9 Ways You Can Buy Car Insurance for Less in Arnett West Virginia

Are you tired of not being able to afford each month for car insurance? Your situation is no different than many other drivers in West Virginia.

You have multiple to buy insurance from, and although it's nice to be able to choose, having more makes it harder to compare rates.

Compare Arnett Car Insurance Costs

There are several ways to compare rate quotes and find the best price. One of the best ways to find the cheapest insurance rates involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

  1. The fastest way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This type of form eliminates the need for a different quote for every car insurance company. In just a few minutes this one form gets you price quotes .
  2. A different way to get quotes online requires visiting the website of each company and fill out their own quote form. For instance, let's say you want rates from , and . To get rate quotes you would need to go to every website and enter your policy data, and that's why the first method is more popular.

    To view a list of companies in Arnett, click here.
  3. The most time-consuming way to get comparison rates to different Arnett agent offices. The internet eliminates the need for an insurance agent unless you have a need for the professional advice of a local Arnett agent. It is possible to find lower rates online and still use a local agent and we'll cover that in a bit.

However you get your quotes, ensure you're using identical quote information for every quote you compare. If you are comparing mixed coverages it will be very difficult to determine the best price in Arnett. Slightly different limits can mean a large discrepancy in price. And when price shopping your coverage, more quotes helps locate the best offered rates.

Save big with these nine discounts

Car insurance companies don't always publicize every discount very clearly, so we break down some of the more common and the harder-to-find discounts you could be receiving.

  • Seat Belt Usage - Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Accident Free - Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Paperwork-free - Certain companies will give a small break just for signing your application over the internet.
  • One Accident Forgiven - Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Homeowners Pay Less - Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Organization Discounts - Belonging to a qualifying organization may earn a discount when shopping for car insurance.

It's important to note that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears it's possible to get free car insurance, you're out of luck.

To choose insurance companies who offer car insurance discounts in West Virginia, click here.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all have a common claim that you can save after switching to them. How does each company make the same claim? This is how they do it.

All companies can use profiling for the type of driver that makes them money. For example, a driver they prefer could be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards will be quoted higher prices and this can result in business going elsewhere. Company advertisements say "drivers who switch" not "people who quote" save money. That's why insurance companies can advertise the way they do. This emphasizes why you need to compare as many rates as you can. It's just too difficult to predict the company that will provide you with the cheapest rates.

Additional detailed information can be found at the West Virginia Insurance Commission website. Consumers can find a variety of consumer forms, read industry bulletins, get help finding coverage, and learn about insurance regulations.

Final considerations

Lower-priced car insurance can be sourced from both online companies and with local Arnett insurance agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.