Is Your Waynesboro Auto Insurance Breaking the Bank?

Finding lower premiums on Waynesboro auto insurance is always hard for consumers new to buying insurance online. There are so many options available that it can quickly become a big hassle to compare prices in Waynesboro.

Choosing the best insurance company for you in Waynesboro is not that difficult. If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. Virginia drivers only need to know the most effective way to shop online.

These discounts can lower your rates

Companies that sell car insurance don’t always advertise every available discount very well, so here is a list some of the best known and also the lesser-known discounts you could be receiving. If you don’t get every credit possible, you’re just leaving money on the table.

  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Safety Course Discount – Taking a defensive driving course could cut 5% off your bill depending on where you live.
  • Bundle and Save – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Organization Discounts – Belonging to a civic or occupational organization could trigger savings on auto insurance.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accident claims.

It’s important to note that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

Different people need different coverages

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • When should I not file a claim?
  • Will my rates increase for filing one claim?
  • Do I have any recourse if my insurance company denies a claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is business equipment covered while in my vehicle?
  • Do no-fault laws apply in Virginia?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Auto insurance ads bend the truth

Consumers in Virginia get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. All the ads make an identical promise that you’ll save big after switching your coverage to them.

How does each company claim to save you money?

Insurance companies are able to cherry pick for the type of customer that is profitable for them. A good example of a driver they prefer might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who fits that profile gets the lowest rates and most likely will save when switching.

Potential customers who do not match the requirements must pay more money and this can result in business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can confidently make the claims of big savings. This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict the company that will have the lowest rates.

Additional reading for auto insurance information

More tips and info about auto insurance can be found at the Virginia Bureau of Insurance website. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, discover disciplinary actions, and read industry bulletins.

Waynesboro car insurance quote

More comparisons equals lower rates

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There have been many cases where drivers have reduced physical damage coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

We just presented a lot of tips how to lower your auto insurance rates. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a smaller regional carrier.

Budget-conscious auto insurance can be bought online and with local Waynesboro insurance agents, so compare prices from both so you have a total pricing picture. Some auto insurance companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.