Top Ways to Save on Dillwyn Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are a lot of people in Dillwyn just like you who feel imprisoned by their auto insurance policy. Multiple compete for your insurance dollar, so it can be very hard to choose a and uncover the absolute lowest rate

It's important to take a look at other company's rates at least once a year because prices are constantly changing. If you had the lowest price six months ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about auto insurance online but I'm going to show you some great ways to save money.

Save big with these discounts

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but a few must be requested specifically in order for you to get them. If they aren't giving you every credit possible, you're paying more than you need to.

Save over 55 - Mature drivers can possibly qualify for better auto insurance rates.
Service Members Pay Less - Having a family member in the military can result in better rates.
No Accidents - Drivers with accident-free driving histories pay much less as compared to bad drivers.
Drive Less and Save - Keeping the miles down could be rewarded with better rates on cars that stay parked.
More Vehicles More Savings - Insuring multiple cars or trucks on the same auto insurance policy qualifies for this discount.
College Student - Any of your kids who are attending college without a vehicle on campus may qualify for this discount.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will cut your overall premium however.

To see a list of companies with the best auto insurance discounts in Dillwyn, click this link.

Comprehensive Dillwyn Auto Insurance Comparison Quotes

Finding cheaper auto insurance prices can be quick and easy. You just have to take the time comparing rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The best way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form saves time by eliminating boring form submissions for each company you want a rate for. Completing one form gets you coverage quotes from all major companies.
A more difficult way to get quotes online consists of going to each company's website to complete a price quote. For example, let's assume you want to compare rates from , and . To get each rate you have to visit each site to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Dillwyn, click here.

It doesn't matter which method you choose, just compare the exact same coverages for every company. If you compare different limits and deductibles on each one you will not be able to decipher which rate is best in Dillwyn.

Dillwyn Rates are Influenced by These Factors

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Men fork out a little more - Statistics demonstrate that men are more aggressive behind the wheel. However, don't assume that men are worse drivers. Both sexes tend to get into accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.
High crash test scores lower rates - Vehicles with high crash test scores tend to have better insurance rates. These vehicles reduce injuries and lower injury rates means lower claim amounts and lower rates for you.
Rates may be higher depending on your occupation - Jobs such as judges, executives and accountants tend to have higher rates than average in part from high stress levels and long work days. On the flip side, professions such as actors, athletes and the unemployed receive lower rates.
Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage from fire, and windstorm damage. Physical damage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Mature drivers pay less - Older insureds are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers tend to be more careless when behind the wheel therefore auto insurance rates are much higher.
Being married can save on auto insurance - Having a wife or husband actually saves money on your auto insurance policy. It means you're more responsible it has been statistically shown that being married results in fewer claims.
Liability coverage is cheap - The liability section of your policy provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.

Auto insurance ads bend the truth

Virginia consumers can't get away from ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings if you move to their company.

How do they all make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the driver that is profitable for them. For instance, a desirable insured could possibly be a mature driver, has no tickets, and has a high credit rating. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will have to pay more money which leads to the driver buying from a lower-cost company. The ads say "drivers who switch" not "people who quote" save that much. That's the way companies can truthfully state the savings.

Because of the profiling, drivers must quote coverage with many companies. It's impossible to know which auto insurance company will have the lowest rates.

A tidy conclusion

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are many occasions where an insured dropped collision coverage and learned later that they should have had better coverage. Your aim should be to purchase plenty of coverage for the lowest price.

Cheaper auto insurance is definitely available online and also from your neighborhood Dillwyn agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Find out more about auto insurance

Additional information is located on the website for the Virginia Bureau of Insurance. Click here for link. Virginia consumers can learn about insurance regulations, find disaster information, read industry bulletins, and report car insurance fraud.