7 Discounts Dallas Consumers Forget when Comparing Car Insurance

Expensive car insurance can take a big chunk out of your bank account and force you to make sacrifices. Comparison shopping is a smart way to tighten up your finances. Having so many insurance companies to choose from, it's difficult to pick the lowest price car insurance company.

How to Get Cheap Car Insurance in Dallas, WV

There are several ways to compare car insurance quotes, but some are more efficient than others. You can spend countless hours driving to insurance agencies in Dallas, or you could save time and use online quoting for quick rates.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company returns a competitive quote for coverage. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you are unable to specify the providers to get quotes from. If you wish to select from a list of companies to compare rates, we put together a list of car insurance companies in West Virginia. View list of West Virginia insurance companies.

Whichever way you use, make sure you use apples-to-apples deductibles and coverage limits for each comparison quote. If you use different values for each quote it's impossible to determine the lowest rate in Dallas.

How much can you save with these seven discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be inquired about before being credited. If you don't get every credit you deserve, you're paying more than you need to.

  • Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Lower Rates for Military - Having a deployed family member can result in better rates.
  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance.
  • Defensive Driving Course - Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurance companies with the best car insurance discounts in West Virginia, follow this link.

How much car insurance do I need?

When choosing proper insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's situation is a little different so your insurance needs to address that. For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Who is covered when they drive my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required West Virginia minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Should I rate my vehicle as pleasure use or commute?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Learn more about car insurance in West Virginia

Additional information is available on the website for the West Virginia Insurance Commission located here. Visitors are able to download brochures, file complaints about an insurance agent or broker, find disaster information, and file complaints about a company.

Additional helpful sites include this online resource for car insurance quotes in West Virginia and this list of insurance agents in Dallas.