The TV ads are true. You may be paying to much for your car insurance. And do not make the mistake of assuming that your present company is cutting you the best deal out of loyalty. Insuring cars is a very competitive business these days, and some companies offer discounts that you may not be taking advantage of. Since these discounts can range from 10% to 30%, and can also be cumulative, you may be able to slash your bill in half by doing a bit of research. If your present household premium is $200 a month, then you could be saving $1200 a year by taking a little time to check around.

For instance, some insurers offer a 15% discount for taking approved defensive driving or driver’s education courses. This discount really helps younger drivers, and it also helps drivers who have had a ticket or accident recently. Younger drivers who keep up a B grade average can also earn a discount from some insurers. The companies will use the high GPA as evidence of a student’s responsibility level in place of a driving history.

I have also seen 30% discounts for safety features or anti-theft devices. Insurers are very interested in minimizing claims activity, so anything that keeps you, and your car, safer will be likely to lower your premium rates. If you purchased a car with safety features or anti-theft devices, or if you added some of these features later, make sure that your insurer knows about them.

And some cars are just cheaper to insure than other cars. Your intuition may tell you that newer, and more expensive cars will cost more to insure than older or cheaper cars. This may be true sometimes. But the newer car may be considered safer by insurers. If the insurer’s claims history demonstrates that a certain vehicle tends to cause larger bills, then they will charge more to cover that car. Of course, high horsepower sports cars will usually cost more to insure than a sedate family car. And some people think that large SUV vehicles will always be safer than smaller cars, but an insurer may feel that those larger cars also cause larger claims.

Multiple policy discounts are a very popular way to save money. If you have more than one vehicle, or also need to insure a home, look into insurers who want to encourage consumers to place all of their business under one roof.

Of course, age, zip code, and driving history affect premiums. In fact, many of the big car insurers also take credit history into account these days. They believe that people with poor credit have demonstrated that they are also poorer car insurance risks. But every company has its own formula for calculating rates. You need to find the insurer who will give you a break for the things you do to make yourself a safer driver, and who will forgive a few things you may not have much control over.

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There are a number of ways you can cut down the expense of being a car owner, many of which are simple things that could have a significant effect over the course of your premiums.

First of all â?? why pay more than you have to for your car insurance? There are a number of potential discounts available to you which could save a considerable amount of money. Buying your car insurance online could save you as much as 25% off the premiums.

Also, do not get sucked in by unnecessary optional extras that you do not think you need â?? make sure you know what you’re paying for and that there are no boxes ticked which shouldn’t be.

Be sure to give your car insurance provider accurate details about the way you use your car so that you don’t end up paying for cover that doesn’t reflect your personal circumstances. For example, if you do not use your car to commute to work, and do not drive many miles each year, then giving this information to your insurance company could shave pounds off your car insurance quote.

The same goes for your car’s features, such as airbags, anti-lock brakes, and anti-theft devices such an immobiliser of alarm, which could all help to save you money on your car insurance. If you don’t already have these things, then you could consider getting some of them installed if you would save enough to make it worth your while.

You could also save money by telling your insurer if your car is stored in a garage or driveway instead of on the roadside â?? in a driveway it is safer from damage by other cars, and in a garage it has additional protection from thieves and your insurer will often reward you for this.

Some insurance companies offer a discount for drivers who have taken additional testing, such as Pass Plus test. If you do not have a no claims bonus, then this might help to bring your premiums down a bit while you build one up. There are also some car insurance providers that offer accelerated no claims discount deals, where you can build one up faster than usual.

Most important of all when trying to save money on your car insurance is to compare quotes â?? just because you have been with your car insurance provider since you started driving, doesn’t mean that they represent the cheapest cover on the market â?? shop around and find a policy which offers both the cover you need and good value for money.

Do you need auto insurance quotes in Virginia Beach? If the answer is yes – you have come to the right place. There is a website where you can compare multiple offers from major US insurance companies.

The process is really simple – you need to provide some info about yourself, the family members that need to be insured, and the vehicles on the policy and you will be presented with up to three auto insurance quotes in a matter of minutes.

It sounds easy and it really is. All you have to do is to choose the one that best fits your budget. You can pay online or over the phone thus saving time that you would have otherwise spend in talking with pushy insurance agents. Please note – these quotes are free and you are not obligated in any way to buy.

However before you go ahead keep in mind the following so you can get the best auto insurance quotes in Virginia. You are eligible for discount if

You are a safe driver and obey the law. It is a fact that you can get up to 10% off of your car insurance if you have had no driving violations in Virginia Beach for three to five years depending on the insurance company

Depending on your age you are eligible for discount in Virginia if you are 50 years old or older

Do not forget that if you want to get the best auto insurance quotes in Virginia Beach you might want to take a defensive driving course. If you are able to show a proof of the course upon request you may slash a good amount of money off your insurance premium

If you have a child that needs to be insured it will definitely increase your premium because teens have a greater chance of getting involved in car accidents. Keep in mind though that students with good grades might get an auto insurance discount. If your kids has takes driver’s education course it will lower your auto insurance rates even more.

Special features on your car can also bring the price of auto insurance down. In Virginia Beach if your vehicle has anti-lock brakes, air bags and anti-theft device you would definitely get additional discount

If you do not use your car too often because your job is close to where you live chances of getting involved in auto accidents are lower and for that reason you may qualify for another discount.

As you see there are a lot of factors in play when it comes to finding the best auto insurance quotes in Virginia Beach. It pays off to know them in advance.

You can call number of auto insurance agents and request quotes and spend a few hours on the phone with them or you can visit any of the websites that specializes in cheap auto insurance quotes in Virginia Beach and be finished in 15 minutes.

The beauty of this type of websites is that you get instant quotes from up to three A+ insurers in Virginia in a matter of minutes. Of course you can visit the websites of the major insurance companies, fill in their forms and get quotes but it is a time consuming process

The best part about that type of comparison websites is that you are under no obligation to buy anything. If the prices quoted fit your budget you can pay online or over the phone and get instant insurance. If not – you can just walk away.

That’s what I do to get the best auto insurance quotes in Virginia Beach every year when it is time to renew my auto insurance and it works fine for me. It is just like having the major insurance companies compete for my business. And the best thing is that I don’t have to even show my nose through the door to get the cheapest auto insurance rates in Virginia Beach.