Are you confused by the wide range of auto insurance choices in Vienna? Lot’s of other consumers are too. There are so many options that it can be a big hassle to locate the lowest price.
It’s a good idea to check auto insurance prices once or twice a year since insurance rates change regularly. Despite the fact that you may have had the best deal last year there is a good chance you can find better rates now. So just forget anything you know (or think you know) about auto insurance because you’re going to learn how to use online quotes to save money, get proper coverage and the best rates.
Buying car insurance in Vienna is easy if you know what you’re doing. If you currently have car insurance, you will be able to cut costs considerably using these techniques. But Virginia car owners must understand the way companies sell insurance online and use this information to your advantage.
How to Get Vienna Auto Insurance Comparison Quotes
There are several ways to shop for auto insurance, but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking to local insurance agents in Vienna, or you could use online quotes to accomplish the same thing much quicker.
Many companies participate in a marketplace where prospective buyers submit their information once, and every company returns a rated price based on that data. This system prevents you from having to do repetitive form submissions for each company. To compare pricing click here (opens in new window).
The one downside to doing it this way is that you can’t choose the providers you will receive quotes from. If you prefer to choose individual companies to request quotes from, we have a page of low cost auto insurance companies in Virginia. Click here to view list.
It’s up to you how you get prices quotes, just ensure you’re using identical deductibles and coverage limits for every company. If you use unequal deductibles or liability limits it will be impossible to make an equal comparison in Vienna. Slightly different limits can make a big difference in price. And when comparing auto insurance rates, know that having more price comparisons will increase your chances of finding a lower rate.
Don’t overlook these nine discounts
Companies offering auto insurance don’t always advertise all available discounts very well, so we researched both the well known and the more hidden savings tricks you should be using.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
- New Vehicle Savings – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
- Homeowners Savings – Owning a house in Vienna may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
- Multiple Cars – Insuring all your vehicles on the same auto insurance policy can get a discount on all vehicles.
- Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you will save at least 10% off all policies.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
- Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less than drivers with accidents.
- Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
- Good Student Discount – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.
To see a list of companies with discount auto insurance rates in Vienna, click here.
But I prefer to buy car insurance from an agent
Some people prefer to visit with an insurance agent and that is OK! The biggest benefit of price shopping on the web is that you can obtain the best rates and still choose a local agent.
Upon completion of this quick form, your coverage information is sent to agents in your area who will give you bids to get your business. You don’t have to visit any agencies because quoted prices will be sent straight to your inbox. How’s that for easy! It’s the lowest rates AND an agent nearby.
Picking a company shouldn’t rely on just the price. These questions are important to ask:
- Are there any discounts that you might be missing?
- Can glass repairs be made at your home?
- What insurance companies do they work with?
- Are claims handled at the agent’s location?
- How long have they worked with personal auto insurance coverage?
- How long has their agency been in business in Vienna?
- How much can you save by raising your physical damage deductibles?
- Is vehicle mileage a factor when determining depreciation for repairs?
Pick the best car insurance agent in Vienna for you
If you’re trying to find a good insurance agency, there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Vienna are either captive or independent.
Captive agencies can only write with one company and examples are American Family, Liberty Mutual and AAA. They generally cannot give you multiple price quotes so always compare other rates. Captives are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently choose to use a captive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-77.jpg" alt="Vienna Virginia car insurance quote”/>
Listed below is a list of captive insurance agencies in Vienna that can give you rate quotes.
- State Farm Insurance – 1953 Gallows Rd – Vienna, VA 22182 – (703) 847-6880
- Allstate Insurance – 1953 Gallows Rd # 185 – Vienna, VA 22182 – (703) 848-1800
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies.
When searching for an agent, you should always include price quotes from multiple independent agents for the best price selection.Many can place coverage with smaller companies which can save you money.
The following are independent agents in Vienna that can give you price quote information.
- Independent Insurance Svc – 8150 Leesburg Pike – Vienna, VA 22182 – (703) 883-8266
- Moton Insurance Inc – 386 Maple Ave E # 200 – Vienna, VA 22180 – (703) 281-9780
For a complete listing of Vienna insurance agents, go to this page.
After getting good answers to all your questions and a low price estimate, chances are good that you have found an insurance agency that meets your needs to properly insure your vehicles.
More detailed Virginia auto insurance information can be read at the Virginia Bureau of Insurance website. Visitors are able to find out industry alerts, read industry bulletins, report car insurance fraud, and view agent and company licensing information.
The following articles may also be useful.
- Lowest Rates from Vienna Auto Insurance Agencies
- Is Your Vienna West Virginia Auto Insurance Too High? Here is How to Save Money
Auto insurance coverage options
Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your vehicle.
Since a lot of drivers only carry the minimum required liability limits (25/50/20), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
Coverage for liability
Liability coverage will cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like medical expenses, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase 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.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as chiropractic care, EMT expenses, X-ray expenses, rehabilitation expenses and surgery. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible
Comprehensive auto coverage
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like theft, a tree branch falling on your vehicle, hitting a deer, hail damage and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Auto collision coverage
Collision coverage pays for damage to your vehicle caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Smart consumers save more
Drivers leave their current company for a number of reasons such as questionable increases in premium, high rates after DUI convictions, unfair underwriting practices or policy cancellation. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.
Budget-conscious auto insurance can be sourced both online as well as from independent agents in Vienna, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
We’ve covered many tips how you can save on auto insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the best prices are with some of the lesser-known companies.