Tightwads Instructions on Saving on Kenbridge Car Insurance

I can't think of anyone who cherishes buying car insurance, especially when they are paying too much. Lots of contend for your business, and it can be difficult to compare rates and uncover the absolute lowest price

It's important to compare prices occasionally since rates are constantly changing. Just because you had the best rates last year you can probably find a better price now. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to quit paying high car insurance rates.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that go into determining your car insurance rates. Understanding what influences your rates enables informed choices that may reward you with lower car insurance prices.

Where you live - Living in a rural area can be a good thing when it comes to car insurance. Lower population translates into fewer accidents and a lower car theft rate. Urban drivers have to deal with much more traffic to deal with and longer commutes to work. More time on the road translates into higher accident risk.
Poor credit can mean higher rates - Credit score is a huge factor in determining your rates. Therefore, if your credit rating is lower than you'd like, you could save money insuring your by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with poor credit.
Tickets mean higher rates - Careful drivers tend to pay less for car insurance than bad drivers. Even one speeding ticket can boost insurance rates twenty percent or more. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
Lower deductibles cost more - Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and burglary. Deductibles for physical damage are how much you are willing to pay before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the lower your rates will be.

More discounts equal less premium

The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be asked for in order for you to get them. If they aren't giving you every credit you qualify for, you are paying more than you should be.

Bundle and Save - If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
Good Student - This discount can get you a discount of up to 25%. The good student discount can last until age 25.
Multi-car Discount - Having more than one vehicle with the same company qualifies for this discount.
Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Keep in mind that most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you can get free auto insurance, it just doesn't work that way. But any discount will cut your premiums.

To choose companies offering car insurance discounts in Kenbridge, click here to view.

Switch companies and save? Really?

Consumers can't ignore all the ads for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to make an identical promise that you can save if you switch to their company.

How do they all make the same claim? This is how they do it.

All companies have a certain "appetite" for the driver that makes them money. A good example of a desirable insured could be between the ages of 40 and 55, owns a home, and has great credit. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will have to pay more money and ends up with business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save that much. That is how insurance companies can advertise the savings.

Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

It's not one size fits all

When buying coverage for your vehicles, there is no "perfect" insurance plan. Every insured's situation is different so your insurance should reflect that Here are some questions about coverages that might point out if you will benefit from professional help.

What is the difference between comprehensive and collision coverage?
Does my insurance cover a custom paint job?
Why am I required to buy high-risk coverage?
Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Does my personal auto insurance policy cover using my vehicle for business use?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

More information can be read on the website for the Virginia Bureau of Insurance. Click here for link. Consumers can view agent and company licensing information, find out industry alerts, file complaints about a company, and report car insurance fraud.

Best coverage at the best price

As you prepare to switch companies, never buy poor coverage just to save money. In many instances, an insured cut collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage for the lowest price.

You just learned some good ideas how you can save on car insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as .

Affordable car insurance is available from both online companies and also from your neighborhood Kenbridge agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and most of the time these small insurance companies sell through independent agents.