Free Guide to Paying Less for Chilhowie Car Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many Chilhowie consumers feeling the pinch from expensive car insurance.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage every six months because rates are constantly changing. Even if you got the best deal six months ago you will most likely find a better rate today. So block out anything you think you know about car insurance because you're going to learn the only way to lower your annual insurance bill.

How much can you save with discounts?

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Sign Online - Certain companies will give a small break for buying your policy digitally online.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Anti-theft Discount - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Military Discounts - Being deployed with a military unit could mean lower rates.
  • Air Bag Discount - Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

A little note about advertised discounts, some credits don't apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, you won't be that lucky.

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

Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim about savings if you switch your policy. How can each company make the same claim?

All companies are able to cherry pick for the right customer that earns them a profit. An example of a desirable insured could be between 30 and 50, has no driving citations, and has a high credit rating. A customer that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will have to pay higher prices and this can result in business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully state the savings. Because of the profiling, you should get quotes from several different companies. Because you never know which car insurance company will have the lowest rates.

Even more information is available at the Virginia Bureau of Insurance website. Consumers can get help finding coverage, report car insurance fraud, read consumer alerts, and find disaster information.

Do the work, save more money

Cheaper car insurance can be found from both online companies in addition to many Chilhowie insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to buy enough coverage at an affordable rate.

We just showed you a lot of ways to reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best prices are with an unexpected company. Regional companies may cover specific market segments cheaper compared to the large companies like .