Is Your Moundsville West Virginia Auto Insurance Breaking the Bank?

Have you had enough of not being able to afford to pay your car insurance bill each month? Your situation is no different than many other West Virginia consumers.

Having so many insurance providers from which to choose, it’s nearly impossible to find the most affordable insurance company.

Smart consumers take time to take a look at other company’s rates periodically since insurance rates tend to go up over time. Even if you think you had the lowest price six months ago you can probably find a better price now. Block out anything you think you know about auto insurance because you’re about to find out the only way to properly buy coverages while reducing your premium.

Pricing the lowest cost auto insurance coverage in Moundsville is not that difficult. Essentially every vehicle owner who shops for auto insurance will more than likely be able to cut their insurance bill. Although West Virginia consumers should learn how the larger insurance companies market insurance on the web because it can help you find the best coverage.

How to Compare Auto Insurance Quotes in Moundsville, WV

To find the best auto insurance prices, there are several ways of comparing rate quotes from auto insurance companies in your area. One of the best ways to find the cheapest insurance rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing multiple quote forms for each company you want a rate for. One form submission will return quotes from multiple low-cost companies.
  2. A different way to find lower rates is spending the time to visit the website for every company you want to comare to complete a price quote. For instance, let’s say you want to compare rates from Progressive, State Farm and GEICO. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in Moundsville, click here.

Whichever way you use, make sure you use the exact same coverages and limits on every quote. If you enter different liability limits it’s impossible to find the best deal in Moundsville. Slightly different coverage limits may cause a big price difference. Just keep in mind that comparing more company’s prices will enable you to find lower pricing.

Don’t pay full price with these discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Some discounts apply automatically at the time of purchase, but less common discounts must be specially asked for before you get the savings.

  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Paperless Signup – Certain companies may give you up to $50 just for signing your application on their website.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Government Employees – Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
  • College Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
  • Drive Less and Save – Fewer annual miles can earn lower rates on the low mileage vehicles.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will bring down the amount you have to pay.

Tips to Get Lower Moundsville Rates

An important part of buying insurance is that you know some of the elements that go into determining your auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Bad driving skills means higher rates – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even a single citation can bump up the cost by twenty percent. Drivers with dangerous tickets like DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • High credit ratings translate to low rates – A driver’s credit score is a huge factor in determining what you pay for auto insurance. If your credit score is lower than you’d like, you could pay less to insure your by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Don’t buy coverages you don’t need – There are quite a few extra bells and whistles you can purchase when buying auto insurance. Things like personal injury protection, better glass coverage and additional equipment coverage are examples of these. They may seem good initially, but now you might not need them so remove them from your policy.
  • Proper usage rating affects rates – The higher the mileage driven each year the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle.

Your personal situation dictates your coverage

When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether you may require specific advice.

  • Does my insurance cover a custom paint job?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I qualify for additional discounts?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • What are West Virginia no-fault laws?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Additional information can be found on the website for the West Virginia Insurance Commission located here. West Virginia consumers can read industry bulletins, download brochures, file complaints about an insurance agent or broker, and find out industry alerts.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like Allstate and Progressive consistently run television and radio advertisements. They all say the same thing of big savings if you change your coverage to them. How do they all say the same thing?

Different companies have a certain “appetite” for the right customer that earns them a profit. A good example of a driver they prefer might be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A propective insured who matches those parameters gets the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t measure up to these standards will be quoted a more expensive rate which usually ends up with business going elsewhere. The ads say “customers who switch” not “people who quote” save money. That is how companies can truthfully claim big savings.

This emphasizes why it’s extremely important to get quotes from several different companies. It’s impossible to know which company will have the lowest rates.

Affordable insurance is out there

We just showed you many ways to shop for auto insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the lowest rates come from a lesser-known regional company. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

Cheap auto insurance can be sourced on the web and with local Moundsville insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage only to find out that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.