Lower Online Manassas Park Car Insurance Prices With These Methods

If you've never shopped for car insurance online, you may be overwhelmed by the vast number of car insurance companies offering insurance in Manassas Park.

It's important to do rate comparisons periodically due to the fact that insurance rates are constantly changing. Just because you found the lowest rates two years ago you may be paying too much now. Starting now, forget anything you know (or think you know) about car insurance because I'm going to teach you the tricks you need to know to remove unneeded coverages and save money.

Buying car insurance in Manassas Park is quite easy. If you have a policy now or need new coverage, you can use these techniques to get lower rates while maintaining coverages. Virginia drivers only need an understanding of the proper methods to get comparison quotes on the web.

Manassas Park Car Insurance Comparisons

Getting better car insurance pricing is a fairly straight forward process. Just take a couple of minutes getting comparison quotes provided by online insurance companies. This can be done using a couple different methods.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for multiple quote forms for each company you want a rate for. Just one form gets you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to compare rate quotes requires a trip to each company's website and fill out their own quote form. For instance, let's assume you want to compare , and . To get each rate you have to go to every website to input your insurance information, which is why the first method is more popular.

To view a list of companies in Manassas Park, click here.

The least recommended method of getting rate comparisons is to spend time driving to insurance agents' offices. The internet makes this process obsolete unless you require the professional guidance that only a license agent can provide. However, consumers can compare the best prices online and still use a local agent and you'll learn how to do that later.

It's up to you which method you use, but be sure to compare identical quote information for every quote you compare. If you use mixed coverages it's impossible to determine the best price in Manassas Park.

Why some people pay less for insurance in Manassas Park

It's important that you understand the different types of things that play a part in calculating the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

Older drivers save more - Youthful drivers in Virginia have a tendency to be more careless behind the wheel so they pay higher car insurance rates. Parents adding a youthful driver to your policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
Bad driving skills means higher rates - Good drivers have lower premiums than their less careful counterparts. Even one citation can increase rates twenty percent or more. Drivers who have dangerous citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
Protect your assets with liability insurance - Your policy's liability coverage is the coverage that protects you if ever you are found liable for damages from an accident. It will provide for a legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Pay less if you're married - Having a spouse helps lower the price on your policy. It is viewed as being more mature and responsible and it's proven that married couples file fewer claims.

Take advantage of discounts

Auto insurance companies do not advertise all their discounts very clearly, so we break down both the well known as well as the least known savings tricks you should be using. If you're not getting every credit you qualify for, you're just leaving money on the table.

Save with a New Car - Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Good Student - Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
Multiple Cars - Insuring all your vehicles on one policy may reduce the rate for each vehicle.
Sign Online - A few companies may give you up to $50 simply for signing over the internet.
College Student - Kids in college who attend school more than 100 miles from home and don't have a car may qualify for this discount.
Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
Life Insurance - Larger companies have a discount if you purchase life insurance.
Drivers Education - Require your teen driver to complete a driver education course if offered at their school.

Consumers should know that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, companies don't profit that way.

For a list of companies with discount car insurance rates in Virginia, click here to view.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is a little different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

Should I file a claim if it's only slightly more than my deductible?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?
Does medical payments coverage apply to all occupants?
What are Virginia no-fault laws?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you're not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It's fast, free and can help protect your family.

More tips and info about car insurance can be found at the Virginia Bureau of Insurance website. Visitors are able to read enforcement actions against agents and companies, file complaints about a company, and find out which companies have the most complaints.

Best coverage at the best price

When buying insurance coverage, never reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford.

We just presented some good ideas how you can lower your car insurance rates. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the lesser-known companies.

Cost effective car insurance can be sourced both online and with local Manassas Park insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.