Free Guide to Cutting Costs on Independence Auto Insurance Online

I can't think of anyone who looks forward to paying for auto insurance, especially knowing the price is too high.

Popular companies such as GEICO and Progressive all claim big savings with ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices occasionally since insurance rates are constantly changing. Even if you got the best deal six months ago you may be paying too much now. Starting now, forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

If you have car insurance now, you will most likely be able to save some money using this strategy. Finding the best rates in Independence is quite easy. Nevertheless, Virginia vehicle owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.

Automobile Insurance Quotes in Independence, VA

Most major insurance companies quote coverage prices online. Getting online quotes is quite simple as you just type in your coverage preferences as detailed in the form. Behind the scenes, their system will obtain information on your driving record and credit history and generates a price based on these and other factors. Online quotes helps simplify price comparisons, but the time required to go to several different sites and fill out multiple forms can be a bit repetitive. But it's very important to have as many quotes as possible if you are searching for the best price on auto insurance.

A less time-consuming method to get multiple rate quotes requires only one form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much simpler. Once the form is submitted, it is quoted and you can select your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It only takes a few minutes and may result in a nice savings.

To quickly find out if lower rates are available, click here to open in new window and submit the form. If you have a policy now, it's recommended you input the insurance coverages identical to your current policy. This way, you will have rate comparison quotes based on similar coverages.

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that help determine auto insurance rates. Having a good understanding of what determines base rates enables informed choices that may reward you with lower auto insurance prices.

The following are some of the factors auto insurance companies consider when setting rates.

  • Do men or women drive better? - Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men are in accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Poor credit can mean higher rates - Credit history is a huge factor in determining your rates. If your credit is not that good, you could be paying less to insure your by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Drive less and save money - Driving more miles each year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage determined by how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, business owners and dentists tend to have the highest average rates in part from job stress and lengthy work days. Other occupations such as scientists, historians and performers receive lower rates.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some must be requested specifically in order for you to get them.

  • Accident Forgiveness - A handful of insurance companies will allow you to have one accident without raising rates as long as you don't have any claims prior to the accident.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • New Vehicle Savings - Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • No Accidents - Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Sign Online - Certain companies give back up to $50 simply for signing digitally online.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • Federal Employees - Simply working for the federal government can save as much as 8% with select insurance companies.

Consumers should know that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will reduce the cost of coverage.

For a list of companies who offer auto insurance discounts in Independence, click here to view.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every insured's situation is different so your insurance should reflect that For instance, these questions might point out whether you would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • What can I do if my company won't pay a claim?
  • Does my personal policy cover me when driving my company car?
  • Am I covered when delivering products for my home-based business?

If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Additional auto insurance information is available on the website for the Virginia Bureau of Insurance. Click here for link. Virginia drivers can learn about insurance regulations, find out industry alerts, file complaints about an insurance agent or broker, and read industry bulletins.

Independence auto insurance quote

Do the work, save more money

Cost effective auto insurance can be purchased on the web and also from your neighborhood Independence agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, it's a bad idea to reduce needed coverages to save money. In many cases, an insured cut liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to buy enough coverage for the lowest price.