Top Ways to Save on Lawrenceville Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out. Because you have many online and local companies to choose from, it can be challenging to locate the lowest cost insurance company.

It's important to shop coverage around at least once a year because prices are constantly changing. If you had the best price last year a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you're about to learn the fastest and easiest way to find great coverage at a great price.

The purpose of this article is to tell you how to effectively get price quotes and some tips to save money. If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Virginia drivers only need an understanding of the most effective way to find the lowest price online.

Don't pay full price with these discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked for prior to getting the savings. If you don't get every credit possible, you are throwing money away.

Sign Online - Some insurance companies may give you up to $50 simply for signing online.
Lower Rates for Military - Being deployed with a military unit can result in better rates.
Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Defensive Driving Course - Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
Homeowners Discount - Owning a house in Lawrenceville can save you money because of the fact that having a home is proof that your finances are in order.
Claim Free - Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.

It's important to understand that some credits don't apply the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, it doesn't quite work that way. Any qualifying discounts will help reduce your premiums.

Tips to Get Lower Lawrenceville Rates

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

The list below includes a few of the "ingredients" used by your company to calculate rates.

Having a spouse can save you money - Having a spouse actually saves money on auto insurance. It translates into being more mature and responsible and it's statistically proven that being married results in fewer claims.
Safer cars are cheaper to insure - Safer cars get lower rates. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Small claims can cost you - If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies in Virginia generally give discounts to policyholders who do not file claims often. Car insurance is intended for the large, substantial claims.
Bundling policies can get discounts - The majority of insurance companies will give a discount to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to verify if the discount is saving money. Consumers may find a better deal by buying auto insurance from a different company.
Do you need those extra coverages? - There are a lot of extra coverages that you can buy when buying auto insurance. Things like personal injury protection, towing coverage and additional equipment coverage are some examples. They may seem good at first, but now you might not need them so remove them from your policy.
Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, collision with an animal, and burglary. The deductibles are how much you are required to spend out-of-pocket in the event of a claim. The higher the amount you have to pay, the less your auto insurance will be.
Rates may be higher depending on your occupation - Jobs such as lawyers, social workers and stock brokers have the highest rates attributed to job stress and long work hours. On the other hand, jobs such as actors, students and the unemployed get better rates.

The auto insurance bait and switch

Consumers in Virginia get pounded daily by advertisements that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to have a common claim of big savings if you move your coverage to them.

But how can every company claim to save you money?

Different companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured might be a mature driver, has no tickets, and has great credit. A customer getting a price quote that hits that "sweet spot" will get very good rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will have to pay a more expensive rate and this can result in the customer not buying. The ads say "people who switch" not "everyone that quotes" save that much money. That's the way insurance companies can confidently advertise the savings.

Because of the profiling, drivers should get as many quotes as possible. It's impossible to know which auto insurance company will give you the biggest savings.

Additional auto insurance information can be found on the website for the Virginia Bureau of Insurance through this link. Visitors are able to get help finding coverage, find disaster information, download brochures, and read consumer alerts.

Also read more on this page for Virginia auto insurance and see this list of insurance agents in Lawrenceville.

A tidy conclusion

Low-cost auto insurance is definitely available both online as well as from independent agents in Lawrenceville, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, do not skimp on coverage in order to save money. In many cases, an insured dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at an affordable rate.