Tightwads Lessons for Saving on Oak Hill Auto Insurance

Finding affordable Oak Hill auto insurance on the web may be problematic for people who are new to buying insurance on the web. Since there are so many companies competing online, how can you effectively compare the different rates to find the best price?

Compare Auto Insurance Today

All the larger auto insurance companies give coverage price quotes directly from their websites. Getting quotes doesn’t take a lot of time as you simply enter the coverage amounts you desire into the quote form. When complete, the company’s rating system obtains credit information and your driving record and returns a price based on these factors.

Online price quotes helps simplify price comparisons, but the work required to visit multiple sites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to perform this step if you want to find a better rate.

Isn’t there an easier way to compare rates?

The smarter way to locate the lowest prices uses one form that gets price quotes from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much easier. As soon as you send your information, it gets priced and you can select your choice of the quotes returned.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process takes less than 15 minutes and may result in a nice savings.

To fill out one form to compare multiple rates now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you replicate as close as possible to your current policy. This way, you will have rate quotes for the exact same coverage.

Don’t miss these discounts

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Most are applied at the time of quoting, but lesser-known reductions have to be specially asked for in order for you to get them. If you don’t get every credit available, you’re just leaving money on the table.

  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Defensive Driving Course – Taking a course in driver safety can save you 5% or more if your company offers it.
  • Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • 55 and Retired – If you qualify as a senior citizen, you may receive better auto insurance rates.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will cut your overall premium however.

To choose companies who offer auto insurance discounts in Oak Hill, click here.

What if I want to buy from a local Oak Hill agent?

Some consumers would prefer to buy from a local agent and that is just fine! Insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you can get the best rates but also keep your business local. Buying from local insurance agencies is definitely important in Oak Hill.Oak Hill WV car insurance

After completing this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents in Oak Hill who will battle for your business. You don’t have to leave your house as quotes are delivered to the email address you provide. How’s that for easy!

Insurance agent types

When researching local Oak Hill agents, there are two types of agencies from which to choose. Agents are classified as either captive or independent (non-captive). While both can do a good job, but it’s worth learning how they differ since it may influence the selection process.

Independent Agencies or Brokers

Independent agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When comparison shopping, it’s a good idea to get quotes from several independent insurance agents to get the best comparison.Most can insure with smaller regional carriers which can save you money.

Below are independent agencies in Oak Hill that are able to give rate quotes.

  • Bush Insurance – 1214 Main St E – Oak Hill, WV 25901 – (304) 465-1563
  • West Clark Insurance – 110 Main St # A – Oak Hill, WV 25901 – (304) 465-3636
Captive Insurance Agents

This type of agents write business for a single company and examples are AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. These agents are well schooled on the products they sell which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below is a list of captive insurance agents in Oak Hill willing to provide rate quotes.

  • Allstate Insurance – 1805 Main St E – Oak Hill, WV 25901 – (304) 469-8171

For a full directory of captive insurance agents in Oak Hill, please click here.

Choosing an insurance agency requires more thought than just a low price. These are valid questions to ask:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • How are they compensated?
  • Do the companies they represent have a solid financial rating?
  • How much can you save by raising your physical damage deductibles?
  • Are there any discounts that you might be missing?
  • Is vehicle damage repaired with OEM or aftermarket parts?

Upon receiving reasonable responses to these questions in addition to an acceptable price estimate, you may have just found an insurance agent that is a good match to properly service your auto insurance policy.

How do I know if I need professional advice?

When choosing the best auto insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether you might need professional guidance.

Oak Hill WV car insurance

  • Do I need PIP coverage since I have good health insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What if I total my vehicle and owe more than it’s worth?
  • Does liability extend to a camper or trailer?
  • Is business equipment covered while in my vehicle?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Additional auto insurance information can be read on the West Virginia Insurance Commission website found here. Visitors are able to learn about specific coverages, learn about insurance regulations, and get help finding coverage.

Additional helpful sites include this page for auto insurance prices in West Virginia and this resource to find Oak Hill, WV insurance agents.

Best coverage at the best price

When you buy insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best price.

People leave their current company for a variety of reasons including denial of a claim, poor customer service, high prices or even lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

In this article, we presented many ideas to get a better price on auto insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the most savings is with some of the lesser-known companies.