Little Known Methods to Saving Money on Fredericksburg, VA Car Insurance

Are you tired of scraping the payment together to buy car insurance? You are in the same boat as most other car owners in Virginia.

Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Smart consumers take time to do rate comparisons before your policy renews because insurance rates trend upward over time. Even if you got the best deal a year ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the best methods to find the best coverage while lowering your premiums.

Be sure to get all your discounts

Auto insurance companies don’t always list all their discounts in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.

• Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
• Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
• Driver Safety – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.
• New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
• E-sign – Certain companies will give a small break simply for signing digitally online.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

To see a list of insurers who offer car insurance discounts in Fredericksburg, click here to view.

How to Compare Car Insurance in Fredericksburg, VA

There are a variety of methods to compare car insurance quotes, but there is one way that is less time-consuming than others. You can waste a lot of time talking to agents in Fredericksburg, or you can stay home and use online quotes to get rates in a matter of minutes.

Many companies take part in a program that enables customers to enter their coverage request one time, and each participating company then returns a price quote determined by their information. This saves time by eliminating repetitive form submissions for each company.

To enter your information into the quoting system, click here to open in new window.

The only downside to pricing coverage this way is you are unable to specify the insurers you will receive quotes from. If you wish to select specific providers to compare, we have a listing of the cheapest car insurance companies in Virginia. Click here for list of insurance companies in Virginia.

It’s your choice how you get your quotes, but compare apples-to-apples coverage information for every quote you compare. If you enter different liability limits you will not be able to determine which rate is truly the best in Fredericksburg. Slightly different coverages may result in a large different in cost. It’s important to know that quoting more will increase your chances of finding a lower rate.

Better coverage you can count on

Budget-conscious car insurance can be sourced on the web and also from your neighborhood Fredericksburg agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

We just showed you many ways to lower your car insurance rates. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from the smaller companies. These companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.