Find Cheap Beaver Auto Insurance

Are you intimidated by the number of auto insurance companies in Beaver? You're not alone. Consumers have so many options that it can turn into a big hassle to find better rates.

More discounts equal less premium

Car insurance companies don't list every discount very clearly, so here is a list some of the best known and the more hidden discounts you could be receiving. If you're not getting every credit possible, you are throwing money away.

Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
Clubs and Organizations - Affiliation with a qualifying organization may earn a discount when shopping for auto insurance.
Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
Senior Discount - If you qualify as a senior citizen, you can possibly qualify for reduced rates.
Federal Government Employee - Active or retired federal employment can save as much as 8% with a few auto insurance companies.

It's important to note that some credits don't apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because it seems like it's possible to get free car insurance, you're out of luck.

What determines how much you pay?

Smart consumers have a good feel for the factors that come into play when calculating auto insurance rates. Knowing what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

The list below includes some of the factors companies use to determine prices.

Rates may be lower depending on your job - Careers like doctors, social workers and financial analysts tend to pay higher average rates attributed to high stress and lengthy work days. Conversely, jobs such as actors, engineers and the unemployed have the lowest average rates.
Liability insurance protects assets - The liability section of your policy provides coverage when a jury decides you are liable for damages from an accident. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
Your car's features help determine rates - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
Sex matters - Statistics demonstrate that women are safer drivers than men. However, don't assume that women are better drivers. Women and men cause accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like reckless driving and DUI.
An active claims history can cost you - Companies in West Virginia generally give lower rates to drivers who file claims infrequently. If you frequently file small claims, you can look forward to higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
High performance equals high price - The performance level of the vehicle you are buying insurance for makes a significant difference in your rates. The most favorable rates are usually for low performance passenger cars, but there are many factors that impact the final cost.

Switch companies and save? Really?

West Virginia drivers get pounded daily by advertisements that promise big savings by companies like Progressive, Allstate and GEICO. They all have a common claim that you can save if you move to them.

How does each company say the same thing?

All companies are able to cherry pick for the type of driver that earns them a profit. An example of a driver they prefer might be profiled as a mature driver, has no driving citations, and has excellent credit. A propective insured that hits that "sweet spot" gets the lowest rates and therefore will save when switching.

Potential customers who do not match these standards will be quoted higher prices and this can result in business not being written. Company advertisements say "people who switch" not "everyone that quotes" save money. That's the way insurance companies can make those claims. This emphasizes why drivers should get as many comparisons as possible. It's not possible to predict which auto insurance company will have the lowest rates.

Additional detailed information is available at the West Virginia Insurance Commission website. West Virginia drivers can read industry bulletins, find out which companies have the most complaints, and view a list of available companies.

In the end, you save

Drivers who switch companies do it for many reasons like high rates after DUI convictions, questionable increases in premium, unfair underwriting practices and even denial of a claim. It doesn't matter why you want to switch finding the right auto insurance provider is less work than it seems.

Lower-priced auto insurance is possible on the web and with local Beaver insurance agents, and you need to price shop both so you have a total pricing picture. Some companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.