Shopping Tips

1. Tell your insurance agent or company certain facts about  yourself and your driving habits. If these facts apply to you, they may entitle you to a lower premium: 

• the existence of an anti-theft device, automatic seatbelts and/or air bags
• the car is used for pleasure driving only; you do not drive it to work
• you are in a car pool and drive to work an average of no more than two days per week
• you are a full time student and qualify as a good student (generally B average or above)
• the distance you drive to work is short
• you drive less than 7,500 miles per year
• you have had no accidents or violations
• successful completion of a driver education or defensive driving course.

Many consumers have failed to benefit from various discounts simply because they did not supply the necessary information to their agent.

2. Ask whether a company sells a Family Auto Policy, a Personal Auto Policy, or a Special Package Auto Policy. Discuss the differences in the coverage among the three different policies with your agent. If your agent doesn't know the difference, look for another agent.

3. Ask your agent if he charges any additional fees over and above his commission. Agents are allowed to charge fees for services, such as photocopying, mailing and faxes, as long as the applicant or policyholder consents in writing before the services are performed. A schedule of fees must be kept in the agent's office. If you think your agent is charging too much, check with other agents to find out if they charge additional fees.

4. Ask if a company charges a membership fee when a policy is issued or renewed. Some companies have additional charges not included in the annual premium amount that can significantly increase the amount you will have to pay.

5. Do your shopping as far in advance as possible. This will give you time to consider more companies and it will prevent a hasty decision. Remember, policyholders who change companies at times other than the renewal date of a policy are charged for the administrative costs of canceling the policy.

6. If you have been turned down by one insurance company because you had an auto accident or traffic violation, try other companies. Do not assume that you will be turned down by all companies. Just as companies have different premiums, they also have different underwriting standards. Keep trying. If several companies with low premiums turn you down, try some companies that have higher premiums.

7. If all else fails and you are unable to obtain auto insurance, any licensed agent can obtain insurance for you through the Virginia Automobile Insurance Plan. The Plan should be a last resort because the premiums are often higher than those of private companies.