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.
