Wise Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the number of auto insurance choices in Wise? You're not the only one! People have so many options available that it can turn into a big hassle to find lower rates.

If you have car insurance now, you will most likely be able to save some money using these methods. Buying affordable protection in Wise is simple if you know the tricks. But Virginia drivers do need to know the way insurance companies sell online and take advantage of how the system works.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Occupation reflects on rates - Did you know that where you work can have an impact on rates? Careers like doctors, business owners and dentists tend to pay the highest average rates due to stressful work requirements and lengthy work days. Other professions such as actors, historians and performers have the lowest average rates.
  • Do you need those extra coverages? - There are a ton of extra coverages that can waste your money on your auto insurance policy. Insurance for roadside assistance, accident forgiveness and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don't need them eliminate the coverages to reduce your premium.
  • Adjust deductibles and save - Deductibles for physical damage define the amount you are required to spend before your auto insurance pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more money you're willing to pay, the less your auto insurance will be.
  • Better credit means lower rates - Having a bad credit history is a big factor in calculating your auto insurance rates. So if your credit history is not that good, you could save money insuring your by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Where do you drive? - Driving more miles in a year the higher your rate. Most companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage can get a lower rate than those used for commuting. Make sure your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Equipment add-ons that lower auto insurance rates - Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Performance level impacts rates - The performance level of the vehicle you are buying insurance for makes a substantial difference in the rate you pay. Small economy passenger models generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.

Save big with these discounts

Auto insurance companies don't list every discount in a way that's easy to find, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.

  • Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
  • Low Mileage Discounts - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
  • Homeowners Discount - Simply owning a home can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
  • Passive Restraints - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Early Switch Discount - Some companies give discounts for switching policies prior to your current policy expiration. It's a savings of about 10%.
  • Discount for Good Grades - This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Save over 55 - If you're over the age of 55, you may be able to get reduced rates.

Drivers should understand that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like it's possible to get free car insurance, companies wouldn't make money that way.

To choose insurance companies who offer auto insurance discounts in Wise, click here to view.

Auto insurance ads bend the truth

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise that you'll save big after switching to them. How can each company make almost identical claims? It's all in the numbers.

All companies are able to cherry pick for the type of driver that makes them money. An example of a driver they prefer could possibly be a mature driver, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will get very good rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save money. That's the way companies can advertise the way they do. This emphasizes why you should quote coverage with many companies. It's impossible to know which auto insurance company will provide you with the cheapest rates.

More detailed Virginia auto insurance information is available at the Virginia Bureau of Insurance website. Virginia consumers can read industry bulletins, discover disciplinary actions, and report car insurance fraud.

auto insurance in Wise

Affordable insurance is out there

People change insurance companies for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, an unsatisfactory settlement offer or even lack of trust in their agent. Whatever your reason, finding a new auto insurance company is easier than you think.

Budget-conscious auto insurance can be sourced online and with local Wise insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies do not offer online price quotes and these smaller companies work with independent agents.

You just read some good ideas how you can save on auto insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the best price on auto insurance is with some of the smallest insurance companies.