Trying to find the best auto insurance quotes in Virginia is a process that is more complex than most people make it out to be.
Sure, you’re going to be able to jump online and find hundreds of quotes (literally) from hundreds of different companies, but at the end of the day whittling down all of those options can be a real nightmare.
A lot of this has to do with the fact that comparing one plan to another – especially one plan from one company to the plan of another’s – can be such a challenge. Very rarely are you going to be able to find two identical coverage plans from competing companies. Most of the time you’ll be comparing apples to oranges.
Thankfully though, by arming yourself with all of the inside information we have to offer you below, you’ll find it becomes a lot easier to get the best auto insurance quotes in Virginia without much effort. Just leverage the tips and tricks below and you’ll be good to go!
Outline your expectations AND your needs ahead of time
The biggest mistake you can make when you’re looking for top coverage from Virginia’s best auto insurance companies is the mistake of not first outlining ALL of your expectations and your needs ahead of time.
By not outlining these critical details on your own you are totally at the mercy of your insurance company to establish your coverage parameters. They’ll be in the driver seat, and they’ll be dictating to you what your coverage is going to entail – and what it’s going to cost.
You’ll always get the short end of the stick that way.
By instead outlining your expectations in advance – and by breaking down your coverage needs in detail – you’ll have the control in the relationship right from the first moment. This puts you in an advantageous position to get better deals, better protection, and better prices without a lot of headache or hassle.
Take advantage of EVERY discount available
The overwhelming majority of insurance companies in the US – including those here in Virginia (especially in Big Stone, Roanoke, Norfolk, Arlington, and beyond) – understand that they are in a super competitive business environment, and also appreciate just how expensive it can be to win new business.
Because of this they are going to be highly motivated to offer you the deal of the century to bring your insurance business over to them. Most will move mountains – and deeply discount their coverage plans – to make sure that you’re as well taken care of as a new customer as possible.
This is where you leverage is going to be, and that’s why you’ll want to make sure you squeeze every discount out of these people as possible. Tell each the insurance companies you’re looking to work with that your business is up for grabs, but you aren’t comfortable moving to them while paying full freight.
Ask about discounts that you might be eligible for, but also press them for unadvertised savings opportunities that ALL insurances companies have by request. You’ll be sure to get the best auto insurance quotes in Virginia with this kind of approach!
Bump up your deductible as sky high as you can afford
Look, let’s be honest here – the overwhelming majority of drivers are almost never going to need their auto insurance, at least in the first year or so of coverage. The states bare this info out.
And that’s why you’re going to want to bump your deductibles as high as you possibly can. Not only will this action reduce your monthly premiums (sometimes by as much as 30% or more), and though you’ll be on the hook for higher out of pocket costs should you need insurance, the monthly savings give you the chance to build an emergency fund that you can dive into should the need arise.
It really doesn’t get much better than that!
At the end of the day, there are a lot of different opportunities for you to find the best auto insurance quotes in Virginia without giving yourself a headache along the way.
Take advantage of the tips and tricks we’ve established above, negotiate as hard as you can, and make sure you’re walking away with top coverage for the lowest price possible. You’ll be glad you did should you need this coverage in the future!