Find the Secrets to Paying Less for Fairmont, WV Auto Insurance

Are you intimidated by the sheer number of auto insurance choices in Fairmont? Lot’s of other consumers are too. There are so many options available that it can easily become a big hassle to compare prices.

You should make it a habit to shop coverage around before your policy renews because rates change frequently. Even if you got the best rates a year ago you can probably find a better price now. Forget all the misinformation about auto insurance because you’re about to find out one of the quickest ways to find great coverage at a great price.

Compare Quotes for Fairmont Auto Insurance

Performing a rate comparison can be a daunting task if you don’t utilize the easiest way. You could spend your day talking to insurance companies in Fairmont, or you could save time and use online quoting to get prices fast.

Most of the best insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each company provides a quote determined by their information. This saves time by eliminating quote forms to every company.

To find out how much you’re overpaying now click here (opens in new window).

The single downside to comparing rates this way is buyers cannot specifically choose which companies to get pricing from. If you wish to select specific insurance companies to compare, we have a listing of auto insurance companies in West Virginia. Click to view list.

It doesn’t matter which method you choose, just be sure to compare exactly the same quote information on every quote. If you are comparing mixed coverages then you won’t be able to determine the best price in Fairmont. Slightly different coverages can result in a big premium difference. Just keep in mind that having more price comparisons provides better odds of finding the best offered rates.

Buyer beware of auto insurance advertising tricks

Auto insurance companies such as State Farm and Allstate regularly use ads in print and on television. They all seem to say the same thing that you’ll save big if you move your policy. But how can every company say the same thing? It’s all in the Fairmont WV insurance quote

All companies are able to cherry pick for the type of customer that is profitable for them. An example of a desirable insured might be profiled as between 25 and 40, insures multiple vehicles, and has excellent credit. Any new insured who fits that profile gets the lowest rates and therefore will save when they switch companies.

Drivers who don’t qualify for the requirements will be charged higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save money. That’s the way companies can truthfully advertise the savings. That is why you should quote coverage with many companies. It is impossible to predict which company will have the lowest rates.

Don’t pay full price with these discounts

Car insurance companies don’t always advertise every discount in a way that’s easy to find, so here is a list some of the more common and the more hidden auto insurance savings.

  • No Accidents – Drivers who don’t have accidents pay much less compared to drivers who are more careless.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • E-sign – A few companies may give you up to $50 just for signing your application on their website.
  • Defensive Driving Course – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • 55 and Retired – Older drivers may receive a discount up to 10%.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if offered at their school.
  • Homeowners Savings – Owning a home in Fairmont can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
  • Early Switch Discount – Select companies give a discount for switching policies before your current policy expires. It’s a savings of about 10%.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies wouldn’t make money that way.

To see a list of providers with discount auto insurance rates in Fairmont, follow this link.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions might point out if your situation could use an agent’s help.

  • What should my uninsured motorist coverage limits be in West Virginia?
  • Can I afford low physical damage deductibles?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when using my vehicle for business?
  • What vehicles should carry emergency assistance coverage?
  • Why is insurance for a teen driver so high in Fairmont?
  • Does my personal policy cover me when driving my company car?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Additional detailed information can be found at the West Virginia Insurance Commission website. Consumers can learn about specific coverages, view a list of available companies, read state legal mandates and laws, and learn about insurance regulations.

free Fairmont WV insurance quote

Also read more on this page for West Virginia auto insurance and this list of insurance agents in Fairmont, WV.

One last thing

We’ve covered some good ideas how you can shop for auto insurance online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice physical damage coverage to discover at claim time that it was a big error on their part. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

People who switch companies do it for any number of reasons including delays in responding to claim requests, policy non-renewal, questionable increases in premium and high rates after DUI convictions. It doesn’t matter what your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.