to view list.

It's up to you how you get prices quotes, just make absolute certain that you use the exact same information for every quote you compare. If you use higher or lower deductibles it will be impossible to determine the best price in Beaverdam. Having just a slight variation in coverages can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies will enable you to find the best price.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's needs are different.

Here are some questions about coverages that might point out whether or not you will benefit from professional help.

Am I covered when driving on a suspended license?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Do I need special endorsements for business use of my vehicle?
Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Beaverdam?
Does my liability insurance cover pulling a trailer or camper?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

The car insurance bait and switch

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies make the same claim about savings after switching your coverage to them. How do they all make the same claim?

Insurance companies have a certain "appetite" for the type of customer that is profitable for them. An example of a profitable customer could be between the ages of 40 and 55, owns a home, and has great credit. Any new insured who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile must pay higher prices which leads to business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save that much money. That is how companies can truthfully advertise the savings.

This illustrates why drivers must get as many quotes as possible. It's just too difficult to predict which company will fit your personal profile best.

Do the work, save more money

Cheaper car insurance can be purchased from both online companies as well as from independent agents in Beaverdam, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don't offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, never reduce coverage to reduce premium. In too many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

You just learned some good ideas how to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced car insurance comes from a small local company.

For more Virginia car insurance information

Additional information is available on the Virginia Bureau of Insurance website located here. Consumers can report car insurance fraud, find out industry alerts, and file complaints about an insurance agent or broker.