Comparison Shop Grafton Auto Insurance Prices With These Tricks

Finding the lowest cost Grafton auto insurance over the internet is difficult for consumers new to comparison shopping online. With so many insurers to choose from, how can you even start to compare the different rates to find the best pricing?

It's important to compare prices quite often because prices are constantly changing. Even if you got the best deal last year there may be better deals available now. So ignore everything you know about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise all their discounts very well, so here is a list both well-publicized as well as the least known savings tricks you should be using.

Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
College Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
Bundle and Save - When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
Own a Home - Owning a house in Grafton can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

For a list of companies who offer auto insurance discounts in West Virginia, click here to view.

Free Quotes for Auto Insurance in Grafton, West Virginia

The are a couple different ways of comparing price quotes from local Grafton auto insurance companies. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

One of the best ways to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form prevents you from having to do separate forms for every auto insurance company. One form gets rate comparisons from several companies. This is by far the quickest method.

A more difficult way to shop for auto insurance online is spending the time to visit the website for each individual company to request a price quote. For sake of this example, let's assume you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in Grafton, click here.

The least recommended way to get comparison rates is driving around to local Grafton insurance agencies. Buying insurance online makes this process obsolete unless you require the trained guidance of a local Grafton agent. However, consumers can compare online quotes but buy from a local insurance agent. We'll cover that shortly.

It's your choice how you get your quotes, but make darn sure you compare apples-to-apples information for each price quote. If each company quotes higher or lower deductibles it's not possible to truly determine the lowest rate in Grafton. Quoting even small variations in coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes provides better odds of finding the best price.

Insurance agents can help

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation would benefit from an agent's advice.

When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Am I covered if I wreck a rental car?
Does my policy cover my teen driver if they drive my company car?
Why am I required to get a high-risk car insurance policy?
What are West Virginia no-fault laws?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Shop smart and save

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. In many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford.

Cheaper auto insurance can be purchased online and also from your neighborhood Grafton agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.

People change insurance companies for a number of reasons such as delays in paying claims, not issuing a premium refund, policy non-renewal and policy cancellation. No matter why you want to switch, choosing a new insurance company is not as hard as you think.