Car Insurance in Bon Air Virginia - 6 Tricks to Save Money

Finding affordable Bon Air car insurance online is problematic for beginners to buying insurance on the web. With a ridiculous number of companies competing online, how can you have a chance to compare every one to find the best available rates?

Low Cost Bon Air Car Insurance

Most companies like Progressive, Allstate and GEICO provide coverage price quotes on their websites. Getting quotes doesn't take a lot of time as you simply type in your coverage information as detailed in the form. When the form is submitted, their rating system will obtain reports for credit and driving violations and returns pricing information based on many factors.

Quoting online makes it a lot easier to compare rates but the time it takes to visit several different sites and type in the same information is monotonous and tiresome. But it's very important to get many rate quotes if you want to find the best price on car insurance.

A quicker way to locate the lowest prices is to use a quote form to obtain quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much more efficient. Immediately after you send the form, it gets priced and you can select any one of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you input your coverages identical to your current policy. This ensures you will have rate comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Most are applied when you get a quote, but some may not be applied and must be asked about before you will receive the discount.

  • Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Distant Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.
  • Accident Waiver - Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Payment Method - By paying your policy upfront instead of paying each month you could save 5% or more.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So when it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

To see a list of insurance companies who offer car insurance discounts in Virginia, click here.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Every insured's situation is different.

For instance, these questions may help you determine whether you could use an agent's help.

  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the financial responsibility laws in Virginia?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When does my teenage driver need to be added to my policy?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

More sites with car insurance information

Additional information can be read on the Virginia Bureau of Insurance website. Click here for link. Consumers can read industry bulletins, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.