Tightwads Tips for Saving on Ripley Auto Insurance
Are you tired of not being able to afford each month for car insurance? Your situation is no different than the majority of other car owners in West Virginia.
You have so many to pick from, and although it's nice to have a choice, lots of choices makes it harder to compare rates.
Finding affordable coverage in Ripley is not that difficult. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Although West Virginia vehicle owners do need to know how companies market on the web and apply this information to your search.
Be sure to get all your discounts
Car insurance companies don't list every discount very clearly, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using.
- Drivers Education - Require your teen driver to successfully complete driver's ed class in high school.
- Employee of Federal Government - Simply working for the federal government may qualify you for a discount with a few auto insurance companies.
- No Claims - Claim-free drivers can save substantially when compared to frequent claim filers.
- Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Paperwork-free - A handful of insurance companies give back up to $50 for buying your policy over the internet.
- Defensive Driving Course - Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
- Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
A little note about advertised discounts, most discounts do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky.
For a list of insurance companies with the best auto insurance discounts in West Virginia, click here to view.
How to Compare Auto Insurance Costs in Ripley
There are several ways you can shop for auto insurance but some are less time-consuming than others. You can waste hours talking to insurance companies in Ripley, or you could use the web to get prices fast.
Most car insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and every company provides a quote for coverage. This saves time by eliminating quote forms to each individual auto insurance company.
To submit your quote information now, click here (opens in new window).
One minor caviat to using this type of form is you cannot specify the companies to get quotes from. So if you want to select specific insurance companies to compare rates, we put together a list of companies who write auto insurance in West Virginia. View list of West Virginia insurance companies.
It's your choice how you get your quotes, but double check that you are using identical coverages for every company. If you use different limits and deductibles on each one then you won't be able to decipher which rate is best in Ripley. Quoting even small variations in coverages may result in large price differences. It's important to know that comparing more company's prices helps you find lower pricing.
Final considerations
As you prepare to switch companies, make sure you don't sacrifice coverage to reduce premiums. There have been many situations where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the best price while still protecting your assets.
The cheapest auto insurance is definitely available on the web in addition to many Ripley insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and these regional insurance providers work with independent agents.
