Blacksburg, VA Car Insurance Buying Tips You Aren’t Supposed to Know

Shopping for the most affordable Blacksburg car insurance on the web can be intimidating for beginners to comparing rates online. When there are so many insurers available, how can Blacksburg drivers possibly compare them all to find the cheapest rates?

Pricing the best coverage in Blacksburg is simple if you know the tricks. Basically, anyone who is required by state law to have car insurance will be able to cut their insurance bill. But Virginia drivers must comprehend how the larger insurance companies sell insurance online because it can help you find the best coverage.

More discounts equal less premium

Insurance can cost an arm and a leg, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but a few must be asked about before you get the savings.

• Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
• Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
• Good Students Pay Less – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
• Federal Government Employee – Active or retired federal employment can earn a discount up to 10% depending on your company.
• Passive Restraint Discount – Cars that have air bags may earn rate discounts of more than 20%.
• Memberships – Affiliation with a professional or civic organization could qualify you for a break on your policy.
• Defensive Driver – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will help reduce your overall premium however.

To choose providers who offer car insurance discounts in Virginia, click here.

More Virginia car insurance resources

More information is located on the Virginia Bureau of Insurance website found here. Consumers can read state legal mandates and laws, read industry bulletins, view a list of available companies, and discover disciplinary actions.

Buy online or local, you save

Drivers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in paying claims, denial of a claim or even policy cancellation. Regardless of your reason, finding a great new company is easier than you think.

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped full coverage only to find out they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest price.

We just showed you some good ideas how to save on car insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies.