How to Find Cheap New Market Car Insurance

Searching for the cheapest New Market car insurance over the internet is impossible for consumers new to buying insurance online. With so many choices of insurers available, how can consumers even start to compare the different rates to find the best available rates?

Be sure to get all your discounts

Companies that sell car insurance don't always list every discount very clearly, so we break down both the well known and also the lesser-known savings tricks you should be using.

Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
Senior Citizens - Mature drivers can possibly qualify for a discount up to 10%.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
Distant Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
Drivers Education - Have your child successfully complete driver's ed class in high school.
Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren't that generous.

To see a list of insurance companies with the best car insurance discounts in Virginia, click here to view.

Free New Market Car Insurance Quotes

Shopping for lower car insurance rates can take time and effort if you aren't aware of the fastest way to get free quotes. You can waste a lot of time talking to local insurance agents in New Market, or you could use online quoting to quickly compare rates.

Many insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote for coverage. This saves time by eliminating form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is that consumers can't choose which carriers to get quotes from. So if you want to choose individual companies to request quotes from, we put together a list of companies who write car insurance in Virginia. View list of Virginia insurance companies.

It's up to you which method you use, but make darn sure you compare identical deductibles and coverage limits on every quote you get. If you use different values for each quote you can't possibly determine which rate is truly the best in New Market. Quoting even small variations in coverages may result in large price differences. And when comparison shopping, comparing more company's prices helps locate better pricing.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to better car insurance rates.

Rates may be lower depending on your job - Careers like lawyers, business owners and financial analysts are shown to have higher average rates due to high stress levels and long work hours. Conversely, occupations like pilots, engineers and the unemployed pay the least.
Sex matters - Statistics have proven that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Men and women have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DUI and reckless driving.
Lower rates with optional equipment - Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
Mature drivers pay less - Youthful drivers in Virginia tend to be careless and easily distracted when driving so they pay higher car insurance rates. If you've ever had to add a youthful driver onto your car insurance can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
Small claims can cost you - If you are a frequent claim filer, you can expect either higher rates or even cancellation. Companies in Virginia award lower rates to insureds who do not rely on their insurance for small claims. Car insurance is intended for the bigger claims that can't be paid out-of-pocket.

How do I know if I need professional advice?

When choosing adequate coverage for your personal vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.

For example, these questions may help you determine whether or not you might need professional guidance.

Why am I required to get a high-risk car insurance policy?
Should I buy additional glass protection?
What can I do if my company won't pay a claim?
Why does it cost so much to insure a teen driver in New Market?
Is my cargo covered for damage or theft?
Do I need special endorsements for business use of my vehicle?
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?

If you're not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Is there truth in advertising?

Car insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all make an identical promise about savings if you move your policy. How does each company claim to save you money? It's all in the numbers.

Different companies have a preferred profile for the right customer that is profitable for them. For example, a driver they prefer might be between 30 and 50, insures multiple vehicles, and has great credit. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be quoted a higher premium and ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the savings. This emphasizes why drivers must get quotes from several different companies. You cannot predict which insurance companies will fit your personal profile best.

Shop smart and save

People who switch companies do it for a variety of reasons including high rates after DUI convictions, denial of a claim, unfair underwriting practices or not issuing a premium refund. Regardless of your reason, finding a new car insurance company is actually quite simple.

When you buy insurance online, it's very important that you do not reduce coverage to reduce premium. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

Cheap car insurance is possible both online in addition to many New Market insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

Even more information can be found at the Virginia Bureau of Insurance website. Visitors are able to read industry bulletins, learn about insurance regulations, and view a list of available companies.