Tightwads Guide for Saving on Stephens City Car Insurance

No one in their right mind looks forward to paying for car insurance, particularly when their premiums are too high.

Insurance companies such as State Farm, Allstate, GEICO and Progressive continually hit you with catchy ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Take advantage of discounts

Car insurance companies don't necessarily list every discount in a way that's easy to find, so we researched both the well known and also the lesser-known ways to save on car insurance.

Service Members Pay Less - Having a family member in the military could mean lower rates.
Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
Passive Restraints - Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
Auto/Life Discount - Some companies give better rates if you take out a life insurance policy as well.

It's important to note that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it may seem like it's possible to get free car insurance, you're out of luck.

How to know if you need help

When it comes to buying the best car insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's so this has to be addressed. These are some specific questions might point out whether your personal situation would benefit from professional advice.

Am I covered when pulling a rental trailer?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Stephens City?
Does my personal policy cover me when driving my company car?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. They all make the same claim that you can save if you switch to their company. How can each company claim to save you money? It's all in the numbers.

All companies have a certain "appetite" for the driver that earns them a profit. For instance, a driver they prefer might be a mature driver, owns a home, and drives less than 10,000 miles a year. Any new insured who matches those parameters will get the preferred rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted higher prices which leads to the customer not buying. The ads state "customers who switch" not "people who quote" save that much. That is how insurance companies can advertise the way they do. This emphasizes why you should compare as many rates as you can. It's just too difficult to predict which company will provide you with the cheapest rates.

Additional detailed information is located at the Virginia Bureau of Insurance website. Visitors are able to view a list of available companies, find out industry alerts, view agent and company licensing information, and get help finding coverage.

Final considerations

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

We just covered many ideas to reduce car insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with a small mutual company. Regional companies often have lower prices on specific markets than their larger competitors like .