10 Ways to Save on Car Insurance in Big Stone Gap, VA

Nobody I know looks forward to paying for car insurance, especially when their premiums are through the roof. Companies like State Farm, Allstate, GEICO and Progressive persitently shower you with fancy advertisements and it can be hard to sift through the bull and take the time to shop coverage around.

These ten discounts can lower your rates

Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. Most are applied at the time of purchase, but lesser-known reductions have to be asked about prior to receiving the credit. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Homeowners Savings - Owning a home in Big Stone Gap may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • 55 and Retired - Older drivers may be able to get a discount up to 10%.
  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • Auto/Home Discount - When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Federal Employees - Simply working for the federal government may qualify you for a discount depending on your company.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Drivers Ed for Students - Require your teen driver to enroll in driver's education if it's offered in school.
  • Student in College - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.

Keep in mind that most credits do not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn't work that way. But any discount will reduce the cost of coverage.

For a list of insurers who offer car insurance discounts in Big Stone Gap, follow this link.

Vehicle Insurance Comparison

Most major insurance companies allow you to get insurance quotes on the web. Getting quotes doesn't take much effort as you just enter your personal and coverage information as detailed in the form. Once entered, their rating system will obtain your credit score and driving record and returns pricing information. Online quotes makes it a lot easier to compare rates but the time it takes to visit a lot of sites and type in the same information is monotonous and tiresome. But it's very important to compare as many rates as possible in order to find better car insurance pricing.

A more efficient way to compare rates is to use a quote form to get prices from multiple companies. The form is fast, reduces the work, and makes rate comparisons much more efficient. Immediately after you send the form, it is rated and you can select your choice of the quotes that you receive.

If a lower price is quoted, you simply finish the application and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you complete the form with the limits and deductibles as shown on your current policy. This helps ensure you will have a fair comparison based on identical coverages.

Different people need different coverages

When it comes to choosing adequate coverage for your vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For instance, these questions may help highlight whether you could use an agent's help.

  • When do I need to add a new car to my policy?
  • Do I need to file an SR-22 for a DUI in Virginia?
  • Should I buy additional glass protection?
  • Am I covered when pulling a rental trailer?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It's fast, free and can help protect your family.

Best coverage at the best price

Affordable car insurance can be bought from both online companies in addition to many Big Stone Gap insurance agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

You just learned a lot of tips how to get a better price on car insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the lowest premiums are with the least-expected company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as .

As you go through the steps to switch your coverage, it's not a good idea to sacrifice coverage to reduce premiums. In too many instances, someone dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.