Do you want to learn to get more competitive auto insurance rates in Manassas, VA? I really doubt anyone loves paying for auto insurance, especially knowing they are paying too much.

Astonishing but true according to a recent study, most drivers kept their policy with the same company for four years or more, and 38% of drivers have never even shopped around for lower-cost coverage. Manassas consumers could save nearly $550 every year by just comparing quotes, but they won't spend time to find lower-cost insurance by shopping around.

Big-name insurance companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with ad campaigns and it can be hard to see through the deception and do the work needed to find the best deal.

It's smart to check auto insurance prices periodically because auto insurance rates trend upward over time. Just because you had the lowest premium rates on auto insurance last year you can probably find a lower rate today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to one of the easiest ways to get good coverage on auto insurance at a lower rate.

If you have coverage now, you will definitely be able to save money using the ideas covered in this article. Locating the best rates in Manassas seems hard but is not really that difficult. Although Virginia consumers must know how big insurance companies market insurance on the web.

Car insurance companies in Manassas

The car insurance companies shown below provide price quotes in Virginia. If more than one company is shown, it's a good idea that you compare several of them in order to find the lowest rates.

Insurance Rates for Popular Vehicles in Manassas
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $606 $303 $51
Chevrolet Silverado LT Regular Cab 2WD $1,046 $523 $87
Dodge Ram Crew Cab ST 2WD $1,196 $598 $100
Ford Edge SEL AWD $666 $333 $56
Ford Escape XLS 4WD $754 $377 $63
Ford F-150 XLT Regular Cab 2WD $802 $401 $67
Ford Focus SE 2-Dr Coupe $912 $456 $76
Ford Fusion SEL AWD 4-Dr Sedan $1,148 $574 $96
GMC Sierra SLT Extended Cab 4WD $984 $492 $82
Honda Accord EX-L 2-Dr Coupe $782 $391 $65
Honda CR-V EX-L 2WD $678 $339 $57
Honda Civic EX 2-Dr Coupe $1,084 $542 $90
Kia Optima EX $892 $446 $74
Mazda 3 S Sport 4-Dr Sedan $970 $485 $81
Nissan Altima 3.5 SR 2-Dr Coupe $960 $480 $80
Toyota Camry LE $684 $342 $57
Toyota Corolla XRS $828 $414 $69
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in specific Manassas garaging location which can decrease or increase coverage prices considerably.

Choosing deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The comparisons below show the price difference when you select higher and lower physical damage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Elantra insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $174 $276 $218 $12 $66 $771 $64
Elantra Blue 4-Dr Sedan $174 $394 $258 $16 $78 $945 $79
Elantra GLS 4-Dr Sedan $198 $394 $258 $16 $78 $969 $81
Elantra SE 4-Dr Sedan $198 $394 $258 $16 $78 $969 $81
Elantra SE Touring Station Wagon $198 $336 $218 $12 $66 $855 $71
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Hyundai Elantra insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $140 $222 $218 $12 $66 $658 $55
Elantra Blue 4-Dr Sedan $140 $318 $258 $16 $78 $810 $68
Elantra GLS 4-Dr Sedan $162 $318 $258 $16 $78 $832 $69
Elantra SE 4-Dr Sedan $162 $318 $258 $16 $78 $832 $69
Elantra SE Touring Station Wagon $162 $270 $218 $12 $66 $728 $61
Get a Quote for Your Vehicle Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in vehicle location which can decrease or increase premium rates significantly.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $11 more each month or $132 every year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 23 months between claims, you would probably be better off if you choose a higher deductible.

Discounts for lower Manassas auto insurance rates

Insuring your vehicles can cost a lot, but there are discounts available to cut the cost considerably. Some discounts will apply when you quote, but some may not be applied and must be requested specifically in order for you to get them.Discount auto insurance

Remember that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Despite the fact that it seems like it's possible to get free car insurance, companies wouldn't make money that way.

Auto insurance companies that may offer quotes with some of the above discounts possibly include:

Before you buy a policy, ask each company which discounts you may be entitled to. Some credits might not be offered on policies in Manassas. To view companies with significant discounts in Manassas, follow this link.

What impacts Manassas car insurance premiums?

Multiple criteria are part of the equation when pricing auto insurance. A few of the factors are predictable such as your driving history, but some are not as apparent like your continuous coverage and annual miles driven. Consumers need to have an understanding of some of the factors that go into determining the price you pay for car insurance. If you understand what influences your rates, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The factors shown below are some of the major factors companies use to determine rates.

Impacts performance impacts rates - The performance level of the car you are buying insurance for makes a big difference in your rates. Lower performance four cylinder passenger models receive the most favorable rates, but that's not the only thing that factors into the final price.

Which gender costs less? - Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn't mean men are worse drivers. Both genders cause accidents in similar percentages, but the male of the species get into accidents with more damage. Not only are claims higher, but men receive more costly citations such as DWI and reckless driving.

If you don't need it don't buy it - Insurance companies have many extra coverages that can waste your money when buying car insurance. Coverages for rental car coverage, accident forgiveness, and additional equipment coverage are some examples. These coverages may sound good when talking to your agent, but now you might not need them so consider taking them off your policy.

Car features impact premiums - Selecting a car model with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft.

Pay less with a high crash test rating - Cars with five star safety ratings can get you lower premiums. The safest vehicles reduce occupant injuries and better occupant protection means less money paid by your insurance company and thus lower rates.

Married people drive safer - Your spouse may save some money when shopping for car insurance. Marriage may mean you are more financially stable it has been statistically shown that married drivers tend to file fewer claims.

The higher your credit score the lower your costs - A driver's credit history is likely to be a major factor in determining your rates. Therefore, if your credit score can be improved, you could save money insuring your vehicle by improving your rating. Consumers who have very high credit ratings tend to be more responsible than drivers with poor credit scores.

Don't assume everyone needs the same insurance coverage

When it comes to adequate coverage for your vehicles, there really isn't a best way to insure your cars. Your needs are not the same as everyone else's and a cookie cutter policy won't apply.Drive safe and save Here are some questions about coverages that may help you determine whether you may require specific advice.

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Insurance quotes from local Manassas insurance agencies

Certain consumers just prefer to talk to an insurance agent and there is nothing wrong with that. One of the best bonuses of comparing insurance online is the fact that you can find cheap insurance rates but also keep your business local. And supporting local insurance agents is definitely important in Manassas.

Find insurance agent in ManassasTo help locate an agent, after submitting this quick form, the coverage information gets sent to agents in your area that provide free Manassas auto insurance quotes and help you find cheaper coverage. There is no reason to leave your computer because quoted prices will be sent straight to your inbox. It's the lowest rates and a licensed agent to talk to. In the event you want to compare prices from a specific company, just search and find their rate quote page and complete a quote there.

The different types of auto insurance agents

When searching for a local insurance agency, you should know the different types of agents and how they are distinctly different. Insurance agencies in Manassas can be described as either exclusive or independent (non-exclusive).

Independent Insurance Agents (or Brokers)

These type of agents can sell policies from many different companies and that gives them the ability to insure through many companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier and you won't have to switch agencies. When comparison shopping, we recommend you get insurance quotes from several independent agencies in order to compare the most rates.

Exclusive Insurance Agencies

Agents that choose to be exclusive have only one company to place business with and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to provide other company's prices so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on what they offer which helps them compete with independent agents.

Choosing the best insurance agent should depend on more than just a cheap price. Any agent in Manassas should be forthright in answering these questions:

Are you falling for claims of savings?

Popular insurance providers such as State Farm, GEICO and Progressive continually stream ads in print and on television. All the companies make the point that you can save if you move your policy. How is it possible that every company can claim to save you money? It's all in how they say it.

All companies have a preferred profile for the type of insured that will most likely be profitable. An example of this type of risk profile could possibly be between the ages of 30 and 45, is a homeowner, and has a high credit rating. Someone that matches those criteria will get low car insurance rates and most likely will save a lot of money.

Insureds who fall short of those standards will be quoted a higher rate which translates to the prospect going elsewhere. If you listen to the ad wording, they say "customers who switch" but not "everyone who gets a quote" save that kind of money. That's the way companies can advertise the way they do.

Because of this risk profiling, it is so important to get price quotes at each policy renewal. Because you never know the company that will have the lowest insurance in Manassas.

Auto insurance claim information

What are the chances of a claim? The claim statistics below show the worst and best cars and trucks for the overall chance of having claims for each type of coverage listed.

Lowest and Highest Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Nissan GT-R
Jeep Wrangler Bentley Continental Flying Spur
GMC Canyon Maserati Ghibli
Ford F-250 SuperCab BMW M6
Ford Edge Ferrari 458
Mini Cooper Bently Continental GT

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Chevrolet Sonic
Tesla Model S Chevrolet Spark
Chevrolet Silverado 2500 Kia Forte
Ford Expedition Mitsubishi Mirage
Ford F-250 SuperCrew Nissan Sentra
Land Rover Range Rover Sport Dodge Charger

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicles with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 BMW M6
Nissan Leaf Maserati Granturismo
Infiniti QX50 Bentley Continental GT
Smart ForTwo Bentley Continental GTC
Chevy Spark BMW M6
Chevy Silverado 2500 Maserati Quattroporte

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Chevrolet Sonic
Subaru Outback Chevrolet Impala
Mercedes-Benz SL Class Dodge Charger
Chevrolet Corvette Kia Optima
Fiat 500 Kia Rio
Volvo XC60 Mitsubishi Lancer

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Quote often and quote early

Lower-priced car insurance in Manassas can be purchased on the web as well as from independent agents in Manassas, so you need to shop Manassas auto insurance with both to have the best rate selection. There are still a few companies who may not offer online quoting and usually these regional carriers prefer to sell through independent agents.

You just read some good ideas how you can lower your car insurance auto insurance rates in Manassas. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable Manassas auto insurance quotes. You may even discover the best auto insurance rates are with a small local company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

To read more, take a look at the resources below: