Gainesville Car Insurance For Less Than You're Paying Now

Searching for the lowest cost Gainesville car insurance on the internet can be rather challenging for beginners to buying insurance on the web. Because there are so many insurance companies available, how can you even start to compare every one to find the lowest price?

It's important to do rate comparisons quite often because rates are constantly changing. If you had the best deal two years ago you will most likely find a better rate today. So ignore everything you know about car insurance because you're going to learn the only way to remove unneeded coverages and save money.

Policy discounts you shouldn't miss

Companies don't always advertise every available discount in an easy-to-find place, so here is a list some of the more common and the harder-to-find car insurance savings.

Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
55 and Retired - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
Defensive Driving Course - Taking a driver safety course could cut 5% off your bill if you qualify.
Sign Early and Save - Select companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.

It's important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, you're out of luck.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured's situation is different.

For example, these questions may help you determine whether your personal situation might need professional guidance.

Do I need PIP (personal injury protection) coverage in Virginia?
Should I buy additional glass protection?
Is rental equipment covered for theft or damage?
Should I have combined single limit or split liability limits?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
I have good health insurance, so how much medical payments coverage do I need?
Who is covered when they drive my vehicle?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don't have a local agent, complete this form.

Save $429 a year? Really?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads say the same thing that you can save if you move to them. How do they all make the same claim? This is how they do it.

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a preferred risk could be between 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer who fits that profile will get very good rates and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will be charged higher prices which usually ends up with business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save money. This is how insurance companies can state the savings. That is why you should get a wide range of price quotes. Because you never know which insurance companies will give you the biggest savings.

Additional detailed information is available at the Virginia Bureau of Insurance website. Consumers can read consumer alerts, learn about insurance regulations, and view a list of available companies.

Final considerations

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Consumers who switch companies do it for any number of reasons including policy cancellation, denial of a claim, extreme rates for teen drivers and even questionable increases in premium. No matter why you want to switch, switching car insurance companies is less work than it seems.

We just showed you many ways to reduce car insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a lesser-known regional company.