How to Get Low-Cost Lovingston Auto Insurance

If you are a novice to online auto insurance shopping, you may be overwhelmed by the vast number of auto insurance companies competing for business in Lovingston.

You have some control over your rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

Listed below are a few of the "ingredients" auto insurance companies consider when setting prices.

Higher safety ratings means cheaper insurance - Vehicles with high crash test scores can get you lower premiums. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates.
What type of vehicle do you drive? - The type of car you are buying insurance for makes a substantial difference in your rates. The lowest rates are usually for economy passenger cars, but the final cost of insurance is determined by many other factors.
Careful drivers pay lower rates - Even one moving violation can boost insurance rates by twenty percent. Careful drivers have lower premiums than bad drivers. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
Where you live - Living in small towns and rural areas can save you money when insuring your vehicles. Drivers who live in large cities regularly have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents.

Auto Insurance Comparison Rates in Lovingston, VA

There are multiple methods to shop for auto insurance, and some are easier and takes less work. You can spend your afternoon talking to insurance companies in Lovingston, or you could save time and use online quotes for quick rates.

Most of the larger companies belong to an insurance system that enables customers to submit their information once, and each company provides a quote for coverage. This saves time by eliminating quote forms to each individual auto insurance company. To submit your quote information now, click here to open in new window.

One minor caviat to comparing rates this way is you cannot specify which providers to get quotes from. So if you prefer to choose from a list of companies to compare rates, we have assembled a list of auto insurance companies in Virginia. Click here for list of insurance companies in Virginia.

It's your choice how you get your quotes, but be sure to compare apples-to-apples coverages and limits on every quote you get. If you use different deductibles it will be impossible to determine which rate is truly the best in Lovingston.

Don't pay full price with these discounts

Auto insurance companies don't always publicize every discount very well, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If you don't get every credit you qualify for, you are paying more than you should be.

Service Members Pay Less - Being on active duty in the military could mean lower rates.
Early Signing - Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
Good Student - This discount can earn a discount of 20% or more. This discount can apply until age 25.
Life Insurance - Some companies give a break if you buy life insurance.
Multiple Policy Discount - If you insure your home and vehicles with the same insurance company you may earn at least 10% off all policies.

Keep in mind that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, it just doesn't work that way.

To choose insurance companies offering auto insurance discounts in Virginia, click here to view.

The auto insurance bait and switch

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

But how can every company make almost identical claims?

Insurance companies have a certain "appetite" for the driver that makes them money. For example, a driver they prefer could possibly be between 25 and 40, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much. That is how insurance companies can advertise the way they do. This emphasizes why you need to quote coverage with many companies. It's impossible to know which company will provide you with the cheapest rates.

Your personal situation dictates your coverage

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone's needs are different.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent's advice.

Do I have coverage when using my vehicle for my home business?
Does my car insurance cover rental cars?
Why am I required to buy high-risk coverage?
When does my teenage driver need to be added to my policy?
What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Additional detailed information can be found at the Virginia Bureau of Insurance website. Virginia consumers can find disaster information, learn about specific coverages, and file complaints about a company.

Other informative sites include this page for auto insurance prices in Virginia and this page of Lovingston insurance agents.

And the best car insurance company is...

People switch companies for a number of reasons such as unfair underwriting practices, high prices, poor customer service or even delays in paying claims. Regardless of your reason, choosing a new insurance company is easier than you think.

You just read many tips how you can compare auto insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the most savings is with a small local company.

Affordable auto insurance is available online and also from your neighborhood Lovingston agents, so you should compare both to have the best rate selection. Some auto insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.