Tightwads Guide to Saving on Grafton Auto Insurance

Are you tired of not being able to afford each month for car insurance? You're in the same situation as many other Virginia drivers.

Having so many companies to choose from, it can be impossible to choose the most cost effective provider.

Buying car insurance in Grafton is quite easy. Basically, every vehicle owner who has to buy auto insurance stands a good chance to be able to save money. Nevertheless, Virginia drivers do need to know how big insurance companies sell online and use this information to your advantage.

Take advantage of discounts

Companies offering auto insurance do not advertise every discount very well, so we break down both well-publicized as well as the least known discounts you could be receiving.

  • Claim Free - Claim-free drivers can save substantially when compared to frequent claim filers.
  • Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Multiple Cars - Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Club Memberships - Participating in a professional or civic organization may earn a discount when shopping for auto insurance.
  • Safety Course Discount - Completing a course in driver safety could save 5% or more depending on where you live.
  • Life Insurance Discount - Larger companies have a break if you buy a life insurance policy as well.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears it's possible to get free car insurance, companies don't profit that way.

For a list of insurance companies with discount auto insurance rates in Virginia, click here.

How to Compare Auto Insurance Costs in Grafton

There are several ways of comparing price quotes and find the best price. The recommended way to find the cheapest insurance rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

One of the best ways to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form eliminates the need for boring form submissions for every auto insurance company. Taking the time to complete one form gets you price quotes from all major companies.

A more difficult way to compare rate quotes requires a trip to the website of each company and fill out their own quote form. For instance, we'll pretend you want rates from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

To view a list of companies in Grafton, click here.

The most time-consuming way of getting rate comparisons is to spend time driving to local Grafton insurance agencies. Shopping for auto insurance online makes this process obsolete unless you require the professional guidance of a local Grafton agent. It is possible to compare online quotes and still use a local agent. We'll cover that shortly.

However you get your quotes, double check that you are using apples-to-apples quote information for every quote you compare. If you are comparing mixed coverages it's impossible to determine the best price in Grafton. Slightly different coverage limits can result in a big premium difference. It's important to know that comparing a large number of companies provides better odds of finding a better price.

The best insurance company isn't always the cheapest

Cost effective auto insurance can be sourced online as well as from independent agents in Grafton, so compare prices from both so you have a total pricing picture. Some insurance companies don't offer online quoting and these regional insurance providers work with independent agents.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your strategy should be to buy the best coverage you can find at a price you can afford while still protecting your assets.