7 Discounts Newport News Drivers Forget when Comparing Car Insurance

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other Virginia consumers. You have so many to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates.

It's important to shop coverage around once or twice a year since rates are constantly changing. If you had the lowest rates two years ago there is a good chance you can find better rates now. Starting right now, forget all the misinformation about car insurance because we're going to show you the tricks you need to know to find better rates and still maintain coverage.

Finding affordable car insurance coverage in Newport News is not that difficult. If you are insured now or are shopping for new coverage, you will benefit by learning to find the best rates and still get good coverage. Virginia drivers only need an understanding of the tricks to get comparison rates online.

How to Compare Car Insurance Costs in Newport News

Reducing your insurance rates is surprisingly easy. You just have to take time comparing rate quotes provided by online insurance companies. This can be done in a couple of different ways.

The fastest way to find low rates is to use a rate comparison form click to view form in new window. This method eliminates the need for multiple quote forms to each individual car insurance company. Taking the time to complete one form will return price quotes from multiple low-cost companies.
A different way to get quotes online consists of visiting each individual company website and request a quote. For examples sake, we'll pretend you want rates from , and . To find out each rate you need to take the time to go to each site to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Newport News, click here.
The least efficient way of comparing rate quotes is to drive around to different Newport News agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance only provided by licensed Newport News agents. You can, however, find lower rates online and still use a local agent and we'll cover that in a bit.

Which method you use is up to you, but double check that you are using identical deductibles and coverage limits with every price quote. If you use different values for each quote you will not be able to find the best deal in Newport News.

Save big with these seven discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for prior to getting the savings. If you're not getting every credit available, you are paying more than you should be.

Homeowners Pay Less - Owning a house in Newport News may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
Drivers Education - Cut your cost by having your teen driver complete a driver education course in high school.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
One Accident Forgiven - Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Defensive Driving Course - Taking part in a driver safety course could save 5% or more if your company offers it.
Good Students Pay Less - This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.

It's important to understand that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will bring down your overall premium however.

To choose companies with the best car insurance discounts in Virginia, follow this link.

Car insurance ads bend the truth

Consumers can't ignore all the ads for the lowest price auto insurance from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing of big savings if you move your coverage to them.

How does each company make the same claim? This is how they do it.

All the different companies can use profiling for the type of customer that makes them money. For example, a desirable insured could be over the age of 50, has no tickets, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Potential customers who fall outside these standards will have to pay a more expensive rate which usually ends up with business going elsewhere. The ads state "drivers who switch" not "people who quote" save that much money. That's why insurance companies can confidently state the savings.

Because of the profiling, you need to get as many quotes as possible. It's just too difficult to predict the company that will give you the biggest savings.

Additional car insurance information can be found on the website for the Virginia Bureau of Insurance. Click here for link. Consumers can get help finding coverage, download brochures, view a list of available companies, and learn about insurance regulations.

In the end, you save

Low-cost car insurance is possible from both online companies as well as from independent agents in Newport News, and you should be comparing both to have the best rate selection. Some insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. In many cases, an insured 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 a smart amount of coverage for the lowest price.