Quote Buena Vista Auto Insurance Prices With These Tricks

Saving money on Buena Vista auto insurance is nearly impossible for consumers not familiar with buying insurance online. There are so many options available that it can turn into more work than you anticipated to find the best price in Buena Vista.

It's important to shop coverage around once or twice a year because prices are constantly changing. Even if you got the best deal on your last policy you can probably find a better price now. So just forget all the misinformation about auto insurance because you're going to get a crash course in the only way to find better rates and still maintain coverage.

Tips to Get Lower Buena Vista Rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with big savings.

Listed below are some of the factors used by your company to calculate rates.

  • Lower miles equals lower premium - The more miles you rack up on your car every year the more you will pay for auto insurance. Almost all companies apply a rate based on their usage. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance policy is rated on how each vehicle is driven, because it can save money.
  • Save money with special equipment - Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
  • More than one policy can earn a discount - Most insurers will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even with this discount, it's in your best interest to comparison shop to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
  • Your job and insurance rates - Did you know that where you work can have an impact on rates? Jobs such as doctors, business owners and dentists have the highest average rates in part from high stress and lots of time spent at work. Other professions such as farmers, historians and homemakers get better rates.
  • Do you have enough liability coverage? - Liability insurance will protect you if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Extra coverages can waste money - There are many extra bells and whistles that you can buy on your auto insurance policy. Insurance for roadside assistance, towing coverage and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Pay less after the wedding - Being married can actually save you money on your policy. It translates into being more mature it has been statistically shown that drivers who are married are more cautious.

Virginia auto insurance quotes

Save big with these discounts

Car insurance companies don't always list all their discounts in a way that's easy to find, so here is a list both well-publicized and the harder-to-find savings tricks you should be using.

  • Discount for New Cars - Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Lower Rates for Military - Being on active duty in the military could mean lower rates.
  • Bundle and Save - If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Claim Free - Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Organization Discounts - Participating in a civic or occupational organization is a good way to get lower rates on auto insurance.

Keep in mind that most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way.

To choose companies offering auto insurance discounts in Buena Vista, click here to view.

Auto insurance ads bend the truth

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to make an identical promise that you can save if you switch your coverage to them. How can each company make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of customer that makes them money. An example of a desirable insured could possibly be a mature driver, has no tickets, and has great credit. A customer getting a price quote who meets those qualifications will get the preferred rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will have to pay more money and ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" not "people who quote" save that much money. That's why insurance companies can advertise the savings. Because of the profiling, you should get as many comparisons as possible. It's impossible to know the company that will fit your personal profile best.

More Virginia auto insurance information

Additional detailed information is available at the Virginia Bureau of Insurance website. Virginia consumers can file complaints about an insurance agent or broker, view a list of available companies, and read consumer alerts.

compare Buena Vista auto insurance rates

Final considerations

When you buy insurance online, it's a bad idea to buy poor coverage just to save money. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest price.

People switch companies for any number of reasons including delays in paying claims, unfair underwriting practices, policy non-renewal or even high rates after DUI convictions. Whatever your reason, switching auto insurance companies is easier than you think.

Affordable auto insurance can be found online as well as from independent agents in Buena Vista, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and most of the time these smaller companies sell through independent agents.