How to Get Low-Cost Colonial Beach Car Insurance

Finding affordable Colonial Beach car insurance online may be rather challenging for consumers new to comparing rates online. Because there are so many companies competing online, how can consumers possibly compare the different rates to find the best pricing?

It's important to price shop coverage on a regular basis because rates are constantly changing. Even if you got the lowest price on your last policy you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to learn the tricks you need to know to reduce your cost while improving coverage.

Shopping for affordable protection in Colonial Beach is easy if you know what you're doing. Basically, anyone who is required by state law to have car insurance will be able to reduce their rates. But Virginia car owners do need to know the way insurance companies price insurance differently because it can help you find the best coverage.

Take advantage of discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be inquired about before being credited.

  • Life Insurance Discount - Select insurance companies reward you with a break if you buy life insurance.
  • Accident Waiver - Some insurance companies will forgive one accident before your rates go up as long as you don't have any claims for a set time period.
  • Bundle and Save - If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Passive Restraint Discount - Factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
  • Government Employees - Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, companies don't profit that way. But all discounts will help reduce your overall premium however.

Virginia car insurance quotes

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to have a common claim that you'll save big after switching your policy. But how can every company make the same claim?

Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a desirable insured could be a mature driver, insures multiple vehicles, and has great credit. A customer that hits that "sweet spot" will qualify for the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher prices and this can result in business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that kind of money. This is how companies can advertise the savings.

Because of the profiling, you should get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.

For more Virginia car insurance information

Much more information about car insurance in Virginia is located on the Virginia Bureau of Insurance website located here. Consumers can file complaints about an insurance agent or broker, get help finding coverage, and view agent and company licensing information.

Also read more on Wikipedia and this page where you can research Colonial Beach insurance agents.

Shop smart and save

When you buy insurance online, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at a price you can afford.

Discount car insurance can be purchased from both online companies in addition to many Colonial Beach insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just showed you a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with some of the lesser-known companies.