How to Know You're Paying Too Much for Car Insurance in Zanoni

No one in their right mind likes paying for car insurance, especially when they are paying too much. Numerous battle to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest rate

It's important to check car insurance prices periodically because rates are constantly changing. Even if you think you had the best deal a few years ago you will most likely find a better rate today. So forget anything you know (or think you know) about car insurance because you're going to learn the only way to save money, get proper coverage and the best rates.

Don't pay full price with these discounts

Companies don't always advertise all their discounts in an easy-to-find place, so here is a list some of the more common as well as the least known savings tricks you should be using. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Accident Forgiveness - A few companies will forgive one accident before your rates go up as long as you don't have any claims for a set time period.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can get savings of 20% or more.
  • Drive Less and Save - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Safety Course Discount - Successfully completing a driver safety course can save you 5% or more if you qualify.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
  • Good Student - Performing well in school can earn a discount of 20% or more. The discount lasts up until you turn 25.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you won't be that lucky.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Everyone's situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Virginia?

If you're not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

The car insurance bait and switch

Consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise about savings if you change to them.

How do they all make the same claim?

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. An example of a desirable insured could be a mature driver, a clean driving record, and has a short commute. A customer who meets those qualifications will get the preferred rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay a more expensive rate and ends up with business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save money. That is how companies can truthfully make the claims of big savings. Because of the profiling, you should get a wide range of price quotes. Because you never know which company will fit your personal profile best.

Additional Virginia consumer information

Even more information is available at the Virginia Bureau of Insurance website. Consumers can learn about insurance regulations, file complaints about a company, find disaster information, and discover disciplinary actions.

Virginia car insurance

A tidy conclusion

Cheaper car insurance is attainable from both online companies and with local Zanoni insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We just showed you many tips how you can reduce car insurance prices online. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many cases, someone dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.