There are many factors that influence your car insurance premium. Some of them—like the make and model of your car—can’t be changed. So how do you make sure you get the best possible rate? 

Give your agent specific, thorough information

Don’t stop with the main driver’s information—it helps to have the birthdays and Social Security numbers of secondary drivers too. Providing your car’s VIN rather than just the make and model also can make a difference.

Go with a higher deductible plan for a lower premium

Considering that the average time between collision claims is more than 17 years, you’ll save a good chunk of change over time. You pay the deductible only if you make a claim, rather than every time you pay your premium.

Decide if your claim is worth it

If your windshield costs $250 to replace and you have a $100 deductible, is the $150 we’re going to pay for your claim worth your insurance potentially going up $100 or $150 a year for the next three years? Insurance algorithms consider claim frequency in their rates, so you might decide to save your coverage for the big stuff. But one of our Farm Bureau insurance agents can help answer questions like this.

Bundle your auto insurance with your other insurance policies

If you have home insurance as well as auto insurance with Virginia Farm Bureau, you automatically receive 15 percent off your car insurance.

Review your policy at least every three years

Even if nothing seems to have changed in your life, something may have changed in the insurance world! Rates may change even if your driving record hasn’t.