Tightwads Tips for Saving on Ceres Car Insurance

Paying for high-priced car insurance can take a big chunk out of your bank account and put the squeeze on your family's finances. Comparison shopping is a great way to lower your monthly bill. Drivers have multiple to pick from, and though it is a good thing to have a choice, it can be more challenging to compare rates.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but some must be asked for before they will apply. If you're not getting every credit you deserve, you're just leaving money on the table.

Government Employees - Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.
Multiple Cars - Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
Distant Student - Youth drivers who live away from home and don't have a car can be insured at a reduced rate.
Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Safety Course Discount - Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.

A little note about advertised discounts, some credits don't apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

For a list of insurance companies with discount car insurance rates in Virginia, click here.

Where Can I Get Cheap Ceres Car Insurance?

Most major insurance companies like Progressive, Allstate and GEICO provide coverage prices on their websites. Obtaining pricing is quite simple as you simply type in your required coverages as detailed in the form. Once entered, the system will obtain your driving record and credit report and generates a price based on many factors. This helps simplify price comparisons, but the time required to go to multiple sites and complete many quote forms can get tiresome after awhile. But it's very important to compare as many rates as possible if you want to find better car insurance pricing.

Quote rates the easy way

A more efficient way to compare car insurance pricing makes use of a single form to obtain quotes from many companies. The form is fast, requires less work, and makes price shopping online much simpler. Immediately after submitting the form, it gets priced with multiple companies and you can pick any one of the quotes that you receive.

If you find a better price you can simply submit the application and buy the policy. The whole process only takes a few minutes and you will find out if you're overpaying now.

In order to find out what other companies charge, click here to open in new window and input your coverage information. If you have a policy now, it's recommended you input the coverages as close as possible to your current policy. This helps ensure you will get a rate comparison based on identical coverages.

Different people need different coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Every situation is different and your policy should reflect that. For instance, these questions can help discover whether you will benefit from professional help.

Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Am I covered when driving on a suspended license?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Ceres?
Does my policy cover me when driving someone else's vehicle?
Does my personal auto insurance policy cover using my vehicle for business use?

If you can't answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

Best coverage at the best price

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

Cheaper car insurance can be sourced both online and also from your neighborhood Ceres agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide online quoting and these smaller companies work with independent agents.