Find Cheaper Reston Car Insurance

Are you intimidated by the wide range of car insurance company choices in Reston? Many other drivers are as well. There are so many choices that it can turn into a ton of work to find lower rates.

It's important to get comparison quotes every six months because rates are constantly changing. Even if you got the best rates two years ago you can probably find a better price now. There is a lot of bad information regarding car insurance online, so we're going to give you some great ways to quit paying high car insurance rates.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Locating affordable coverage in Reston can be fairly easy. But Virginia car owners do need to know how insurance companies price online insurance.

Understand what determines the rate you pay

Consumers need to have an understanding of the different types of things that go into determining your car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get lower car insurance prices.

Multi-policy discounts can save money - Most insurers give discounts to policyholders who consolidate policies with them. It's known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it's in your best interest to comparison shop to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying insurance from more than one company.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less your car insurance will be.
Clean credit earns discounts - Your credit score is a huge factor in calculating your car insurance rates. If your credit rating is lower than you'd like, you could save money insuring your by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with poor credit.
Battle of the sexes - Statistics demonstrate that men are more aggressive behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. Women and men are in accidents at a similar rate, but men cause more damage. Men also receive more costly citations such as reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high car insurance rates.
Higher safety ratings means cheaper insurance - Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you.
An active claims history can cost you - If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies in Virginia award better rates to people who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.

These discounts can lower your rates

Companies do not list every available discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Multi-car Discount - Buying coverage for more than one vehicle with the same company qualifies for this discount.
Homeowners Discount - Being a homeowner can help you save on car insurance because owning a home demonstrates responsibility.
No Claims - Drivers with accident-free driving histories pay less compared to accident-prone drivers.
No Charge for an Accident - A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Low Mileage - Driving fewer miles could qualify for discounted rates on garaged vehicles.
Student Driver Training - Cut your cost by having your teen driver take driver's ed class in school.
Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
New Car Discount - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.

Consumers should know that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it's possible to get free car insurance, companies don't profit that way.

To choose providers offering car insurance discounts in Reston, click here to view.

Are you falling for claims of savings?

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads make an identical promise that you'll save big if you switch your policy. How do they all make the same claim? This is how they do it.

All companies are able to cherry pick for the right customer that makes them money. A good example of a preferred risk could be over the age of 50, has no driving citations, and chooses high deductibles. A customer who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be charged higher prices and ends up with business going elsewhere. The ads state "drivers who switch" not "everybody who quotes" save that kind of money. That's the way companies can state the savings. That is why you should get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings.

More detailed Virginia car insurance information can be read at the Virginia Bureau of Insurance website. Consumers can read consumer alerts, report car insurance fraud, and find out industry alerts.

Final considerations

When buying insurance coverage, never buy poor coverage just to save money. Too many times, someone sacrificed full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Discount car insurance can be found from both online companies in addition to many Reston insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

We just showed you some good ideas how you can save on car insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier.