Ring In the New Year with 20% Off Your Virginia Auto Insurance

Ring In the New Year with 20% Off Your Virginia Auto Insurance

Don't you just love to hate New Year's Resolutions? It's like you're eternally promising yourself you're going to do things that you would have never gotten around to doing any other way. Which is exactly what resolutions are, I suppose, but it always seems like an exercise in futility to me! If you've got to make a New Year's Resolution this year, however, why not resolve to save 20% (or more) on your Virginia auto insurance?

When you tick through the list of expenses you have absolutely no choice about whether or not you want to pay, you're almost always going to roll back around to your auto insurance sooner or later. Virginia doesn't exactly give you the option to cruise around without insurance! Okay, so they do, actually, but by the time you're done paying Uncle Sam the fine and saving up to buy a car with cash (since no financier is going to let you get away with it) you could have paid off your insurance premiums several times over!

Then there's the little matter of picking up the cost of an accident after the fact. But that's another story altogether.

Just because a Virginia auto insurance policy is well worth what you're going to pay for it doesn't mean that you should knowingly, willingly and without remorse pay a small fortune for your coverage? Shaving 10-20% or more off you auto insurance rates is so easy, and yet so many people fail to step up to the bat and do it.

The first (and most important) step in your quest to save money on auto insurance should always be to make sure you're following the rules of the road. There's no such thing as a "high risk" driver that doesn't have an accident to their name (unless you're 19 or under, but that's not your fault). Most drivers getting shifty looks from Virginia auto insurance companies are chronic offenders prone to accidents, speeding tickets and going bumper first into telephone poles at the slightest provocation.

Next, check with your auto insurance agent to see what insurance discounts

you should be getting that you're not. Surprised? There are literally hundreds of things that can help you save money on auto insurance, and there's no way all of them are covered in that "one size fits all" checklist auto insurance agents go through when they're selling you your policy. Your age, your job, any additional safety features you've invested in and even your car itself can knock 20% off your insurance in the blink of an eye.

Finally, let's talk deductibles. You know what deductibles are, right? That's the flat rate you agree to pay every time you need to file a claim with your Virginia auto insurance company. The higher that flat rate is, the less you're going to have to pay in premiums. Your insurer loves saving money, and if you can help them do that they're always happy to return the favor.

This New Year's, forget about dropping 30 lbs. by swimsuit season or starting your own business. Or don't. It's up to you! But don't forget to add saving 20% or more on your auto insurance rates to the list of New Year's Resolutions you intend to keep this year. Your checkbook will thank you.