Car Insurance in Hartfield - 10 Discounts You Might be Missing

Having to pay for overpriced car insurance can dwindle your personal savings and make it hard to pay other bills. Comparison shopping is a great way to make sure you're not throwing money away. Consumers have many to buy insurance from, and although it's nice to have a choice, it can be more difficult to compare rates.

It's important to compare rates yearly since rates are constantly changing. Even if you got the best price two years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the only way to find better coverage at a better price.

Pricing affordable coverage in Hartfield is quite easy. If you have insurance now or need a new policy, you can use these techniques to find better prices while maintaining coverages. Virginia consumers only need to know the tricks to buy car insurance online.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but there could be available discounts that many people don't even know exist. Some discounts apply automatically at the time of quoting, but less common discounts must be specially asked for before you will receive the discount. If you're not getting every credit you deserve, you're just leaving money on the table.

Accident Waiver - Certain companies permit an accident without raising rates as long as you don't have any claims prior to the accident.
Bundle and Save - When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
College Student - Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Air Bag Discount - Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Multi-car Discount - Buying coverage for more than one vehicle on one policy could earn a price break for each car.
Good Student Discount - Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
Own a Home - Owning a house in Hartfield can save you money because owning a home is proof that your finances are in order.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

For a list of companies offering car insurance discounts in Virginia, click here.

Where Can I Get Cheap Hartfield Car Insurance?

Most major insurance companies like State Farm, GEICO and Progressive provide prices online. Getting quotes is quite easy as you just type in your required coverages as detailed in the form. Once entered, the system will obtain information on your driving record and credit history and returns a price based on these and other factors. Being able to quote online simplifies rate comparisons, but having to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible if you want to find the best price on car insurance.

Quote rates the easy way

A more efficient way to compare car insurance pricing is to use a quote form that gets price quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes comparison shopping a little more enjoyable. As soon as the form is sent, it gets priced and you can choose any one of the quotes that you receive.

If the quotes result in lower rates, it's easy to complete the application and buy the policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter the coverages as close as possible to your current policy. This helps ensure you are getting rate quotes based on identical coverages.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different and your policy should reflect that. For instance, these questions can help discover whether you may require specific advice.

I have good health insurance, so how much medical payments coverage do I need?
What is the difference between comprehensive and collision coverage?
Do I need PIP (personal injury protection) coverage in Virginia?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

In the end, you save

The cheapest car insurance can be found both online and also from your neighborhood Hartfield agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, it's very important that you do not sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at an affordable rate.

We just covered a lot of ways to get a better price on car insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from an unexpected company. These companies may cover specific market segments cheaper than the large multi-state companies such as .