Buying affordable Manassas auto insurance online can seem to be challenging for consumers not familiar with comparison shopping online. When there are so many online companies available, how can anyone possibly compare them all to find the cheapest rates?
You need to price shop coverage every six months because prices are adjusted regularly by insurance companies. Even if you got the lowest rates a few years ago other companies may now be cheaper. So ignore everything you know about auto insurance because you’re going to learn the only way to reduce your cost while increasing coverage.
Locating the lowest cost protection in Manassas is quite easy. If you have insurance now or are shopping for new coverage, you will benefit by learning to cut your premiums while maintaining coverages. Virginia drivers just need to understand the proper way to get comparison quotes over the internet.
Most major insurance companies like Allstate, GEICO and Progressive provide coverage prices on their websites. Obtaining pricing doesn’t take much effort as you just type in the coverages you want as requested by the quote form. When the form is submitted, the company’s rating system automatically retrieves your credit score and driving record and generates pricing information.
Online price quotes simplifies rate comparisons, but the time required to go to different websites and complete many quote forms can be a bit repetitive. But it is imperative to get many rate quotes in order to get better auto insurance pricing.
The better way to compare rates
A quicker way to get multiple rate quotes is to use a quote form that obtains quotes from many companies. It saves time, eliminates repetitive work, and makes quoting online much easier to do. After your information is entered, it gets priced and you can choose your choice of the pricing results.
If you find a better price you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and can result in significant savings.
In order to find out how much you’re overpaying now, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you duplicate exactly as they are listed on your policy. This guarantees you will have rate quotes for similar coverage.
The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Certain discounts will be applied when you quote, but a few need to be asked for before you get the savings. If they aren’t giving you every credit available, you’re paying more than you need to.
It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. But any discount will reduce your overall premium however.
For a list of providers offering auto insurance discounts in Manassas, click here to view.
Having a good grasp of your auto insurance policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your vehicle.
Due to the fact that many Virginia drivers only carry the minimum required liability limits (which is 25/50/20), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.
Comprehensive coverage protects against claims such as damage from flooding, vandalism, theft, damage from a tornado or hurricane and hail damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision coverage – Collision coverage pays for damage to your vehicle from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like scraping a guard rail, driving through your garage door, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.
Auto liability insurance – This coverage provides protection from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like pain and suffering, emergency aid, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford. Virginia state law requires minimum liability limits of 25,000/50,000/20,000 but it’s recommended drivers buy higher limits.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills like dental work, surgery and prosthetic devices. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Much more information about auto insurance in Virginia is located on the Virginia Bureau of Insurance website located here. Virginia consumers can file complaints about a company, find out industry alerts, learn about specific coverages, and read industry bulletins.