Finding Cheap Chantilly Car Insurance

No one in their right mind cherishes buying car insurance, particularly when the cost is too high.

You have so many to buy insurance from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.

Don't pay full price with these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be specifically requested prior to getting the savings.

  • Driver Safety - Taking a defensive driving course can save you 5% or more if you qualify.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Student in College - Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Paperless Signup - Some insurance companies may give you up to $50 just for signing your application over the internet.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a discount up to 10%.

It's important to note that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you're out of luck. But any discount will bring down your premiums.

car insurance in Chantilly

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for the rating factors that help determine the rates you pay for car insurance. Knowing what influences your rates helps enable you to make changes that could result in better car insurance rates.

  • Do you need the policy add-ons? - There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Coverages for personal injury protection, accidental death and membership fees may be wasting your money. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • How many coverages with the same company - Many car insurance companies will award you with lower prices to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount, you still need to compare other company rates to confirm you are receiving the best rates possible.
  • Older drivers pay less - Youthful drivers in Virginia are known to get distracted easily behind the wheel so they pay higher car insurance rates. Adding a teenage driver onto your car insurance can really hurt. Older drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Discounts for married couples - Getting married can get you a discount on your car insurance policy. Having a spouse usually means you are more mature and it's proven that married couples file fewer claims.

Your personal situation dictates your coverage

When it comes to buying coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is a little different so this has to be addressed. Here are some questions about coverages that might point out whether or not you will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in Virginia?
  • Why does it cost so much to insure a teen driver in Chantilly?
  • Does medical payments coverage apply to all occupants?
  • Should I buy additional glass protection?
  • Is rental equipment covered for theft or damage?
  • Is my nanny covered when driving my vehicle?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

The car insurance bait and switch

21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make the same claim that you can save after switching your policy. How does each company claim to save you money?

Different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a profitable customer might be between the ages of 40 and 55, owns a home, and has excellent credit. Any driver who matches those parameters will get very good rates and therefore will save when switching.

Potential customers who don't measure up to these standards must pay a more expensive rate which leads to the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That is how insurance companies can make those claims.

This illustrates why drivers should get as many comparisons as possible. You cannot predict which company will have the lowest rates.

More information can be read on the website for the Virginia Bureau of Insurance located here. Visitors are able to discover disciplinary actions, read consumer alerts, read enforcement actions against agents and companies, and get help finding coverage.

Chantilly car insurance quote

Do the work, save more money

Lower-priced car insurance can be bought both online in addition to many Chantilly insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

While you're price shopping online, never skimp on coverage in order to save money. There are a lot of situations where an insured cut full coverage and found out when filing a claim they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.