Wheeling, WV Auto Insurance For Less Than You’re Paying Now

Are you a victim of overpriced auto insurance? Trust us, there are many people just like you.

There are many car insurance companies to pick from, and although it’s nice to have multiple companies, lots of choices makes it harder to compare company pricing.

How to Compare Auto Insurance Quotes in Wheeling, West Virginia

To find the best auto insurance prices, there are several ways to compare rate quotes and find the best price. The easiest way by far to find the cheapest insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

• The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for a different quote to each individual auto insurance company. A single, simple form will return quotes direct from many companies.
• A more difficult way to analyze rates is to take the time to go to the website for every company you want to comare and request a quote. For example, let’s say you want comparison quotes from Liberty Mutual, GEICO and Allstate. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is quicker.

  For a list of links to companies insuring cars in Wheeling, click here.

• The hardest way to compare rates is to drive around to and from local Wheeling insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you require the trained guidance of a licensed agent. However, consumers can comparison shop online and get advice from an agent in your area and we’ll talk about that later.

However you get your quotes, ensure you’re using identical coverage limits and deductibles for each comparison quote. If each company quotes differing limits it’s not possible to determine the lowest rate in Wheeling. Just a small difference in limits can make a big difference in price. And when price shopping your coverage, quoting more provides better odds of finding lower pricing.

Don’t pay full price with these discounts

Companies offering auto insurance don’t necessarily list every discount very clearly, so we took the time to find some of the more common as well as the least known auto insurance savings.

• No Charge for an Accident – A few companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
• Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
• Low Mileage – Fewer annual miles could qualify for better rates on cars that stay parked.
• Good Students Pay Less – This discount can save 20 to 25%. The discount lasts up to age 25.
• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than less cautious drivers.
• Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
• Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Accident Free – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

For a list of insurers who offer auto insurance discounts in West Virginia, click here to view.

Your insurance agent down the street

Some consumers would prefer to get advice from a local agent and that is OK! One of the best bonuses of comparing rates online is the fact that you can find better rates but still work with a licensed agent.

Once you complete this simple form, your insurance data is submitted to agents in your area who will give you bids for your business. There is no need to leave your computer because quoted prices will be sent straight to your inbox. Now that’s easy! You’ll get the best rates AND an agent nearby.

Picking an insurer requires more thought than just the premium amount. These are valid questions to ask:

• Can they give you a list of client referrals?
• Do they make recommendations based only on price?
• Is working in the agency their full-time job?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Did they already check your driving record and credit reports?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• What are the financial ratings for the companies they represent?
• Is vehicle damage repaired with OEM or aftermarket parts?

Below is a list of auto insurance companies in Wheeling that may be willing to give price quote information.

Glasscock & Shively Insurance – 117 Edgington Ln, Wheeling, WV 26003 – (304) 243-9662
Allstate Insurance – 100 Washington Ave, Wheeling, WV 26003 – (304) 242-0005
Bandi Insurance Inc – 1025 Main St # 410, Wheeling, WV 26003 – (304) 233-2525
State Farm Insurance – 2192 National Rd, Wheeling, WV 26003 – (304) 242-2390

Once you have acceptable answers and a low price estimate, you may have just found an provider that meets your needs to provide auto insurance coverage.

Even more information is located at the West Virginia Insurance Commission website. West Virginia drivers can download brochures, learn about insurance regulations, view a list of available companies, and find disaster information.

Cheaper insurance is a realistic goal

You just learned many tips how you can compare auto insurance prices online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the most savings is with a small mutual company. Smaller companies can often provide lower rates in certain areas compared to the large companies like Progressive and GEICO.

Budget-conscious auto insurance is possible online and with local Wheeling insurance agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.