Finding Low-Cost Bridgewater Auto Insurance

I can't think of anyone who enjoys paying for auto insurance, in particular when the price is too high. Because you have many auto insurance companies to choose from, it can be hard to locate the most affordable car insurance company.

Finding affordable coverage in Bridgewater is quite easy. If you are paying for car insurance now, you will be able to save some money using this information. Virginia drivers only need an understanding of the most efficient way to compare company rates over the internet.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise all available discounts very well, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If you don't get every credit you qualify for, you are throwing money away.

  • Driver Safety - Taking part in a course in driver safety can save you 5% or more if you qualify.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Auto/Home Discount - If you have multiple policies with one company you may earn approximately 10% to 15%.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Clubs and Organizations - Participating in a professional or civic organization may earn a discount when buying auto insurance.
  • Seat Belt Usage - Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.

It's important to understand that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn't quite work that way.

auto insurance in Bridgewater

Why some people pay less for insurance in Bridgewater

Smart consumers have a good feel for the factors that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in big savings.

The following are some of the factors companies use to determine premiums.

  • Do you need the policy add-ons? - There are a ton of additional coverages that you can get tricked into buying on your auto insurance policy. Things like vanishing deductibles, accidental death and motor club memberships are some examples. They may seem good when talking to your agent, but if you don't need them remove them from your policy.
  • Traffic violations increase rates - Only having one speeding ticket can increase rates twenty percent or more. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • More people means more accidents - Living in less populated areas is a positive aspect when insuring your vehicles. Urban drivers tend to have more traffic problems and a longer drive to work. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • Your credit rating is important - A driver's credit history is a huge factor in determining your rates. If your credit history is not that good, you could potentially save money when insuring your by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit scores.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Every insured's situation is different and your policy should reflect that. For example, these questions may help highlight whether or not you might need an agent's assistance.

  • Should I have combined single limit or split liability limits?
  • Should I buy only the required Virginia minimum liability coverage?
  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can't answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It's fast, doesn't cost anything and may give you better protection.

Is there truth in advertising?

Virginia consumers get pounded daily by advertisements for cheaper car insurance by companies like 21st Century, Allstate and State Farm. All the companies have a common claim of big savings after switching to them.

But how can every company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that earns them a profit. An example of a profitable customer could possibly be between the ages of 30 and 50, a clean driving record, and has a short commute. A driver that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile must pay higher rates and this can result in the driver buying from a lower-cost company. The ad wording is "drivers who switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently make the claims of big savings. This illustrates why drivers should get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.

Additional Virginia consumer information

More tips and info about auto insurance is available at the Virginia Bureau of Insurance website. Virginia consumers can discover disciplinary actions, file complaints about a company, view agent and company licensing information, and find out industry alerts.

Also read more on this resource for Virginia auto insurance prices and this link which helps you find a Bridgewater agent.

Virginia auto insurance

And the best car insurance company is...

Low-cost auto insurance can be purchased online and with local Bridgewater insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

In this article, we presented a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from a lesser-known regional company. Regional companies can often provide lower rates in certain areas compared to the large companies like .

As you shop your coverage around, don't be tempted to skimp on coverage in order to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.