How to Know You're Throwing Money Away for Car Insurance in Chase City

Have you had enough of being strong-armed each month for car insurance? You're in the same situation as the majority of other car owners in Virginia.

Because you have many companies and agents to choose from, it's nearly impossible to choose the most cost effective insurance company.

It's important to price shop coverage before your policy renews because rates are constantly changing. Just because you found the best price last year there may be better deals available now. Block out anything you think you know about car insurance because you're about to learn the quickest way to properly buy coverages while reducing your premium.

Chase City car insurance comparison

More discounts equal less premium

Companies that sell car insurance don't always advertise all their discounts very well, so we took the time to find some of the more common and also the lesser-known car insurance savings.

  • 55 and Retired - Older drivers may receive a discount up to 10%.
  • No Claims - Claim-free drivers can save substantially as compared to frequent claim filers.
  • Multiple Cars - Having all your vehicles on one policy can get a discount on all vehicles.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Passive Restraints - Factory air bags can receive discounts of 20% or more.
  • Driver's Ed - Require your teen driver to complete a driver education course if offered at their school.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous.

For a list of companies with discount car insurance rates in Virginia, follow this link.

How to Compare Chase City Car Insurance Rates

Most major insurance companies provide coverage price quotes directly from their websites. The process doesn't take a lot of time as you just type in into the quote form. Once entered, their rating system will obtain credit information and your driving record and returns a price quote. This makes it a lot easier to compare rates but the time required to go to different websites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

A more efficient way to lower your car insurance bill utilizes a single form that gets price quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes price shopping online much more enjoyable. After sending your information, it gets priced with multiple companies and you can pick any or none of the quotes that you receive. If you find a better price you can simply submit the application and purchase the new policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

If you want to find out how much you're overpaying now, click here and begin entering your coverage information. If you currently have coverage, we recommend you duplicate the limits and deductibles identical to your current policy. This helps ensure you will get a price comparison based on identical coverages.

Shop smart and save

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best price.

Cheap car insurance can be sourced from both online companies in addition to many Chase City insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not provide online quoting and most of the time these regional insurance providers sell through independent agents.