6 Discounts South Riding Drivers Forget when Shopping for Car Insurance

Searching for the lowest cost South Riding car insurance online is rather challenging for consumers new to online price comaprisons. When there are so many companies competing online, how can you possibly compare the different rates to find the best available price?

Save big with these six discounts

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Most are applied at the time you complete a quote, but a few need to be asked about prior to getting the savings.

  • More Vehicles More Savings - Insuring multiple cars or trucks with the same company qualifies for this discount.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Service Members Pay Less - Being deployed with a military unit can result in better rates.
  • Good Student Discount - This discount can save 20 to 25%. This discount can apply up to age 25.
  • Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance from them.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for better car insurance rates.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To choose insurers with the best car insurance discounts in Virginia, click here.

Car insurance ads bend the truth

Allstate, GEICO and Progressive regularly use ads on TV and radio. All the companies have a common claim about savings if you move to their company. But how can every company claim to save you money? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. For example, a profitable customer might be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile must pay a more expensive rate and this can result in the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. This is how companies can truthfully advertise the way they do.

This illustrates why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

But I don't know anything about car insurance

When buying the right insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's situation is unique.

These are some specific questions can help discover if your situation could use an agent's help.

  • Am I covered when driving on a suspended license?
  • Who is covered when they drive my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required Virginia minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Additional information can be found on the Virginia Bureau of Insurance website. Click here for link. Visitors are able to report car insurance fraud, file complaints about an insurance agent or broker, and find disaster information.

Other informative sites include this page for Virginia car insurance and this page for help finding agents in South Riding, VA.

Virginia car insurance quotes

Affordable insurance is out there

Cheaper car insurance is possible both online and also from your neighborhood South Riding agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, don't be tempted to buy poor coverage just to save money. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Drivers who switch companies do it for any number of reasons including lack of trust in their agent, delays in paying claims, unfair underwriting practices or even high prices. Whatever your reason, switching car insurance companies is easier than you think.