What are some practical things I can do to lower my Automobile Insurance rate?
There are a number of things you can do to lower the cost of your auto insurance. The easiest thing to do is to shop around. It is not surprising to find quotes on automobile insurance that can vary by hundreds of dollars for the same coverage on the same car. When you shop, be careful to make sure the insurer is offering the same coverage and will stand by their quote. It is not unusual to be quoted one price only to receive the policy at a much different price. Many insurers use ISO policy forms, but this is not always the case and can dramatically affect your coverage. Virginia is unique in that both the “Family Auto Policy” and the “Personal Auto Policy” are now approved. They are not the same. Another way to lower the cost of your insurance is to look for any discounts that you may qualify for. For example, many insurers will offer you a discount if you insure multiple cars under the same policy, or if you have had a driver education class in the last five years. If you own your h
