You can reduce your Virginia car insurance rates by taking advantage of specific techniques and various discounts that most insurers offer. Virginiacarinsurance.com rates is the premier resource for affordable car insurance coverage. We feel it’s important to take the time to carefully review your specific cars and drivers and make certain you are paying the lowest possible premium.
We have listed below some of the best ways to reduce your rates:
Increase Your Deductibles
Higher deductibles could substantially reduce your premium. For example, if you own two vehicles, increasing your deductibles from $100 to $500 could possibly save $200 to $500 per year. Of course, if you have an at-fault accident every year, you will pay a higher out-of-pocket cost.
Get Quotes From Different Virginia Car Insurance Companies
While it’s very possible that your current rate is the lowest possible option, it’s also possible that in recent years, your rates have increased much faster than other carriers. By entering your zip code in the “Get Affordable Auto Insurance” box at the top of the page, you’ll be able to view rates from the top companies. You might be surprised at the savings.
Insure Your Car And Home With The Same Company
Most companies offer a “Multi-Policy” discount if they insure your vehicles and homes. The discount will vary between 5% and 15% and is one of the easiest discounts to qualify for.
Utilize Teen Driver Discounts
If you have a teenage driver (or a few!), you realize how much they cost. If your son or daughter has a 3.0 GPA (“B” average), a discount should apply. Completing accredited driver education courses may also reduce your rate. And if your child attends college more than 100 miles away, some Virginia car insurance companies will apply a discount.
Check Rates BEFORE You Buy A New Car
A car with a poor safety record will be expensive to insure. If the car is also expensive to repair, you will pay higher rates. It’s always a good idea to get an estimate of the insurance cost before you make the purchase.
Install Anti-Theft And Safety Devices In Your Vehicle Your Virginia car insurance rate will reduce if you purchase and add these to your car. If you already have them installed, contact your agent to make sure you are receiving the discount.
Consider Liability Coverage (Only) On Older Vehicles The collision and comprehensive coverages on your policy cost more than all other items. If your car is more than 10 years old, you may want to consider placing just liability (and possibly comprehensive) coverage on the vehicle and dropping the collision benefit. However, you should research the value of the car to determine if it is practical.
