How To Save Money On Your Virginia Car Insurance, Even When You Do Spend All Day On I-95!

Washington D.C. and Richmond are two of the biggest employers for people living along the I-95 corridor, which means residents of Alexandria, Fredericksburg, Ladysmith and Petersburg (and all points both north AND south) are spending hours every day stuck in traffic on the Interstate. Aside from the terminal road rage issues that commute can inspire, driving up and down 95 every day can do horrible things to your Virginia car insurance rates.

The good news is, working someplace other than your living room doesn't have to spell death for your car insurance rates. Trimming your commute, buffing up your credit score and adding on to your car's safety features can do wonders for your annual insurance premiums. It won't be long before you're kicking back with a Mai Tai on Virginia Beach with the top notch insurance coverage at the kicking insurance rates you deserve.

CUTTING THE COMMUTE

The number one killer of your Virginia car insurance rates isn't that you drive on I-95. Everyone in eastern Virginia does it! What hurts is the amount of time you spend there. Follow the happy arrows of progression and the best thing you can do to cut back on your monthly premium payments is cut back on the amount of time you're sitting around in bumper to bumper traffic.

There are three ways you can do that:

1)Work from home. Many companies, especially tech companies, are looking for ways to cut their expenses for (or even close) their physical location by shifting employees over to virtual offices that allow them to work from home. Taking advantage of this can save you hours spent out on the highway and open the door to a host of new opportunities.
2)Carpool. Can't avoid that daily commute? There are bound to be other people in your office that are just as eager to save money on their commute and their Virginia car insurance rats as you are and that would be happy to start carpooling with you. Ask around!
3)Two words for you: Public transportation. Whether it's the GRTC in Richmond or Amtrak and the Metro in D.C., chances are there are public transportation options available to you to help cut back on the amount of driving you have to do each day.

PUMP UP YOUR CREDIT SCORE

Did you know that your credit score can save you money on your insurance? It's true! Most Virginia car insurance companies are going to check out your credit score as part of the complex algorithm they use to determine your car insurance rates. Better credit score=more assumed responsibility behind the wheel=better car insurance rates. You always knew it paid to keep your credit score up to par. You just never knew how much until now!

SAFETY, SAFETY, SAFETY

Did you look into your car's safety features before you bought it? Of course you did! Did you share all of those with your Virginia car insurance agent when you bought your car insurance policy and they made you fill out page after page of information? Maybe not. Believe it or not, every safety feature on your car can save you money on your insurance rates. Talk to your car insurance agent today. You might be surprised to find out that even with the daily trek to D.C. or Richmond, your insurance doesn't have to be as gruesome as you thought.