7 Tips Proven to Slash the Cost of Car Insurance Costs in Windsor

Nobody cherishes buying car insurance, particularly when their premiums are too high.

Multiple compete for your business, and it can be difficult to compare rates to find the lowest price

It's important to compare prices periodically since rates are constantly changing. If you had the lowest price last year there is a good chance you can find better rates now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the fastest and easiest way to eliminate unnecessary coverages and save money.

Windsor Car Insurance Comparisons

There are several ways to get quotes from different Windsor insurance companies. One of the best ways to find competitive insurance rates involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form eliminates the need for separate quotation requests for every car insurance company. Just one form gets you coverage quotes from car insurance companies with the best prices.
A more time consuming way to get quotes online consists of going to each individual company website and request a quote. For example, let's assume you want to compare , and . To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker.

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

It's up to you how you get prices quotes, just be sure to compare the exact same coverages with every price quote. If you have different limits and deductibles on each one then you won't be able to find the best deal in Windsor. Having just a slight variation in limits can result in a big premium difference. Keep in mind that comparing a large number of companies will enable you to find lower pricing.

Save big with these seven discounts

Companies that sell car insurance don't necessarily list all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on car insurance.

Accident Forgiveness - A few companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
Passive Restraints - Factory air bags or motorized seat belts can get savings up to 30%.
Claim Free - Good drivers with no accidents pay much less as compared to accident-prone drivers.
More Vehicles More Savings - Insuring multiple cars or trucks with the same company can get a discount on all vehicles.
Auto/Life Discount - Some companies give lower rates if you buy a life insurance policy as well.
Organization Discounts - Being a member of certain professional organizations could trigger savings on car insurance.
Sign Online - Certain companies may give you up to $50 just for signing your application on their website.

It's important to note that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you're out of luck.

To choose companies with the best car insurance discounts in Windsor, click this link.

Car insurance ads bend the truth

Car insurance companies such as State Farm, GEICO and Progressive regularly use ads on TV and radio. They all seem to make the same claim that you can save if you move your coverage to them. How do they all claim to save you money? It's all in the numbers.

All companies have a certain "appetite" for the type of customer that makes them money. For instance, a desirable insured might be a mature driver, a clean driving record, and drives newer vehicles. Any new insured who matches those parameters will get very good rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will have to pay a more expensive rate which leads to the customer not buying. The ads say "customers who switch" not "people who quote" save that much money. That is how insurance companies can claim big savings. Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

But I don't know anything about car insurance

When buying the best car insurance coverage for your vehicles, there is no "best" method to buy coverage. Every situation is different so this has to be addressed. These are some specific questions may help highlight if your situation would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Do I qualify for additional discounts?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

Additional detailed information is located at the Virginia Bureau of Insurance website. Visitors are able to learn about insurance regulations, find out industry alerts, read industry bulletins, and report car insurance fraud.

Shop smart and save

Lower-priced car insurance is definitely available both online as well as from independent agents in Windsor, and you need to price shop both to have the best rate selection. A few companies don't offer online price quotes and most of the time these small, regional companies sell through independent agents.

We just covered some good ideas how to compare car insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets than their larger competitors like .