Rawlings Car Insurance For Less Than You're Paying Now

Are you overwhelmed by the sheer number of car insurance options in Rawlings? You're not alone. There are so many companies to choose from that it can turn into more work than you anticipated to find better rates.

Comprehensive Rawlings Car Insurance Comparison Quotes

There are several ways to compare car insurance prices but some are easier and takes less work. You could spend your day talking to insurance companies in Rawlings, or you can stay home and use online quoting to achieve your goal.

All the larger companies participate in a marketplace that allows shoppers to submit one quote, and each company provides a quote for coverage. This eliminates the need for form submissions for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you can't choose which companies to get pricing from. So if you want to select from a list of companies to compare prices, we put together a list of the cheapest car insurance companies in Virginia. Click here for list of insurance companies in Virginia.

Whichever way you use, compare identical coverage limits and deductibles for every quote you compare. If you use different liability limits it will be very difficult to determine the best price in Rawlings. Just a small difference in coverages could mean much higher rates. Just keep in mind that having more price comparisons helps locate the best rates.

Understand what determines the rate you pay

It's important that you understand some of the elements that go into determining your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

Listed below are a few of the "ingredients" that factor into premiums.

Higher safety ratings means cheaper insurance - Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates.
Little extras can really add up - There are many extra coverages that you can get tricked into buying on your policy. Coverages for vanishing deductibles, accidental death and membership fees are examples of these. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate them to save money.
More than one policy can earn a discount - Most companies will award you with lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to shop around to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.
Battle of the sexes - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Both sexes have accidents in similar percentages, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
Clean credit earns discounts - A driver's credit score is a huge factor in calculating your car insurance rates. If your credit rating is lower than you'd like, you could be paying less to insure your by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have poor credit.
Your job and insurance rates - Did you know your job can affect your rates? Occupations such as lawyers, architects and financial analysts are shown to have higher average rates in part from high stress levels and long work days. Conversely, occupations like actors, engineers and homemakers pay the least.
Marriage pays dividends - Having a spouse can actually save you money when buying car insurance. Having a spouse usually means you are more responsible it has been statistically shown that being married results in fewer claims.

How much can you save with discounts?

Insurance can be prohibitively expensive, but companies offer discounts that many people don't even know exist. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be inquired about prior to receiving the credit.

Fewer Miles Equal More Savings - Driving fewer miles can earn lower rates on the low mileage vehicles.
Defensive Driver - Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
No Charge for an Accident - Certain companies will allow you to have one accident without raising rates so long as you haven't had any claims for a set time period.
Passive Restraints and Air Bags - Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
No Claims - Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

For a list of insurers offering car insurance discounts in Virginia, follow this link.

Additional information can be found on the Virginia Bureau of Insurance website. Click here for link. Consumers can find disaster information, discover disciplinary actions, and read consumer alerts.

Final considerations

Cheap car insurance can be found from both online companies in addition to many Rawlings insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, never reduce needed coverages to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

We just showed you many ways to lower your car insurance rates. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest rates come from a smaller regional carrier.