7 Guaranteed Tricks to Reduce Car Insurance Costs in Surry

Having to pay for overpriced car insurance can dwindle your checking account and put the squeeze on your family's finances. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Popular companies such as State Farm, Allstate, GEICO and Progressive continually hit you with catchy ads and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Finding the best rates in Surry is quite easy. Nevertheless, Virginia consumers do need to know the methods companies use to sell online and apply this information to your search.

Low Cost Surry Car Insurance

All major car insurance companies quote pricing on the web. Getting quotes is pretty easy as you just enter your coverage information as detailed in the form. After the form is submitted, the system will obtain information on your driving record and credit history and gives you a price quote. Online quotes makes comparing rates easy, but the process of having to visit several different sites and complete many quote forms is monotonous and tiresome. But it's very important to perform this step if you are searching for the best price on car insurance.

The preferred way to locate the lowest prices is to use a quote form to get prices from several companies at one time. The form is fast, requires much less work on your part, and makes rate comparisons much easier to do. After sending your information, it is quoted with multiple companies and you can pick your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It takes 15 minutes at the most and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you complete the form with identical to your current policy. This makes sure you will have comparison quotes for the exact same coverage.

Are you getting all your discounts?

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so we took the time to find both the well known and the harder-to-find savings tricks you should be using.

  • Multiple Cars - Buying coverage for all your vehicles with the same company qualifies for this discount.
  • Senior Citizens - If you're over the age of 55, you may receive reduced rates.
  • Organization Discounts - Being a member of a civic or occupational organization is a good way to get lower rates when buying car insurance.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Auto/Home Discount - If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn discounted rates on garaged vehicles.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, companies don't profit that way.

To choose insurers with discount car insurance rates in Surry, click here to view.

How can Allstate, GEICO and Progressive save drivers who switch?

Allstate, GEICO and Progressive consistently run ads on television and other media. All the companies make an identical promise of big savings if you change to them. How can each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of driver that makes them money. For example, a profitable customer might be over the age of 40, insures multiple vehicles, and has great credit. Any new insured who meets those qualifications will get the preferred rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements must pay more money and ends up with the customer not buying. The ads state "drivers who switch" not "everybody who quotes" save money. This is how insurance companies can confidently advertise the savings. This illustrates why you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's situation is unique so your insurance should reflect that For instance, these questions may help you determine whether you could use an agent's help.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I getting all the discounts available?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

More tips and info about car insurance can be found at the Virginia Bureau of Insurance website. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, find out which companies have the most complaints, and view a list of available companies.

Surry car insurance comparison

Do the work, save more money

Cost effective car insurance can be sourced both online and with local Surry insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, it's not a good idea to reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.