Car Insurance in Gloucester Virginia - 6 Discounts You Might be Unaware of

Are you intimidated by the sheer number of car insurance options in Gloucester? Many other drivers are as well. There are so many companies to choose from that it can turn into a big hassle to find the best price.

Comprehensive Gloucester Car Insurance Comparison

There are several ways to compare car insurance prices but there is one way that is more efficient than others. You can spend your afternoon talking to insurance agencies in Gloucester, or you could use online quoting to quickly compare rates.

Most of the larger companies participate in a marketplace that allows shoppers to send in one quote, and at least one company returns a competitive quote for coverage. This system prevents you from having to do form submissions to each individual car insurance company. To submit your quote information now, click here to open in new window.

The only drawback to getting quotes like this is you are unable to specify which providers to get quotes from. If you prefer to choose specific providers to compare rates, we have assembled a list of companies who write car insurance in Virginia. Click here for list of insurance companies in Virginia.

It's up to you how you get prices quotes, just ensure you are comparing identical coverage limits and deductibles for each comparison quote. If you use different liability limits you can't possibly determine the lowest rate in Gloucester. Having just a slight variation in limits could mean much higher rates. Just remember that having more price comparisons helps locate the best rates.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be manually applied before being credited.

  • No Claims - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
  • Multi-car Discount - Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.
  • Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Distant Student - Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Save with a New Car - Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Payment Discounts - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.

It's important to note that most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, you're out of luck. But any discount will bring down the amount you have to pay.

To choose insurance companies offering car insurance discounts in Virginia, click this link.

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make the same claim that you can save if you switch your policy. How does each company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the right customer that makes them money. For example, a driver they prefer might be a mature driver, has no driving citations, and has a short commute. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will be quoted higher prices which leads to the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can make the claims of big savings.

This emphasizes why you need to get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.

More information can be found on the Virginia Bureau of Insurance website found here. Visitors are able to read industry bulletins, report car insurance fraud, and read consumer alerts.

Affordable insurance is out there

Insureds switch companies for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, policy cancellation or even not issuing a premium refund. Regardless of your reason, finding a new car insurance company is easier than you think.

Lower-priced car insurance can be found both online in addition to many Gloucester insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and these regional insurance providers work with independent agents.

As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.