Colliers Car Insurance For Less Than You're Paying Now

Price shopping your Colliers car insurance is a challenge for consumers new to comparison shopping online. People have so many choices that it can be more work than you anticipated to find lower rates in Colliers.

It's important to do rate comparisons before your policy renews since rates are constantly changing. Just because you had the lowest price six months ago you will most likely find a better rate today. You can find a lot of wrong information about car insurance online but I'm going to show you some great ways to put money back in your pocket.

If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. The purpose of this post is to let you in on the best way to quote coverages and some tricks to saving. But West Virginia car owners do need to know the methods companies use to sell insurance online because it can help you find the best coverage.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. Most are applied at the time of purchase, but a few must be requested specifically prior to receiving the credit.

  • 55 and Retired - If you qualify as a senior citizen, you may qualify for reduced rates.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with select insurance companies.
  • Passive Restraints - Factory air bags can get savings of more than 20%.
  • Defensive Driver - Taking part in a driver safety course could save 5% or more if you qualify.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Bundle and Save - If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • New Car Discount - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Accident Free - Claim-free drivers pay much less as compared to drivers who are more careless.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Drive Less and Save - Driving fewer miles could be rewarded with better rates on cars that stay parked.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will cut the cost of coverage.

Colliers car insurance comparison

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make the same claim that you'll save big if you switch 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 driver that earns them a profit. For instance, a desirable insured could be over the age of 40, is a homeowner, and has a high credit rating. Any new insured who matches those parameters gets the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay higher prices which leads to business going elsewhere. Company advertisements say "customers who switch" not "everybody who quotes" save money. That's why companies can state the savings.

Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict the company that will have the lowest rates.

Learn more today

Much more information about car insurance in West Virginia is located on the West Virginia Insurance Commission website found here. Consumers can learn about insurance regulations, download brochures, and file complaints about a company.

Shop smart and save

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced collision coverage and learned later that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best price.

Insureds switch companies for a variety of reasons including denial of a claim, extreme rates for teen drivers, poor customer service and even questionable increases in premium. Regardless of your reason for switching companies, finding a new car insurance company is less work than it seems.

You just learned some good ideas how to reduce car insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small mutual company.