Car Insurance in Sutherland - 8 Discounts You Might be Missing

Expensive car insurance can drain your personal savings and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet. Insurance companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices on a regular basis since rates are constantly changing. Even if you got the lowest price a few years ago you may be paying too much now. There is a lot of bad advice regarding car insurance on the internet, so we're going to give you some great ways to slash your car insurance rates.

How to Lower Your Car Insurance Cost in Sutherland, Virginia

Getting better car insurance pricing isn't really that difficult. You just have to take time comparing rates from different insurance companies. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for repetitive form entry to each individual car insurance company. One form submission compares rates direct from many companies.

A different way to get quotes online is going to the website for each individual company and fill out their own quote form. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site and enter your information, which is why the first method is more popular.

To view a list of companies in Sutherland, click here.

It's your choice how you get your quotes, but ensure you are comparing exactly the same coverage limits and deductibles for every quote you compare. If you have different liability limits it's not possible to determine the best price in Sutherland.

Sutherland car insurance quote

Save big with these eight discounts

Companies don't always advertise every available discount in a way that's easy to find, so we researched some of the more common as well as the least known savings tricks you should be using. If you aren't receiving every discount you deserve, you're just leaving money on the table.

  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Accident Waiver - A handful of insurance companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Lower Rates for Military - Being on active duty in the military could mean lower rates.
  • Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Life Insurance - Some companies give better rates if you take out auto and life insurance together.
  • Defensive Driver - Taking part in a driver safety course could cut 5% off your bill depending on where you live.
  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Resident Student - Kids in college who are attending college and do not have a car may qualify for this discount.

It's important to note that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you're out of luck.

For a list of providers offering car insurance discounts in Sutherland, click here to view.

Additional detailed information is located at the Virginia Bureau of Insurance website. Consumers can read consumer alerts, learn about insurance regulations, view a list of available companies, and report car insurance fraud.

And the best car insurance company is...

As you shop your coverage around, it's not a good idea to reduce needed coverages to save money. Too many times, drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Lower-priced car insurance can be found from both online companies as well as from independent agents in Sutherland, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers don't offer online quoting and many times these small, regional companies only sell through independent insurance agents.