How many times have you said it's time to compare low-cost auto insurance rates in Radford, VA? Locating lower-cost quotes can seem to be overwhelming for drivers that are not comfortable with quoting and comparing rates and buying auto insurance on the internet. With such a large number of agents and online companies available, how are drivers able to efficiently compare every company to locate the best pricing?

It's shocking but almost 70% of insureds have remained with the same auto insurance company for more than four years, and approximately 40% of consumers have never compared quotes from other companies. Many drivers in Virginia could save $548 every year, but they don't know how much money they would save if they moved their coverage to a different company.

You should take the time to compare premium rates periodically because auto insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on auto insurance last year other companies may now be cheaper. Block out anything you think you know about auto insurance because it's time to teach you one of the easiest ways to find lower rates on auto insurance.

Components of your insurance premiums

Part of the car insurance buying process is learning some of the things that help calculate the rates you pay for car insurance. If you know what controls the rates you pay, this empowers consumers to make smart changes that may result in big savings.

Listed below are some of the major factors used by insurance companies to determine rates.

Increase comp and collision deductibles to save - Comprehensive and collision coverage deductibles tell how much you are required to spend if the claim is covered. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims are colliding with a stationary object, vandalism, and damage caused by road hazards. The more you choose to pay out-of-pocket, the less money you will pay for car insurance.

Prevent your car from being stolen - Selecting a car model with a theft deterrent system can save you some money. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft.

Remove unneeded extra coverages - There are a lot of extra bells and whistles that can add up if you aren't diligent. Add-on coverages like personal injury protection, high-cost glass coverage, and extra life insurance coverage may not be needed and are just wasting money. The coverages may be enticing initially, but if you've never needed them in the past get rid of them and save.

Cautious drivers pay better premiums - Even a single speeding ticket or other violation could increase your next policy renewal by as much as thirty percent. Drivers who don't get tickets have lower premiums than their less careful counterparts. Drivers who have gotten serious violations like DUI or reckless driving might be required by their state to file a SR-22 with their state in order to legally drive a vehicle.

Lower rates come with age - Young drivers in Virginia are known to be inattentive and easily distracted behind the wheel therefore car insurance rates are much higher. Parents adding a inexperienced driver onto your car insurance will cause a huge premium hike. More mature drivers are proven to be safer behind the wheel, tend to file fewer claims, and are safer drivers.

The easiest way to get policy rate comparisons is to realize all the major auto insurance companies participate in online systems to quote your coverage. To start a quote, the only thing you need to do is provide details like if you're married, if a SR-22 is needed, types of safety features, and driver ages. Your insurance information is automatically sent to insurance carriers in your area and they return cost estimate immediately.

If you wish to get multiple quotes for your car now, click here and complete the quick form.

The companies shown below are our best choices to provide comparison quotes in Radford, VA. If several companies are displayed, we suggest you visit two to three different companies to find the most competitive car insurance rates.

Insurance Rates for Popular Vehicles in Radford
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 2WD $864 $432 $72
Dodge Ram Crew Cab TRX 4WD $1,070 $535 $89
Ford Escape XLT 2WD $862 $431 $72
Ford F-150 XL Super Cab 2WD $728 $364 $61
Ford Focus SES 4-Dr Sedan $896 $448 $75
Honda Accord EX 4-Dr Sedan $772 $386 $64
Honda CR-V EX-L 2WD $678 $339 $57
Honda Civic EX 2-Dr Coupe $962 $481 $80
Hyundai Sonata SE 4-Dr Sedan $776 $388 $65
Jeep Grand Cherokee Limited 2WD $970 $485 $81
Jeep Wrangler Sport Islander Package 4WD 2-Dr $932 $466 $78
Kia Optima EX $780 $390 $65
Nissan Altima 2.5 4-Dr Sedan $810 $405 $68
Toyota Camry XLE $948 $474 $79
Toyota Corolla LE $644 $322 $54
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in specific garaging location which can increase or decrease insurance rates noticeably.

How accidents and tickets impact rates in Radford

The chart below demonstrates how citations and at-fault accidents can affect Chevrolet Malibu insurance premiums for each different age group. The information is based on a single female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Annual premiums for males compared to females

The chart below shows the comparison of auto insurance costs for male and female drivers in Radford. The costs are based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are factored in on a Chevrolet Malibu LS.

Chevrolet Malibu rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Why you need quality insurance for your vehicle

Even though it's not necessarily cheap to insure a vehicle in Radford, buying car insurance may be required and benefits you in several ways.

The benefits of buying car insurance are without a doubt worth the cost, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $850 per year so you should quote rates at every policy renewal to ensure rates are inline.

Don't overlook these insurance discounts

Companies that sell car insurance don't always list their entire list of discounts in a way that's easy to find, so we took the time to find both well-publicized as well as some of the hidden discounts that you can inquire about if you buy Radford auto insurance online.Save money with discounts

Policy discounts save money, but many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, companies don't profit that way.

If you would like to see a list of companies who offer online insurance quotes in Radford, click here to view.

When to get professional advice

When it comes to buying coverage online or from an agent, there really isn't a cookie cutter policy. Every insured's situation is different.Insurance savings

These are some specific questions might help in determining if your situation will benefit from professional help.

If it's difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance overall losses by make and model

Which vehicles tend to have high claims? The next tables list the best and worst vehicles for overall likelihood of having claims.

Vehicle Models with the Lowest and Highest Liability Coverage Claims
Lowest Claims Highest Claims
Acura MDX Mitsubishi Lancer
Audi A6 Chevrolet Impala
Subaru Forester Hyndai Accent
Fiat 500 Chevrolet Sonic
Volvo XC60 Chrysler 200
Mercedes-Benz SL Class Kia Optima

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

Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
Smart ForTwo BMW M6
Infiniti QX50 Porsche Panamera GTS
Chevy Silverado 2500 Mercedes-Benz S Class
Ford F-350 Maserati Quattroporte
Chevy Spark Maserati Granturismo
GMC Sierra 2500 Bentley Continental GTC

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

Collision Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Colorado Bently Continental GT
Nissan Xterra Bently Continental GTC
Ford F-250 SuperCab Bentley Continental Flying Spur
Ford Edge Ferrari 458
Jeep Wrangler BMW M6
GMC Canyon Audi RS7

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

Vehicle Models with the Lowest and Highest Medical Payment Claims
Lowest Claims Highest Claims
Ford F-350 SuperCrew Nissan Versa
Ford Expedition Hyundai Accent
Chevrolet Silverado 3500 Nissan Sentra
Land Rover Range Rover Sport Mitsubishi Lancer
Chevrolet Silverado 2500 Mitsubishi Mirage
Chevrolet Corvette Chevrolet Sonic

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

Get the best coverage at the lowest price

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, delays in paying claims or denial of a claim. Regardless of your reason, switching auto insurance companies can be easier than you think.

As you prepare to switch companies, never skimp on coverage in order to save money. Too many times, an insured dropped liability limits or collision coverage only to discover later that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

The cheapest auto insurance in Radford can be bought online in addition to many Radford insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide the ability to get quotes online and most of the time these regional carriers only sell through independent insurance agents.

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