How to Find Cheap Catlett Auto Insurance

Are you intimidated by the number of auto insurance options in Catlett? Many other drivers are as well. You have so many options that it can turn into a real challenge to locate the lowest price.

Buying the cheapest auto insurance coverage in Catlett is simple if you know the tricks. If you are insured now or need a new policy, you can learn to get lower rates while maintaining coverages. Virginia vehicle owners just need to know the proper methods to compare prices online.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but you may find discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount. If you're not getting every credit possible, you are throwing money away.

  • Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Clubs and Organizations - Being a member of a qualifying organization could trigger savings when shopping for auto insurance.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Paperwork-free - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • No Charge for an Accident - Certain companies will forgive one accident before your rates go up if your claims history is clear for a certain period of time.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
  • Defensive Driving Course - Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Distant Student - Any of your kids who live away from home without a vehicle on campus can receive lower rates.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as comp or med pay. Even though it may seem like you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Virginia get pounded daily by advertisements that promise big savings by companies like Progressive, Allstate and GEICO. They all make the same claim that you'll save big if you move to them.

How does each company claim to save you money?

Different companies are able to cherry pick for the type of driver that earns them a profit. An example of a driver they prefer might be between 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards will be quoted higher premiums which leads to the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save money. That's the way companies can state the savings.

This emphasizes why you should get a wide range of price quotes. It's impossible to know which auto insurance company will have the lowest rates.

Much more information about auto insurance in Virginia is available on the Virginia Bureau of Insurance website located here. Visitors are able to read industry bulletins, find out which companies have the most complaints, and view a list of available companies.

Best coverage at the best price

Insureds who switch companies do it for a number of reasons such as high rates after DUI convictions, questionable increases in premium, unfair underwriting practices and even an unsatisfactory settlement offer. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.

Budget-conscious auto insurance is possible both online and with local Catlett insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.