Compare Suffolk Auto Insurance Prices With These Techniques

Are you intimidated by the wide range of auto insurance options in Suffolk? You have a lot of company. Drivers have so many choices that it can turn into more work than you anticipated to find better rates.

If you have a current auto insurance policy or need new coverage, you can learn to find better prices while maintaining coverages. The purpose of this post is to help educate you on the most effective way to quote insurance and some tips to save money. Virginia drivers only need an understanding of the most efficient way to compare rates over the internet.

Policy discounts you shouldn't miss

Companies that sell car insurance do not advertise all available discounts in a way that's easy to find, so the following is a list of both the well known as well as the least known auto insurance savings. If you aren't receiving every discount possible, you are throwing money away.

  • Fewer Miles Equal More Savings - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Paperless Signup - A handful of insurance companies may give you up to $50 simply for signing digitally online.
  • No Charge for an Accident - A handful of insurance companies will forgive one accident before your rates go up so long as you haven't had any claims for a particular time prior to the accident.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Driver Safety - Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, companies don't profit that way.

auto insurance in Suffolk

Save $429 a year? Really?

Consumers in Virginia get pounded daily by advertisements that promise big savings by 21st Century, Allstate and State Farm. All the companies say the same thing of big savings after switching to their company.

How can each company claim to save you money?

All the different companies are able to cherry pick for the driver that earns them a profit. A good example of a profitable customer might be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements must pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently claim big savings. This illustrates why you should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Learn more about Virginia auto insurance

More tips and info about auto insurance can be read at the Virginia Bureau of Insurance website. Visitors are able to find disaster information, report car insurance fraud, and learn about insurance regulations.

Best coverage at the best price

Cost effective auto insurance can be bought both online and also from your neighborhood Suffolk agents, and you should compare price quotes from both to have the best rate selection. A few companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed full coverage and found out when filing a claim that it was a big mistake. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Consumers change insurance companies for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, denial of a claim and even unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is less work than it seems.