7 Discounts Clifton Forge Consumers Forget when Quoting Car Insurance

Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as the majority of other car owners in Virginia. Insurance companies such as GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to get comparison quotes once or twice a year since rates are constantly changing. If you had the best price last year the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you're about to find out one of the easiest ways to reduce your cost while improving coverage.

More discounts equal less premium

Insuring your vehicles can cost a lot, but companies offer discounts to help offset the cost. A few discounts will automatically apply when you purchase, but less common discounts must be asked for before being credited. If you aren't receiving every discount available, you're paying more than you need to.

  • Homeowners Pay Less - Owning a house in Clifton Forge may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • College Student - Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • One Accident Forgiven - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Bundle and Save - When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.

It's important to note that most discount credits are not given to the entire cost. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you're out of luck. But any discount will reduce your premiums.

To see a list of companies with the best car insurance discounts in Clifton Forge, click this link.

How to Compare Car Insurance Costs in Clifton Forge

Most companies allow you to get insurance quotes on their websites. Getting quotes doesn't take much effort as you just type in the amount of coverage you want into the quote form. Once you submit the form, their rating system will obtain your credit score and driving record and quotes a price determined by many factors. Online quotes makes it a lot easier to compare rates but having to visit different websites and complete many quote forms gets old quite quickly. Unfortunately, it is important to do this in order to find a lower rate.

There is a better way!

The preferred way to find cheaper rates is to use a quote form that gets price quotes from more than one company. It's a real time-saver, reduces the work, and makes online price comparison a lot less work. Immediately after submitting the form, it is rated and you are able to buy your choice of the price quotes you receive.

If a lower price is quoted, it's easy to complete the application and purchase the new policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To find out how much you're overpaying now, click here and submit the form. If you currently have coverage, we recommend you type in the coverage information exactly as shown on your declarations page. This makes sure you're receiving an apples-to-apples comparison based on the exact same insurance coverage.

Switch companies and save? Really?

Consumers can't get away from ads for the lowest price auto insurance from companies such as State Farm, GEICO and Progressive. They all seem to make the same claim that you can save if you move your policy.

How can each company make the same claim?

Insurance companies can use profiling for the right customer that is profitable for them. For example, a desirable insured could be between 30 and 50, has no tickets, and drives newer vehicles. Any new insured who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Consumers who do not match the requirements will have to pay higher prices which leads to business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That's why insurance companies can claim big savings.

Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

A tidy conclusion

Lower-priced car insurance is possible from both online companies in addition to many Clifton Forge insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it's a bad idea to reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage only to discover later that it was a big mistake. Your aim should be to purchase plenty of coverage at a price you can afford.

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More Virginia car insurance information

More information can be found on the website for the Virginia Bureau of Insurance located here. Consumers can get help finding coverage, download brochures, read consumer alerts, and read enforcement actions against agents and companies.