How to Know You're Wasting Money for Auto Insurance in Bruceton Mills

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are many people just like you.

Drivers have multiple to buy insurance from, and although it's nice to have a selection, it can be more challenging to compare rates.

It's important to compare prices at least once a year because prices are constantly changing. Even if you got the best price six months ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

Finding the best rates in Bruceton Mills is not that difficult. Just about every driver who carries auto insurance will be able to save money. Although West Virginia consumers do need to know how insurance companies price insurance differently and apply this information to your search.

Are you getting all your discounts?

Car insurance companies don't always publicize all their discounts very clearly, so we took the time to find both the well known as well as the least known ways to save on auto insurance.

Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
Sign Online - Certain companies may give you up to $50 for buying your policy over the internet.
Memberships - Being a member of a qualifying organization could trigger savings on auto insurance.
Payment Method - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
Multiple Vehicles - Buying coverage for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, many deductions do not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in West Virginia, click this link.

How to Compare Bruceton Mills Auto Insurance Costs

Most companies like GEICO, State Farm and Progressive provide coverage prices online. This process is quite simple as you just type in the coverage amounts you desire as detailed in the form. Once you submit the form, the system will obtain your credit score and driving record and returns a price based on many factors. Being able to quote online helps simplify price comparisons, but having to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it's very important to compare as many rates as possible if you want to find the best price on auto insurance.

Quote rates the easy way

The preferred way to find better auto insurance pricing uses one form that obtains quotes from more than one company. The form is fast, reduces the work, and makes comparison shopping a little more enjoyable. Once the form is submitted, it gets priced and you can select any one of the price quotes you receive. If a lower price is quoted, it's easy to complete the application and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you replicate the limits and deductibles as close as possible to your current policy. This makes sure you are getting a fair comparison based on the exact same insurance coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

Rate your vehicle for proper use - Driving more miles in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance coverage shows the proper vehicle usage.
Do you need those extra coverages? - There are a ton of extra coverages that you can buy when buying auto insurance. Coverages for rental car reimbursement, towing coverage and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but if they're wasting money eliminate them to save money.
Where you reside plays a part - Choosing to live in a rural area can be a good thing when talking about auto insurance. Drivers in populated areas have much more traffic and longer commute times. Less people living in that area translates into fewer accidents.
Mature drivers pay less - Youthful drivers in West Virginia are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
Being married can save on auto insurance - Having a spouse can get you a discount on your auto insurance policy. It means you're more responsible and it's proven that being married results in fewer claims.
Don't skimp on liability - Liability coverage provides coverage if ever you are found liable for causing damage or personal injury in an accident. Liability provides for a legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Physical damage deductibles are how much you are required to spend if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.

How can GEICO, State Farm and Progressive save drivers who switch?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to make the same claim about savings after switching to their company. How does each company claim to save you money?

All companies are able to cherry pick for the driver that is profitable for them. For example, a desirable insured might be over the age of 50, has no tickets, and has a high credit rating. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably save when switching.

Consumers who are not a match for these standards will have to pay higher prices which leads to the customer not buying. The ads say "customers that switch" not "everybody who quotes" save that much. That's the way companies can truthfully state the savings. Because of the profiling, drivers must compare as many rates as you can. It's impossible to know which auto insurance company will have the lowest rates.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, it's very important that you do not reduce coverage to reduce premium. In many instances, an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to find the BEST coverage at a price you can afford.

The cheapest auto insurance can be purchased both online and also from your neighborhood Bruceton Mills agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Even more information can be found at the West Virginia Insurance Commission website. Visitors are able to file complaints about an insurance agent or broker, discover disciplinary actions, view agent and company licensing information, and read enforcement actions against agents and companies.