Secret Strategies for Buying Portsmouth Virginia Auto Insurance at a Discount

Finding the best price on Portsmouth auto insurance is challenging if you are a beginner to online rate quotes. But don’t be discouraged because we’re going to show you how.

It’s a good habit to compare rates every six months since insurance rates change frequently. If you had the lowest price a year ago you can probably find a better price now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

Choosing the best insurance company for you in Portsmouth is not that difficult. If you are insured now or need new coverage, you can use this information to get lower rates and possibly find even better coverage. Virginia vehicle owners just need to learn how to shop for auto insurance on the web.

How much can you save with discounts?

Companies offering auto insurance don’t always list every available discount very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit you qualify for, you are throwing money away.

  • Senior Citizens – If you’re over the age of 55, you may qualify for better auto insurance rates.
  • Homeowners Savings – Being a homeowner can help you save on auto insurance because owning a home requires personal responsibility.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Accident Forgiveness – A few companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% depending on your company.
  • Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.

For a list of insurers with the best auto insurance discounts in Portsmouth, click here to insurance image

How to Compare Auto Insurance in Portsmouth

Shopping for lower auto insurance rates can be a lot of work if you don’t utilize the most efficient way. You can waste hours talking about coverages with agents in Portsmouth, or you could use the web to achieve your goal.

Many insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company can provide price quotes based on that data. This prevents consumers from doing quote requests to every company.

To compare rates using this form now click here to open in new window.

The only downside to getting quotes like this is buyers cannot specifically choose which carriers you want to price. If you prefer to choose specific providers to request quotes from, we have a listing of companies who write auto insurance in Virginia. Click to view list.

However you get your quotes, make absolute certain that you use the exact same coverage limits on every quote you get. If you compare higher or lower deductibles then you won’t be able to decipher which rate is best in Portsmouth.

free Portsmouth insurance quote

Summing up your auto insurance search

Cheap auto insurance can be bought from both online companies and also from your neighborhood Portsmouth agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Drivers who switch companies do it for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, high rates after DUI convictions or even questionable increases in premium. No matter why you want to switch, switching auto insurance companies is not as difficult as it may seem.

Throughout this article, we presented a lot of techniques to compare auto insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the most savings is with some of the lesser-known companies.