Auto Insurance Money-Saving Tips Roanoke VA

If you want to save on insurance without skimping on coverage, there are several ways to accomplish this. You can choose a higher deductible to lower your premiums, drop certain coverages (only if you have a much older vehicle), or you can roll the dice on discounts.

Allstate Auto Insurance
(888) 355-7971
6905 Williamson Rd
Roanoke, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
3800 Electric Rd
Roanoke, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
2193 Wildwood RD
Salem, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Anthem Blue Cross and Blue Shield - Roanoke Office- Southeast Regional Headquarters- Fraud and A
(540) 853-5000
602 South Jefferson Street
Roanoke, VA
 
BB&T Insurance Services
(540) 989-8006
PO Box 1600
Roanoke, VA
 
Allstate Auto Insurance
(888) 355-7971
6318 Peters Creek Rd
Roanoke, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
1202 Electric Rd
Salem, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
147 Franklin St
Rocky Mount, VA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Hartman Insurance
(540) 989-8500
4504 Starkey Rd Suire 207
Roanoke, VA
 
Allstate Insurance Companies
(540) 382-2959
9 Roanoke Street
Roanoke, VA
 

Auto Insurance Money-Saving Tips

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If you want to save on insurance without skimping on coverage, there are several ways to accomplish this. You can choose a higher deductible to lower your premiums, drop certain coverages (only if you have a much older vehicle), or you can roll the dice on discounts. Let’s start with raising your deductible.

The Insurance Dictionary by The Silver Lake Editors defines deductible as: an insurance deductible is the portion of an insured loss to be borne by the insured before the insurance company takes over. Higher deductibles reduce the insurance company’s exposure. Small losses that do not exceed the deductible do not require a claim settlement, and large losses that exceed the deductible result in a smaller settlement. Deductibles are usually either $100, $250, $500, or $1,000. If you raised your deductible from $250 to say $1,000, you could save as much as 40 percent on certain coverages such as comprehensive and collision.

For some, a $1,000 deductible might be a it much to have to cough up all at once. If this is the case for you and you own an older car, you might want to consider dropping comprehensive and collision. Here’s why: according to MSN Money guru Liz Pulliam Weston, if you have a $500 deductible on your insurance and you own a 10-year old Honda that’s worth around $4,000 your risk is $3,500. If your premiums for collision and comprehensive are more than $350 a year, it may be wiser to bank that money toward a newer car. Although the cost for this comprehensive and collision decreases along with the value of your car, late model car owners will likely save a minimum of 20 percent up to 50 percent of your annual premium.

If you own a newer car, you prefer to keep as much coverage as possible, and you prefer to keep your deductible low, no worries. You can still save money on car insurance by asking about discount programs. And yes, most auto insurance providers have them. According to autoinsurancetips.com, “what discounts do I qualify for?” is a common question savvy shoppers ask when shopping for auto insurance. Fortunately, when it comes to discounts, there’s something for everyone. Auto insurance discounts can help save anywhere from 10-40 percent on annual premiums. The following list of discounts offered through Allstate Insurance is typical of most large auto insurance providers.

Premier Discount
If you have a clean driving record (no accidents, no violations) during the past 3 years, you could be rewarded with a lower rate.

Premier Plus Discount
As an extra bonus for drivers with no accidents or violations during the last 5 years, Allstate may knock even more off your auto insurance rate than Premier.

Defensive Driver Discount
You could save on your premiums if you choose to take a state-approved defensive driving class. Court-mandated classes do not qualify for a discount.


Discounts For Safe Cars

Passive Restraint Systems
Your rate might be lower if your car came equipped with safety features like airbags or factory-installed motorized seatbelts.

Anti-Lock Brakes
You can also help lower your premiums if your car has factory-installed ABS (all-wheel, anti-lock braking system).

Anti-Theft Devices
By protecting your car from thieves or vandals, Allstate can help protect you from paying more every month.

Discounts For Drivers With Multiple Allstate Policies

Multiple Policy Discount

If you have property insurance with Allstate, you may qualify for Allstate's Multiple Policy Discount to lower your auto insurance premiums by as much as 10 percent.

Discounts For Students, Seniors, and More

Good Student
If you're younger than 25 years old, single and a full-time student who meets our GPA requirements, you could be eligible for this valuable discount.

Senior Adult
If you're 65 or older, and you drive more than a quarter of your car's total mileage, this discount can reduce the cost of your Personal Injury Protection (PIP) coverage.

55 and Retired
If you're at least 55 and retired, you could save on your auto insurance rate.

New Car
Did you take advantage of the many dealership discounts recently offered for new cars? It’s not too late to see if that brand new, never-been-titled car you just bought might save you even more money.

Economy Car
In addition to possibly being a bit friendlier to the environment, you also may be able to save more than just gas and space if you own an economy car. Contact your Allstate agent.

Utility Vehicle
If you drive a specific type of pick-up truck, this discount could apply to your auto insurance.

Resident Student
If you carry coverage for a student who's under 21 and lives at a school that's more than 100 miles away from where the vehicle is garaged, you could save valuable cash on your premiums.

Farm or Ranch Vehicle
If you're a full-time farmer or rancher, and you're insuring a farm or ranch vehicle used exclusively for work on your property, this bonus could help keep your costs down.

For more tips on buying auto insurance, visit autoinsurancetips.com.