How to Find the Cheapest Clay Car Insurance

If online car insurance comparisons are new to you, you may be confused by the hoards of car insurance companies all offering big savings in Clay.

If you are insured now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Locating affordable car insurance coverage in Clay can be fairly easy. West Virginia vehicle owners just need to know the most effective way to get comparison quotes online.

Take advantage of discounts

Car insurance companies don't always list every discount in a way that's easy to find, so the following is a list of both the well known and also the lesser-known car insurance savings. If you aren't receiving every discount you qualify for, you are throwing money away.

Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
Anti-theft System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
Distant Student - Children living away from home attending college without a vehicle on campus may qualify for this discount.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out life insurance from them.
Multiple Policy Discount - If you have multiple policies with the same company you may earn 10% to 20% off each policy.
Passive Restraints - Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
Service Members Pay Less - Having a deployed family member can result in better rates.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like comp or med pay. Just because it seems like you could get a free car insurance policy, companies don't profit that way.

You have some control over your rates

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to better car insurance rates.

Small claims can cost you - If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Companies in West Virginia provide cheaper rates to people who are claim-free. Car insurance is intended for larger claims.
Do you qualify for a multi-policy discount? - The majority of companies provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it's still a good idea to compare other company rates to ensure the best deal.
Equipment add-ons that lower car insurance rates - Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
Your location is important - Living in a small town can save you money when talking about car insurance. Fewer people translates into fewer accidents and a lower car theft rate. Urban drivers have traffic congestion and much longer commute distances. More time commuting means more change of being in an accident.

How to know if you need help

When it comes to buying coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different.

These are some specific questions might point out whether your personal situation would benefit from professional advice.

Am I covered if I drive in a foreign country?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?
What can I do if my company won't pay a claim?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
What are West Virginia no-fault laws?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form. It's fast, doesn't cost anything and you can get the answers you need.

Are car insurance companies telling the truth?

Consumers in West Virginia get pounded daily by advertisements for cheaper car insurance by Progressive, Allstate and GEICO. They all say the same thing that you'll save big if you move to their company.

How can each company claim to save you money? It's all in the numbers.

Different companies have a certain "appetite" for the driver that earns them a profit. A good example of a driver they prefer might be a mature driver, owns a home, and has a high credit rating. Any driver who fits that profile gets the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted a more expensive rate which usually ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save that much. That is how companies can state the savings. This emphasizes why drivers should get as many comparisons as possible. You cannot predict which company will have the lowest rates.

More detailed West Virginia car insurance information can be read at the West Virginia Insurance Commission website. Visitors are able to download brochures, read consumer alerts, and view a list of available companies.

A tidy conclusion

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, policy non-renewal, unfair underwriting practices and even delays in paying claims. No matter why you want to switch, finding a new car insurance company is less work than it seems.

As you restructure your insurance plan, it's not a good idea to skimp on coverage in order to save money. There are too many instances where an insured cut collision coverage and discovered at claim time that they should have had better coverage. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

We just presented many ways to reduce car insurance prices online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with some of the smallest insurance companies.