Follow These Proven Tips for Cheaper Parkersburg West Virginia Auto Insurance

Feel like you’re a prisoner to high-priced auto insurance? Believe me when I say you’re not the only one. Lots of car insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to find the best price available.

It is always a good idea to get comparison quotes once or twice a year since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on your last policy the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn some of the best ways to put money back in your pocket.

Free Quotes for Auto Insurance in Parkersburg

Getting better auto insurance pricing is actually quite simple. The only thing you need to do is take a few minutes comparing rates from different insurance companies. This can be done using a couple different methods.

  1. Probably the best way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method eliminates the need for boring form submissions to each individual auto insurance company. In just a few minutes this one form gets you price quotes from all major companies.
  2. A more difficult way to compare rate quotes is to manually visit each company’s website to complete a price quote. For instance, let’s assume you want rates from GEICO, Liberty Mutual and American Family. To find out each rate you need to visit each site to input your insurance information, which is why the first method is more popular.

    For a list of links to insurance companies in Parkersburg, click here.

  3. The least recommended method of getting rate comparisons is to spend your day driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance of a local agent. It is possible to comparison shop online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you which method you use, but make sure you use identical deductibles and coverage limits on every quote you get. If you compare higher or lower deductibles it’s impossible to decipher which rate is best in Parkersburg.

Take discounts and save

Car insurance companies don’t always advertise every available discount in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Paperless Signup – Certain companies may give you up to $50 for buying your policy over the internet.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Federal Employees – Simply working for the federal government can save as much as 8% with select insurance companies.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • No Claims – Good drivers with no accidents pay less as compared to bad drivers.

It’s important to understand that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.

To choose insurance companies with the best auto insurance discounts in West Virginia, click this link.

Your coverage should be tailored to you

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • What discounts do I qualify for?
  • Why is insurance for a teen driver so high in Parkersburg?
  • Does my vehicle qualify for pleasure use?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I buy only the required West Virginia minimum liability coverage?
  • Are my friends covered when driving my vehicle?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Car insurance in Parkersburg WV

Additional auto insurance links

Even more information can be read at the West Virginia Insurance Commission website. West Virginia consumers can discover disciplinary actions, learn about specific coverages, and read state legal mandates and laws.

Other useful links include this link for West Virginia auto insurance quotes and this link where you can get more info about Parkersburg auto insurance.