Easy Methods to Cut Costs on Elkins Auto Insurance

If online auto insurance comparisons are new to you, you can be overwhelmed because of the huge number of auto insurance companies selling insurance in Elkins.

These discounts can lower your rates

Companies don't list every discount very clearly, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Federal Employees - Simply working for the federal government may qualify you for a discount with a few auto insurance companies.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Multiple Cars - Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Paperwork-free - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Low Mileage Discounts - Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Military Discounts - Having a family member in the military could be rewarded with lower premiums.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, auto insurance companies aren't that generous.

For a list of insurance companies with discount auto insurance rates in West Virginia, click this link.

Auto Insurance Comparison Rates in Elkins, WV

Most major insurance companies like Progressive, Allstate and GEICO provide coverage price quotes on the web. Getting online rates doesn't take a lot of time as you simply type in your personal and coverage information as detailed in the form. Once entered, the company's rating system will obtain information on your driving record and credit history and returns pricing information based on these and other factors.

Quoting online makes it a lot easier to compare rates but the time it takes to visit a lot of sites and enter the same data into a form is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find better auto insurance pricing.

A more efficient way to compare rates uses one simple form to obtain quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online much more efficient. After sending your information, it gets priced with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.

To save time and find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you complete the form with the limits and deductibles identical to your current policy. This helps ensure you will receive a fair comparison based on identical coverages.

Different people need different coverages

When it comes to choosing coverage for your vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I wreck a rental car?
  • Does my personal policy cover me when driving my company car?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when using my vehicle for my home business?

If it's difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and can help protect your family.

In the end, you save

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, poor customer service, lack of trust in their agent and an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

In this article, we presented many ideas to get a better price on auto insurance. It's most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest rates come from the least-expected company.

Cheap auto insurance can be sourced online in addition to many Elkins insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and these small insurance companies work with independent agents.