Car Insurance in Urbanna - 10 Discounts You Might be Losing Out On

Nobody I know enjoys paying for car insurance, particularly when the price is too high.

With consumers having so many options when it comes to car insurance, it can be hard to locate the best provider.

It's important to shop coverage around periodically since rates are constantly changing. Even if you got the best deal a year ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the proper way to find better rates and still maintain coverage.

Finding the best rates in Urbanna is easy if you know what you're doing. Just about everyone who is required by state law to have car insurance will be able to lower their premiums. But Virginia consumers do need to know how insurance companies price online insurance and take advantage of how the system works.

Are you getting all your discounts?

Companies don't necessarily list every available discount very well, so here is a list both the well known as well as the least known ways to save on car insurance.

  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Good Student - Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Low Mileage - Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Clubs and Organizations - Being a member of a professional or civic organization could trigger savings on your policy.
  • Seat Belts Save more than Lives - Drivers who require all occupants to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Federal Employees - Active or retired federal employment could cut as much as 10% off with certain companies.
  • Senior Citizens - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
  • Claim Free - Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
  • Homeowners Savings - Being a homeowner may earn you a small savings because owning a home requires personal responsibility.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies wouldn't make money that way.

Urbanna car insurance quote

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help highlight whether you may require specific advice.

  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Virginia minimum liability coverage?
  • Is my nanny covered when driving my vehicle?
  • Do I qualify for additional discounts?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads make the same claim that you'll save big if you switch your coverage to them. But how can every company claim to save you money?

Insurance companies have a certain "appetite" for the type of customer that earns them a profit. An example of a preferred risk might be over the age of 50, a clean driving record, and has excellent credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will be charged higher rates which leads to the customer not buying. The ads state "customers that switch" not "everybody who quotes" save that much money. That is how companies can make those claims. That is why drivers should compare many company's rates. It's just too difficult to predict which company will have the lowest rates.

Additional Virginia consumer information

More detailed Virginia car insurance information is available at the Virginia Bureau of Insurance website. Visitors are able to find out industry alerts, file complaints about a company, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

Also read more on NAIC.org's Understanding your Policy and this directory of Urbanna insurance agents.

Virginia car insurance

The best insurance company isn't always the cheapest

While you're price shopping online, don't be tempted to skimp on coverage in order to save money. Too many times, someone dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

We just covered some good ideas how to reduce car insurance prices online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from the least-expected company. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as .

Budget-conscious car insurance can be found both online as well as from independent agents in Urbanna, and you should be comparing both to get a complete price analysis. Some companies don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.