8 Tricks to Save on Car Insurance in Culpeper

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, there are lots of people in the same boat.

Online insurance companies like GEICO and Progressive continually hit you with advertising 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 at least once a year since rates are constantly changing. Despite the fact that you may have had the best price last year there may be better deals available now. Ignore everything you know about car insurance because you're about to find out one of the best ways to get good coverage at a lower rate.

Virginia car insurance

These eight discounts can lower your rates

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but a few need to be asked for prior to receiving the credit.

  • Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Senior Citizens - Older drivers may be able to get a discount up to 10%.
  • Federal Government Employee - Simply working for the federal government can save as much as 8% with certain companies.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • E-sign - Certain companies may give you up to $50 for buying your policy digitally online.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will reduce the cost of coverage.

For a list of providers who offer car insurance discounts in Culpeper, follow this link.

How to Compare Culpeper Car Insurance Costs

Most major insurance companies provide coverage price quotes online. Getting quotes doesn't take a lot of time as you simply enter the coverage amounts you desire as detailed in the form. Once entered, the system will obtain your credit score and driving record and provides a quote based on many factors. Online quotes makes it a lot easier to compare rates but the work required to visit many different websites and complete many quote forms gets old quite quickly. But it's very important to get many rate quotes if you want to find better car insurance pricing.

Quote rates the easy way

A more efficient way to find better car insurance pricing is to use a quote form that analyzes rates from multiple companies. The form is fast, reduces the work, and makes online price comparison much easier. Immediately after submitting the form, it gets priced and you can select your choice of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To find out what other companies charge, click here to open in new window and submit the form. If you currently have coverage, we recommend you input coverages and limits identical to your current policy. This helps ensure you're receiving a fair comparison based on identical coverages.

Final considerations

We just covered many ways to get a better price on car insurance. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the best prices are with a small local company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as .

Cheap car insurance can be bought both online in addition to many Culpeper insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

When trying to cut insurance costs, it's a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.