10 Tips to Save on Car Insurance in Woodbridge

Are you tired of being strong-armed each month for car insurance? Your situation is no different than many other Virginia drivers.

Drivers have so many to buy insurance from, and although it's nice to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices once or twice a year since rates are constantly changing. Despite the fact that you may have had the best deal last year a different company probably has better rates today. Starting right now, forget all the misinformation about car insurance because we're going to show you the only way to find lower rates on car insurance.

Policy discounts you shouldn't miss

Car insurance companies don't necessarily list all their discounts very clearly, so here is a list both the well known and the more hidden car insurance savings.

  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • College Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Use Seat Belts - Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Claim Free - Claim-free drivers can earn big discounts as compared to drivers who are more careless.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Bundle and Save - If you have multiple policies with one company you will save 10% to 20% off each policy.
  • Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with select insurance companies.

As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren't that generous.

Woodbridge car insurance comparison

Save $429 a year? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to say the same thing about savings after switching your coverage to them. How does each company claim to save you money?

Different companies can use profiling for the type of customer that earns them a profit. An example of a desirable insured might be between 30 and 50, has no tickets, and drives newer vehicles. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully claim big savings. Because of the profiling, drivers should get as many comparisons as possible. It's just too difficult to predict the company that will give you the biggest savings.

Even more information is available at the Virginia Bureau of Insurance website. Visitors are able to learn about insurance regulations, view a list of available companies, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

compare Woodbridge car insurance rates

Shop smart and save

When trying to cut insurance costs, it's very important that you do not skimp on coverage in order to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at an affordable rate.

Cheap car insurance can be bought both online as well as from independent agents in Woodbridge, so compare prices from both in order to have the best price selection to choose from. A few companies don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.