Tightwads Guide to Saving on Rich Creek Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many Rich Creek consumers feeling the pinch from expensive auto insurance.

Because you have many auto insurance companies to choose from, it can be hard to choose the right provider.

It's important to compare prices at least once a year because prices are constantly changing. Just because you had the best deal a year ago there may be better deals available now. So just block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

Rich Creek auto insurance comparison

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but some must be specifically requested before they will apply.

  • Senior Citizens - Older drivers may qualify for a small decrease in premiums.
  • Defensive Driver - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
  • Sign Online - A few companies may give you up to $50 for buying your policy online.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy could earn a price break for each car.

As a disclaimer on discounts, some credits don't apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

For a list of companies offering auto insurance discounts in Virginia, click here.

Comprehensive Rich Creek Auto Insurance Comparison Quotes

Comparing auto insurance rates can be a lot of work if you don't know the most efficient way to do it. You can waste hours driving to insurance agencies in Rich Creek, or you can utilize the internet for quick rates.

Most car insurance companies belong to a marketplace that allows shoppers to submit one quote, and at least one company then gives them pricing. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

The only downside to using this type of system is you are unable to specify the companies to receive prices from. So if you want to select from a list of companies to compare, we put together a list of low cost auto insurance companies in Virginia. Click here for list of insurance companies in Virginia.

Whichever method you choose, compare apples-to-apples coverages and limits on every quote. If you are comparing different deductibles it will be impossible to make a fair comparison in Rich Creek. Slightly different coverages can result in a big premium difference. Just keep in mind that comparing a large number of companies gives you a better chance of getting a lower rate.

Final considerations

While you're price shopping online, don't be tempted to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to buy the best coverage you can find at an affordable rate.

Cheap auto insurance is available both online as well as from independent agents in Rich Creek, and you need to price shop both to get a complete price analysis. Some companies don't offer online quoting and most of the time these smaller companies sell through independent agents.

We covered a lot of ways to get a better price on auto insurance. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. Drivers may discover the best price on auto insurance is with an unexpected company. These companies may have significantly lower rates on certain market segments compared to the large companies like .