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What You Need To Do To Save On Auto Insurance In Virginia

January 12, 2014 by

If you give ample consideration to the auto insurance laws in Virginia, you would be able to deduce the fact that driving in this state is no less a hassle. There are a plethora of regulations that you need to abide by with regards to getting insured, incurring no cost at all is impossible. This in turn means that you would now on have to deal with monthly premiums and other related costs.

Although this particular mindset is somewhat right, you cannot consider it as being ideal. The major problem that has come to be seen lately is that the only deciding factor that people take in to consideration is that of their price of their policy. Although this particular factor matters a great deal, it is not the only important aspect to be inspected while judging the policy. This lack of information results in people paying more than they have to; resulting in wastage of resources.

Now, there are certain guidelines that you can actually follow to be able to save quite a bit of money over your car insurance policy. To be honest, following these particular guidelines is going to make it easier for you to save hundreds of dollars over your auto insurance policy. So, if the hard earned currency holds value to you, then you would adhere to the following:

1. Price is not the only factor- if you think that a company should be chosen for the simple reason that it is offering low rates then you seriously need to think again. Don’t trust any other company right away for the simple reason that it is offering low quotes.  Make sure that the company and the agent are licensed by the Virginia insurance department. Considering the probabilities of insurance frauds, a non-licensed company might be useless when you need it. The next features that you need to take into consideration regarding the company are its financial position and stability as well as the level of its customer service. If the company is not financially stable then there are chances that it might liquidate in the future or it might lack sufficient funds to pay off any claim against you, when you require them. There might be some who would fulfill the above criteria, but their customer service will be incapable to deal with your problems and claims on time. A delay can cause problems with the court where the claim is filed. You can easily attain all this information from the website of the Virginia insurance department, rather searching extensively throughout the internet.

2. Never ever purchase unnecessary coverage- the fact is that there are there are particular coverage’s that you are bound to acquire as per Virginia auto insurance laws like auto liability insurance. This is to protect the rights of the other person in the accident; caused by your negligence. In addition to this there are numerous other coverage’s that are at the option of the insured. If you think about being safe than sorry, the premium cost would be extremely high, leaving you with nothing. It is better to ponder on the options available and rule out those which are applicable in situations which are least likely to occur. For example if your car is old and already has a low market value, then it does not seem smart to spend a high amount of premium on comprehensive or collision coverage’s. While on the other hand, if you have purchased the vehicle on installments, the the seller might require you to attain collision coverage, before making the deal.

3. Higher deductibles – make sure that you consider them- a majority of people these days tend to shy away from having to pay high deductibles. Their general priority is to get their hands on policies that provide low deductible. This approach is completely layman to be honest. It might sound logical to some that since they are getting an insurance policy in VA it is better that they do not have to pay a single penny out of their own pocket, and the insurance should pay for any damages and repair in case an accident occurs. This is not possible, since in every policy there is a deductible clause. This mentions the cost the insured would have to bear by his own if circumstances occur wherein claim will be initiated. Since, the insured has to pay some amount out of his pocket; they choose the next best thing that is to go for the least value of deductibles.  This in turn reflects in a higher amount of premium and greater amount of payments to be made until the insurance can be used. It is better to select a policy with higher deductible to the extent that you consider affordable for you.

4. Make sure that you acquire detailed information about the discounts that you might qualify for – there are certain companies out there that actually offer discounts over the premium amount. However, not every other company is going to follow the same rule with regards to the eligibility to individuals that qualify for a discount. These mostly include circumstance that reflects upon the company that the chances of a claim by the person are quite less. This might be because the person has got special certificates of defensive driving; signifying you an advanced level of driving; or because of an age factor. It is better to consult your agent on such criteria and your eligibility.

6. Carry out a comparison over the quotes that you acquire from various VA car insurance companies rather than getting a quote from a single company and spending all your time pondering and researching on it; it is better to attain quotes from different companies and compare them among each other to make best possible choices.

If you wish to acquire auto insurance quotes in VA and get in touch with them, there is nothing for you to worry about as you can now just type your ZIP code in the above box and get all the information in a mere 3 minutes. Compare all you want with no cost and reliable information!

Filed Under: Auto Insurance Information for Virginia Drivers Tagged With: , , , ,

Top 10 questions for your car insurance agent

January 5, 2014 by

When it comes to laws about car insurance in Virginia, the first thing to remember is that car coverage is mandatory and anyone that does not comply with that can be penalized or fined. However, what is in your hands is how much you will pay for your car insurance and what type of coverage you will choose. Talking to your insurance agent is the best way to find out what’s best for you and what you need. But, before you talk to him you need to be prepared with good questions regarding your car insurance. The better your questions the more you will be confident that he will watch over your interests and not only the interests of the company in which he works. Here follow ten good questions that your insurance agent needs to answer before you buy or renew your car insurance policy.

10. What types of car insurance are you required to buy?

The agent needs to explain you what’s the minimum as well as the other types of coverage available. Based on what you hear you will need to choose the optimum coverage that suits your needs. The insurance policy must have the minimum limits of liability: $25.000 for injury or death of one person and $50.000 for two or more persons, and $20.000 for property damages. Any car insurance policy needs to include;

–              Bodily injury and property damage liability

–              Underinsured/uninsured motorist coverage

9. How and does your credit score influence your premium?

Many insurance companies take in consideration the credit rating when they assess risk and make premiums. You need to ask your agent if his company takes that in consideration and how it affects your premium. In any case if you have a good credit rating you’ll be fine, otherwise you will need to think twice before you renew your insurance policy with that company.

8.  Does he charges you fees over and above his commission?

Some car insurance agents are allowed to charge their clients for services such as faxing, photocopying and mailing. You need to ask him if he keeps a schedule of fees. That way you can check if he is overcharging you for those services or you can call another agent and check that with him.

7. What if you opt for limited right to a lawsuit?

You can get a significant reduction on your premiums if you opt for that. Your agent needs to explain what limited right to a lawsuit is, the limitations of it and how it will affect your premiums.

6. How much discount you can get if you pay upfront in full?

Every insurance company offers different discounts if you opt to pay upfront in full for the year. You will surely get some discount the only thing is how big the discount will be. The discounts they offer vary from company to company.

5. How your traffic violations affect your premiums and when they will stop to be taken in consideration?

Most of us the drivers have at least one traffic violation that haunts our premiums and make them what they are. However, there is a time limit to every violation and your insurance agent knows that. Therefore talk to him and see what he tells you, it’s very likely that he will tell you when your old traffic violations will stop affecting your premiums.

4. Can you get a discount if you drive less than 7.500 miles per year?

Your agent needs to tell you that if you drive less than 7.500 miles per year you are automatically qualified for discount. The insurance companies largely base the premiums on how much time people spend on the roads and the highways. The more time you are on the road the bigger the chances for some sort of traffic accident and vice versa. How much discount they will grant you depends from their company policy?

3. How frequent claims affect the premiums?

This is very important because it can significantly raise your premiums. The more claims you make the higher your premium will go. Frequent claims equal to higher risk and higher risk equals to higher premiums, according to the insurance companies. It doesn’t have to be your fault for the accidents and yet you to end up with higher premiums. Your insurance agent needs to explain you how claims affect premiums.

2. Ask him to check your driver’s record if all the data are correct and updated?

Incorrect or out of date data’s can make your premium high. For an example, if in the past you parked your car on the street but now you have a garage you need to ask your agent to take that in consideration and update your policy with that. That alone can mean lower premiums, how much it varies from company to company.

1. Ask the insurance agent to give you a list of types of discounts that are offered to their clients?

Knowing all the types of discounts can help you focus on what to do to lower your premiums. Nowadays the insurance industry is one of the most competitive industries in the world. As a result of that they offer plenty of advantages and discounts to their clients. The more you know about all the advantages the better as you can ask for different types of discounts. Your insurance agent should have the time and patience to explain you about the different types and what does it take to obtain them.

The most important question to ask your insurance agent is not on this list and that is if he is giving you the lowest possible offer. If you want to check that you need to compare quotes from different companies. If you have few minutes just enter your zip above on this page. That will help you compare your agent’s offer and the offer from other companies. There is no better, faster and more efficient way to find the cheapest car insurance in Virginia.

Filed Under: Virginia Auto Insurance For Low Income Earners Tagged With: , ,

The Right Time to Talk to Your Virginia Auto Insurance Agent

January 3, 2014 by

As with the other states when you need new or you want to renew your old car coverage, you call or go to fully licensed Virginia auto insurance agent. In addition to that the insurance agent is someone who understands your auto insurance in full and who you need to talk when you have some question regarding that. However, that doesn’t mean that you need to call him every time day or night when you have some doubt. Here are few situations when it’s a good idea to call him so he can explain you what’s their company’s policy on those matters.

Before you buy a new car

The model, the type of the vehicle, its price and its safety features, all that can significantly affect your premiums. However, generally speaking the cost of the vehicle if what makes the biggest impact on your car insurance premiums. The more expensive your vehicle will be the higher your premiums. Exactly how high only your insurance agent knows because every insurance company calculates that differently.

Before you borrow your car to a friend or family

If you borrow your car to a friend you know that in case of an accident your premium can get hurt as well. Therefore talk first to your insurance agent if you often borrow your car to your friends.

Before you add your spouse or child to your policy

First of all when you are married you qualify for discount. Companies see that as positive sign and as a result of that they reward married people with lower premiums. Adding your spouse on your policy can earn you additional discount only if he or she has a good driver’s record, otherwise it can raise your premiums. Talk to your insurance agent and ask him what he thinks regarding that matter. Adding your teenage son or daughter to your policy won’t bring you any discount, but it will surely raise it. Teenage drivers are considered one of the riskiest groups and pay the highest premiums.

Before moving in another neighborhood

The area where you live strongly affects your premiums. If you live in an area with high crime rate you get to pay higher premiums. You can have the perfect driver’s record but if you live in such area plus you park your car on the street there is no escape from high premiums.

Before renewing your car policy

This is probably the best time to call your agent unless he calls you first. At this point you need to ask him to give you a quote. You need also to mention him that you will look for other quotes as well. That should shake him a bit and motivate him to give you a better, lower quote. Regardless of that it’s always a good idea if you get quotes from other insurance companies as well. The best and the fastest ways to do so is if you enter your zip above on this page and compare free quotes for top savings. This is the fastest way to find cheap auto insurance in Virginia.

Filed Under: Virginia Car Insurance Frequently Asked Questions (FAQ) Tagged With: , ,

List of Car Insurance Discounts in Virginia

January 2, 2014 by

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.

AutoInsuranceInVirginia–              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.

–              Good student discount

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.

–              Loyal customers 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.

Filed Under: Virginia Car Insurance Frequently Asked Questions (FAQ) Tagged With: , ,

Do’s and Don’ts Guide to Young Driver’s Virginia Car Insurance

January 1, 2014 by

Coverage of auto insurance in Virginia for young drivers is eye-watering. Almost by default young people under the age of 25 are destined to pay high premiums. However, there are ways to lower your premiums regardless the age. This guide can help you to do so. All you need to do is to stick to the Do’s and Don’ts recommendations that you will find in this article.

Do – try to add a second more experienced and responsible driver to your policy

This will surely decrease your premiums. For an example, if you add a 40-year old family member with clean driving record you add some “weight” to your policy which will be seen as a positive sign by the insurance companies and they will grant you a discount. Even if that family driver does not use the car so much you will have your premiums.

Do not – put someone else’s name first on your policy if it’s your car

Many young drivers put their parent’s as main drivers so they can cut insurance costs. However, that is called fronting and it’s illegal. If caught this can stain your driver’s record permanently and can even lead to prosecution, therefore do not do it.

Do – inform your insurer about some special circumstances and changes

You need to inform your insurer if something is change that affects your car policy, something such as you modified car or you expect to drive more than 7.500 miles a year. In case you forget to mention that to your insurer and you want to make a claim, even for an issue not related to that, your policy can become invalid. Even if you change your address you need to call your insurer and notify him about that. On the other hand canceling an insurance policy due to a fraudulent claim can be very difficult and very expensive. Not to mention that it will go into your driver’s record and will affect your premiums for the rest of your life.

Do not – pimp your vehicle

Your vehicle might look cool and sound great but it won’t do any good to your car insurance premiums. The more you modify your vehicle the higher your premiums will be. A modification is considered anything that is not part of the standard vehicle specification, even alloy wheels are considered as such.

Do – bring all of your insurance policies under one roof (company)

If you give all of your car policies or any other type of policy to one company you will make your insurance agent very happy. Insurance companies love that and will surely award you with great discount. The more business you bring them the bigger the discount.

Do not – be tempted to lie

When it comes to car insurance there is one simple and golden rule that says: “Tell them the truth and nothing but the truth”. Otherwise you risk prosecution and premiums as high as Mount Everest.

Do – Enter your zip above to compare free quotes and see how much you can save.

There is no better way to find affordable Virginia auto insurance.

Filed Under: Virginia Car Insurance Frequently Asked Questions (FAQ) Tagged With: , ,

Top 5 Car Insurance Factors that Affect Your Premiums Which You Cannot Control

December 23, 2013 by

Anyone’s car insurance is affected by two sets of factors; ones that you can influence and ones that you cannot control. This is about the ones that you cannot control.

Car insurance in Virginia or in any other state is influenced by many factors. How high or low your car insurance premiums will be is something that you can control only to a certain point. There are some unchangeable auto insurance factors that will affect your premiums regardless of your actions. Here is a list of the unchangeable factors that affect your car insurance coverage:

Your age

Teenagers pay the highest car insurance premiums and there is nothing to do about it. The insurance companies justify that with the statistics that say that people under the age of 25 are more likely to be involved into accident than people older than 25. Also, there is a statistic that says people between ages of fifty and sixty five have the smallest chance to get into some sort of traffic accident. It’s more than obvious that you can’t do anything about that, apart from to live long enough to get low rates.

Your gender

Almost unbelievable but according to the statistics women are safer drivers than men. As a result of that they get lower rates. Therefore if you are a man you will have to live with that, unless you want to change your gender because of the lower car insurance premiums.

Your marital status

There is a small ultimatum here: Get married or pay high car insurance premiums! It might look like a changeable factors but the truth is that hardly who gets married or divorced because of his/her car insurance premium. Car insurance companies see marriage as a sign of stability and as a result of that point of view they give lower premiums to married people.  Therefore if you are still not married you got one more reason to start looking for the love of your life.

Car theft in your area

This is only changeable only if you are the mayor of the city or a superhero that can fight crime, otherwise it falls into the unchangeable factors. Car insurance companies always take the crime rates in your area as a risk factor. Probably you can move into a neighborhood with less crime but then whoever did that because of the car insurance premiums. The only thing that you can change is your next address if you ever move and hope that the crime rate won’t rise over there as well.

Your bad luck

Let’s assume that you are one of those people that are always on the wrong place in the wrong time and as a result your car is often hit or damaged. And because of that you make frequent claims, which is pretty logical. Insurance companies don’t like that even so that every single time is someone else’s fault. The consequence of your bad luck will be increased premiums and there is not much you can do about that, it’s not like you can change your luck overnight. You can try to pay from your own pocket for the smaller damages, but for how long? And what’s the point of that if you are already insured.

Regardless of all that there is one simple thing that you can do and that can make a great difference for your car insurance premiums. Simply enter your zip code in on this page and you can get a great number of free quotes from plenty of companies that offer Car insurance in Virginia.

Filed Under: Virginia Car Insurance Tips Tagged With: , ,

Everything Every Driver in Virginia Has to Know About Car Insurance

December 22, 2013 by

Most people do not know much about Virginia car insurance or about the laws that relate to that. Not to mention what are their rights in relation to those laws and what the insurance companies have the right to do and what not to do. As a result of that insurance companies sometimes take advantage of that ignorance and do as it suits them. If you don’t want to be a victim of your own ignorance here are some of the most important things that every driver in Virginia should be aware of. Knowing a thing or two not only will help you to deal with insurance companies but at the same time will help you to find cheap insurance coverage.

First of all you have the right to cancel and buy a new coverage at any time it suits you and at the same time to ask for foundation. The insurer is obligated by the car insurance laws to comply with that. The insurance companies often forgot to mention that because they don’t like such deals. This can come handy if you find a better and cheaper coverage and you want to get rid of your old insurer. If that is the case you have every right to do so and no insurer has the right to legally do something about it.

Ask your agent about his fees. Some insurers allow their agents to charge their clients with additional fees for services like faxing, mailing, photocopying. The agent must give you a schedule of fees in his office. If you think that he is overcharging you than you probably need to look for another insurance agent. However, before you do that it is for the best if you check other agents’ fees as well. That way you can be 100% sure that your agent is overcharging you or not. In addition to that you can also check if the insurance company has some additional fees that are not included in the annual premium for which you are not aware of that can increase the sum that you need to pay.

Many drivers are often turned down by many insurers just because they had some car accident or traffic violation.  However, that does not mean that you won’t find one that will accept you as a client. The reason for that is because many companies with low premiums have underwriting standards. If you keep on trying you will eventually find one. It’s highly likely that some of the companies that have higher premiums will have you as their client. In case you still can’t find any company to make you a car insurance policy you can ask for a policy from the Virginia Automobile Insurance Plan. Any licensed insurance agent that works on the territory of the state of Virginia can ask in your name for such policy. This policy should be your last resort because it costs much more than the ones made from the private companies.

When you go to an insurance agent you are not obligated to tell him if you have some traffic violation or car accident that is really old. According to an act in 1974 you have the right not to mention that, that is if a long period of time has passed since then. There is no reason why not to take advantage of that act, especially if you have some traffic violation that you did as a teenager. There is no reason why to pay now for your teenage mistakes. That can help you keep your premiums to a more reasonable level. On the other hand if the insurance agent knows about it you better be prepared for high premiums.

Limited right to a lawsuit does not mean no right to a lawsuit. Most of the people understand the word limited as no right even so it means that there are cases when you can sue the party that caused the accident. Limited right to a lawsuit means that you can sue someone only in some of the following cases: loss of body part, loss of fetus, significant scarring, significant disfigurement, permanent injury or death.

Every insurer is obligated to award you a discount if you have passed the defensive driving course. All you need to do is to provide a written proof that you have passed the course and you can have lower premiums. Also, the Virginia law says that every person of 55 years of age or older that passes the motor vehicle accident prevention course automatically should be given a reduction in premiums. How much the reduction will be is determined by each insurer. Once you pass the course you can have reduced premiums in the next three years. Therefore, knowing that you need to ask around if you want to know which insurance company in the state of Virginia gives the biggest reductions.

Frequent claims can skyrocket your premiums as well even if it’s not your fault for the accident. They won’t speak about that openly but that’s exactly what they will do. They will look to you as an increased risk and you can say good bye to your low premiums. The fact that you have clean driving record, that it’s not your fault for the accident, that your car is equipped with the latest safety features, that you passed the defensive driving course won’t do you much good. Your premiums will be still pretty high compared prior to your claims. The best way to deal with that is not to make claims for every little thing. If you want to keep your premiums low you need to pay for some smaller damages from your own pocket.

One more thing that most insurance companies rarely tell their clients is that they can get free quotes from a great number of companies and that it can be easily done. If you are truly interesting in finding the cheapest car insurance in Virginia just enter your zip above on this page and wait a while. For only short period you will be able to choose from great deal of offers from some of the best insurers in the state.

Filed Under: Virginia Car Insurance Tips Tagged With: , ,

All You Need to Know About Car Insurance in Virginia

December 21, 2013 by

Auto insurance in Virginia is pretty much the same as in most states. Regardless, the better you know it the better your chances to get low premiums. That and few tips how to get affordable car insurance are described in here.

The auto insurance laws in Virginia are pretty much the same as in any other state with few differences. As in other states the better you understand them and know, the better your chances to get lower premiums. How much you pay for your car insurance depends on several various factors that can be divided in two categories. One category is made of factors that you can’t influence in some way and other is of factors can be influenced by you and your choices. How you will use that it depends from you and your ability to adjust to those circumstances. Here follow few practical advices and explanation on how staff works and are done in the world of car insurance in Virginia.

Know car insurance in Virginia

Do you know what your auto insurance actually covers? Even so you buy a single policy covering one specific vehicle, a number of components add up and make the full cost. Every driver on the roads and highways in Virginia is required to have at least minimum coverage which is: Bodily injury/death of one person $25.000 or $50.000 for two or more persons. In addition to that the insurance policy needs to cover property damage up to $20.000.

What affects your car coverage the most?

Car insurance is affected by various factors from which some are based on your actions while others are fixed and there is nothing you can do about. For an example your age is something that you can’t change. If you are a teenage driver you will pay high premiums. Why? Well,  Not because you are a bad driver but because you are a teen driver and all teens are categorized as risky drivers, no place for exceptions. Or another good example is your marital status. Once again you might have the perfect driver’s record but if you are unmarried you will pay higher premiums as oppose of if you were married. The only thing that you can do is to get on your knees, propose to your girlfriend and hope that she will say yes for your car insurance sake if not for other reason. The factors that influence the car coverage premiums are: driver’s record, age, where you live, past traffic violations, credit rating, model and type of your vehicle, marital status, etc.

How to find affordable car insurance in Virginia?

You look for affordable auto insurance in Virginia as same as you do in any other state, you go online. Nowadays, you need an internet connection, PC or even smartphone, few minutes of your time and you can find the cheapest car insurance in the state. You can instantly get a great number of free quotes from plenty of car insurance companies. If you want you can do that right now, all you need to do is to enter your zip above on this page and you will find the most affordable auto insurance coverage in the state of Virginia. It’s fast, efficient and easy.

Filed Under: Virginia Car Insurance Tips Tagged With: , ,

Top 10 Factors that Can Increase Your Car Insurance Premiums in Virginia

December 20, 2013 by

How much you pay for your car insurance in Virginia is affected by all sorts of factors. However, each factors caries different weight and affects your premium differently. While some insurance companies rely on one set of factors, others rely on another set of factors. That is something that largely depends on the company policy and what the strategy that the particular insurer has. Here are some of the most common factors that almost any insurer considers when your premiums are made.

10. Age

Age can strongly affect your premium. For an example teenage and older people in average pay the highest rates regardless their individual driving skills. Just because you will fall in that category you will pay high premiums. On the other hand middle aged drivers with clean driver’s record pay the lowest premiums.

9. Marital status.

Married people are considered to be more responsible drivers and as a result of that they are given lower premiums. Single people on the other hand are so to speak penalized by the insurance companies for not being married and are given higher rates. The solution is more than obvious: get married.

8.  Safety features

The existence of alarm system, automatic seatbelts, airbag, ABS and/or other safety equipment automatically qualifies you for discount. On the other hand if you have no safety feature in your vehicle you will pay higher premiums. This is pretty important to every car insurer and strongly affects the premiums.

7. You do badly at school

You are full time student but you have a low average. Too bad because if you had an average B or higher your premium would be much lower. Your driving abilities won’t help you as your performance at school. Once again the solution is pretty obvious; hit the books if you want to pay lower premiums. Most of the insurers see the high average as a sign of responsibility and that is why they take that step.

6. Mileage

According the logic of the insurance companies the more time you spend on the road the better your chances to be involved in some sort of traffic accident. As a result of that they award you with higher premiums regardless if you were or were not involved in any traffic accident. On the other hand if you drive less than 7.500 miles per year you need to notify your insurance agent about it. That qualifies you for discount. How much the discount will be it depends of the company policy and how they calculate risk? Therefore if you need to decrease your mileage consider public transportation, biking and walking as alternative means of transport.

5. Defensive driving course

Many people don’t bother to take the defensive driving course even so that it’s pretty easy one and doesn’t take too much time. Every insurer in Virginia will grant you a discount if you provide a proof that you have passed the course. The car insurance companies are obligated by law to give you a discount if you show them your certificate that you have passed the course.

4. Expensive vehicle

Things are pretty simple in this department, the more expensive or newer your vehicle is the higher your premium. The reason why is so is because if you are involved in an accident the vehicle will cost much more to repair than some used or less expensive vehicle. If you intend to buy an expensive vehicle you better be prepared for high premiums because they will be waiting for you and there isn’t much to do about it. This is pretty much the same with any insurance company in the world, not only in Virginia.

3. Credit rating

The credit rating is considered as one of the most unfair and at the same time the most controversial factors that are taken in consideration when the insurer is making your premiums. According to the insurers the lower your credits score the higher risk you are and with it your chances to be involved in some sort of traffic incident are much higher. However, there are some insurance companies that don’t take this in consideration. So, if you have a bad credit score you need to look for insurers that don’t take that in consideration. There might be not many left but if you look harder you will surely find one. On the other hand if your credit score is good you can relax and worry less about your premiums.

2. Traffic violations and accidents

Past car accidents and other traffic violations can make your premiums reach to the sky. Nothing speaks more to an insurance agent than your past sins on the road. There is nothing that you can do about it if they are written in your driver’s record. On the other hand if long time has passed from the time you can opt not to tell your insurance agent. There is an act from 1974 that gives you the right to do so. If your insurance agent knew about that your new one does not have to and you have the law on your side not to tell him that.

1. Driver’s record

This is the most important factor. This is where all of your past as a driver is gathered. Every insurance agent bases large percentage of his assessment on what is written in that record and your premiums with that are largely affected. The cleaner it is the lower your premium will be and vice versa.

In addition to all that was already said about car insurance in Virginia

and how it works, there is one more thing to have in mind if you want to find the best deal. That is to ask for quotes from as much as possible car insurers. If you want to do that right away just enter your zip above on this page and you can have your free quotes. No factor can influence more your premium than using this online tool to get free car insurance quotes in the state of Virginia.

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5 Effective Ways to Lower Your Auto Insurance Premium in Virginia

December 19, 2013 by

When it comes to car insurance in Virginia, there are a plenty of factors that can raise or lower your premiums over which you have zero control. Vast majority of the drivers out there think that they are number one drivers, but the thing is that most of us still feel the pain of being teenage drivers and having to pay more for the same car than our crazy friend who lives in our neighborhood. That’s the bad news; the good news is that there are still plenty of factors that influence your premium over which you have considerable control.

Here follow five factors that you have considerable control over which the insurance companies use to determine your premiums.

5. Take a defense driving course

LowCostAutoInsuranceInVirginiaAny insurance company operating on the territory of the state of Virginia is obligated to give you a discount if you provide a proof that you haves passed the defense driving course.

4. Stick with one insurance company

Loyalty is always rewarded when it comes to holding to one car insurance company for more years. The thing is they spend top dollars in advertisement and they know that. They also know that it costs much less to keep their customers than continuously investing in advertising. That is why they give great discounts to their loyal clients. If you stick with one company for a longer period you will be surprised how low your premium can be and it will be really hard for you to find a cheaper policy in case you decide to leave them because of some reason.

3. Pay upfront

Most of the insurers offer great discounts if you pay ahead upfront in full versus monthly payment plan. If you have the money this can save you a good amount of money. Even if you want to switch companies they are obligated to refund you the money for the days that you won’t be under their coverage.

2. Drive less

Almost any insurance company in Virginia will give you a discount if you lower your yearly mileage. For an example if you start using public transport more frequently you can reduce your yearly mileage and qualify for a discount. According to the insurers logic the less time you spend on the road there is a much smaller chance for some sort of traffic accident. It makes sense and if possible in your case you can take advantage of that.

1. Take care of your credit score

This is something that plenty of insurers use as a way to assess your risk when they make your premiums. However, most does not mean all. If you have a bad credit score check out if your insurer takes that in consideration. That cans serve you as a hint whether you need a new insurance company or you want to stick with the old one.

These are all good tips for lowering your premiums but if you truly want to pay the lowest possible premiums you need to get as many free quotes as possible. You can do that this very moment, all you need to do is to enter your zip above on this page and you will have free quotes from great companies of car insurance in Virginia.

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