Buying cheap auto insurance in Virginia can be easy as a walk in the park or impossible task if you don’t know how to obtain it. In order to get the cheapest possible one needs to know the discounts that are offered by insurance companies. Here follow list of discounts available to Virginia drivers. Use what you learn here and you will definitely qualify for a discount. How big the discount will be depends on how much you will apply this knowledge that you will obtain by the lines that follow as well as from the insurance companies.
– Defensive driving discount
Drivers that are at age of 55 age and older that will pass the defensive driving course are eligible for a discount. If you are part of that age group you need to provide a certificate issued within three years approved by the department of motor vehicles.
– Good driving discount
You can have this discount only if each of the drivers in your household have not had no at fault accidents or moving violations in the last three years.
– Multiple automobile discount
You can get this discount only if you place all of your vehicles of your households with one insurance company.
In order to be eligible for this discount you need to be no more than 25 years of age, at high school or a full time student, and to have a grade point of 3.0 out of 4.0 or higher.
– Passive restraint discount
Every vehicle equipped with a factory installed air bag or some other type of passive restraint which is made according the federal safety standards will receive discount on the premiums for income loss benefits and medical expense benefits.
– Student away discount
Students that study in a place that is at least 100 miles away, who keep their vehicle at home and who drive it only while they are home for holiday or vacation are eligible for this discount.
Almost every car insurance company in the state offers discounts for its loyal clients. If you keep a good driving record and you stick with one insurer for a longer period it’s highly likely that you will pay pretty low premiums on your car insurance.
– Name your spouse as second driver
This will qualify you for a discount only if your spouse has a clean driving record. Otherwise you will do the opposite, your premiums will increase. Therefore first check if your spouse has a clean driving record.
– Spend less time on the road
The fewer miles you do the higher the discount will be. You need to talk to your insurance agent about this and he will explain you how the system works with this type of discount.
Even so that the recommendations above can significantly reduce your premiums there is one more thing that can make even bigger difference. That is to get as many quotes as possible from as many auto insurance companies that operate in the state of Virginia. The fastest way is if you enter your zip above and get free quotes for comparison of auto insurance in Virginia.
