Proven Ways to Save on Goode Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say you're not alone. Big companies like GEICO and Progressive constantly blast consumers with ad campaigns and consumers find it hard to sift through the bull and find the best price available.

It's important to compare prices at least once a year because prices are constantly changing. If you had the best deal a few years ago a different company probably has better rates today. So just block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

If you are insured now or need a new policy, you can learn to find the best rates while maintaining coverages. Finding the best rates in Goode is quite easy. Virginia drivers only need an understanding of the most effective way to buy auto insurance online.

Are you getting all your discounts?

Companies don't list every available discount in a way that's easy to find, so here is a list both the well known and also the lesser-known auto insurance savings. If you aren't receiving every discount possible, you are throwing money away.

Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
Lower Rates for Military - Having a deployed family member can result in better rates.
Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
Claim Free - Drivers with accident-free driving histories can earn big discounts compared to drivers who are more careless.
E-sign - Some insurance companies may give you up to $50 simply for signing digitally online.
Homeowners Discount - Being a homeowner may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
Discount for Good Grades - Performing well in school can save 20 to 25%. The discount lasts up to age 25.

It's important to understand that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, it doesn't quite work that way.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get better auto insurance rates.

Cautious drivers pay less - Your driving record has a huge affect on how much you pay. Drivers who don't get tickets get better rates than people who have multiple driving citations. Just one citation can bump up the cost forty percent or more. Drivers who get severe violations such as DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
Higher safety ratings means cheaper insurance - Safer cars are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Don't let your coverage lapse - Driving your car without having proper coverage is against the law and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, getting caught without coverage can result in a steep fine or even jail time.
Rates may be higher depending on your occupation - Occupations like doctors, architects and dentists have the highest average rates due to job stress and long work hours. Other occupations such as actors, historians and the unemployed get better rates.
Marriage pays dividends - Being married actually saves money when buying auto insurance. Marriage translates into being more mature and responsible and statistics show being married results in fewer claims.
Adjust deductibles and save - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims would be collision with another vehicle, collision with an animal, and rolling your vehicle. Your deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The more money you have to pay, the less your auto insurance will be.
Small claims can cost you - If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance companies in Virginia provide cheaper rates to policyholders who do not file claims often. Car insurance is intended for the large, substantial claims.

How can State Farm and Allstate save drivers who switch?

Consumers in Virginia get pounded daily by advertisements that promise big savings from the likes of State Farm and Allstate. All the ads say the same thing of big savings if you move your coverage to them.

How can each company claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the type of customer that earns them a profit. An example of a preferred risk might be a mature driver, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will be charged more money which usually ends up with the customer not buying. The ads state "customers who switch" not "everybody who quotes" save that much money. That's the way insurance companies can confidently advertise the way they do. That is why drivers should compare many company's rates. It's impossible to know which auto insurance company will provide you with the cheapest rates.

More tips and info about auto insurance is available at the Virginia Bureau of Insurance website. Visitors are able to file complaints about a company, find disaster information, find a variety of consumer forms, and read industry bulletins.

In the end, you save

We covered many ways to reduce auto insurance prices online. The key concept to understand is the more you quote, the better chance you'll have of finding lower rates. Consumers may even find the best price on auto insurance is with a small mutual company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .

Low-cost auto insurance is definitely available both online as well as from independent agents in Goode, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.