Easy Ways to Cut Costs on Canvas Car Insurance

Finding lower rates for Canvas car insurance is a challenge for consumers new to shopping for insurance online. There are so many options that it can turn into a challenge to find the best price in Canvas.

It's important to compare prices before your policy renews because rates are constantly changing. Just because you found the best deal on your last policy a different company probably has better rates today. So just forget all the misinformation about car insurance because you're going to learn the only way to find lower rates on car insurance.

If you are paying for car insurance now, you should be able to save some money using these techniques. Buying the cheapest car insurance in Canvas is simple if you know the tricks. Although West Virginia car owners do need to know how big insurance companies sell online and take advantage of how the system works.

Don't pay full price with these discounts

Companies don't always list every available discount in an easy-to-find place, so here is a list some of the more common and also the lesser-known ways to save on car insurance.

Passive Restraints - Vehicles with factory air bags can get savings of 20% or more.
Claim Free - Claim-free drivers can earn big discounts compared to drivers who are more careless.
Clubs and Organizations - Belonging to certain professional organizations could trigger savings on your policy.
Homeowners Pay Less - Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
Good Students Pay Less - Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
Employee of Federal Government - Active or retired federal employment may qualify you for a discount with certain companies.
E-sign - A handful of insurance companies will give a small break for buying your policy on their website.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you won't be that lucky.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the rating factors that play a part in calculating your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

Do you know you're credit rating? - Your credit score is a big factor in your rate calculation. People with excellent credit tend to be more responsible as compared to drivers with poor credit. Therefore, if your credit rating is low, you could potentially save money when insuring your by repairing your credit.
Do you work long hours in a high stress job? - Occupations like doctors, executives and accountants have higher rates than average due to high stress levels and lots of time spent at work. On the flip side, jobs such as farmers, athletes and retirees get better rates.
Don't skimp on liability - Your policy's liability coverage will protect you in the event that you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
Bump up deductibles to save - Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are collision with another vehicle, vandalism, and burglary. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money you have to pay, the less your company will charge you for insurance.
How's your driving record? - Your driving record impacts your car insurance rates tremendously. Drivers who don't get tickets get better rates than their less careful counterparts. Only having one moving violation can bump up the cost by twenty percent. Drivers who get dangerous violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
More claims means more premium - If you frequently file small claims, you can definitely plan on higher rates. Insurance companies in West Virginia give better rates to insureds who do not file claims often. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
Discounts for married couples - Being married helps lower the price on your car insurance policy. Marriage translates into being more responsible and statistics show drivers who are married are more cautious.
Higher safety ratings means cheaper insurance - Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and fewer injuries translates into fewer and smaller insurance claims and lower rates for you.

The car insurance bait and switch

Companies like State Farm and Allstate consistently run ads in print and on television. All the ads make the same claim about savings if you change your coverage to them. How do they all make the same claim? It's all in the numbers.

All the different companies can use profiling for the type of customer that earns them a profit. An example of a preferred risk could be between 30 and 50, is a homeowner, and has great credit. A customer who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be charged higher prices which leads to business going elsewhere. The ads state "customers who switch" not "everyone that quotes" save that much money. That's why companies can truthfully advertise the savings. That is why drivers should compare many company's rates. Because you never know the company that will fit your personal profile best.

Learn more today

Even more information is available at the West Virginia Insurance Commission website. Consumers can find out industry alerts, read industry bulletins, and find out which companies have the most complaints.

The best insurance company isn't always the cheapest

We just showed you some good ideas how to reduce car insurance prices online. It's most important to understand that the more you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with some of the smallest insurance companies.

Insureds leave their current company for a variety of reasons including poor customer service, high rates after DUI convictions, questionable increases in premium and even lack of trust in their agent. Regardless of your reason, finding a new car insurance company is less work than it seems.

The cheapest car insurance can be sourced from both online companies as well as from independent agents in Canvas, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.