Car insurance is largely impacted by the age of the applicant. What you basically need to know is the general fact that cheap Virginia car insurance depends from many factors, from which age is one of the most important ones. Even though that are some common nominators each different age impacts insurance rates differently. For example, younger drivers are charged more because of their lack of driving experience and the sense of responsibility of the drivers of that age. On the other hand, as the driver gets older, his declining hearing and vision reflexes are regularly taken in account. However, knowing what to expect in different age and the available discounts makes it easy for you to keep your car insurance coverage under control.
Young drivers
In average, this age group pays the higher premiums. The main reason for that is the lack of driving experience and the teenage behavior. In addition to that, the statistics confirm that this age group is responsible for more traffic accidents than any other age group. But there are ways to reduce the auto insurance premiums. First of all, there is the defensive driving course which is at disposal for every other age group but needs to point out as very important in getting lower car insurance premium in VA. Finish this course and you will be surely awarded a discount considering that every insurer on the territory of Virginia is obligated by law to give discount to drivers that passed this course. Another way to get lower premiums is if you study well, that is if you have at least B average. Students in the State of Virginia can ask for a discount based on their average and if they can bring written proof about it the discount will be granted to them.
Adult drivers
Homeowners that have home and VA auto insurance with the same company are given the biggest discounts. The next best thing is keeping a clean driving record. The adult drivers with the cleanest driving records are the ones that pay the lowest premiums. Maintain your driving record clean and you will be surprised how low your premium can go. As you go old the premiums will go even lower. Adding your spouse name to the policy can further reduce your premium. Most if not all of the insurance companies see marriage as a sign of stability and responsibility and as a result of that they give such discounts. Of course that is supported with statistics about car accidents and married people.
Senior drivers
For discounts for seniors, you need to talk to your agent because every insurance company in Virginia has different types of discounts with different discount rates. Regardless if you had maintained a good driving record through the years you will pay really low premiums. Also, if you do less than 10.000 miles per year you need to tell that to your insurance agent and he will take that in consideration when making your new insurance policy.
Young or old, regardless, there is one more effective way to decrease your auto insurance premium. That is to find as much as quotes as possible. The easiest way to do so is to enter your zip code above and receive some of the lowest quotes possible. There is no better way to come to cheap Virginia car insurance rate.
