Proven Ways to Save on Kenova Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say there are many Kenova consumers feeling the pinch from expensive auto insurance. Multiple compete to insure your vehicles, so it can be very hard to choose a and get the best coverage at the lowest rate

It's important to get comparison quotes every six months because insurance rates are constantly changing. Even if you got the best rates on your last policy the chances are good that you can find a lower rate today. You can find a lot of wrong information about auto insurance online, so we're going to give you some great ways to save money.

If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage in Kenova is not that difficult. West Virginia consumers only need to know the most effective way to compare company rates over the internet.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise every available discount in an easy-to-find place, so the following is a list of both well-publicized and the more hidden auto insurance savings. If they aren't giving you every credit possible, you're paying more than you need to.

Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy could earn a price break for each car.
Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
Low Mileage - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
Military Discounts - Having a deployed family member may qualify for rate reductions.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with certain companies.
Resident Student - Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

To see a list of providers who offer auto insurance discounts in Kenova, follow this link.

How to Compare Auto Insurance Quotes in Kenova, West Virginia

Effectively comparing auto insurance prices can take hours if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in Kenova, or you can utilize online quoting to get pricing more quickly.

Many insurance companies participate in a marketplace that allows shoppers to send in one quote, and each company can provide price quotes for coverage. This eliminates the need for quote requests to each individual auto insurance company.

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

The one disadvantage to comparing rates this way is you are unable to specify which carriers you will receive quotes from. If you prefer to choose specific providers to compare, we put together a list of low cost auto insurance companies in West Virginia. Click to view list.

Which method you use is up to you, but ensure you are comparing the exact same information on every quote you get. If you use higher or lower deductibles it will be impossible to determine which rate is truly the best in Kenova.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.

Traffic violations increase rates - Your driving record impacts your car insurance rates tremendously. Even a single ticket may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend before a claim is paid by your company. The more expense the insured has to pay upfront, the less your auto insurance will be.
The more you drive the more you pay - Driving more miles in a year the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance coverage is showing the proper vehicle usage.
Higher safety ratings means cheaper insurance - Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you.
Do you have a high stress job? - Did you know that where you work can have an impact on rates? Occupations like real estate brokers, architects and accountants are shown to have higher rates than average attributed to high stress levels and lengthy work days. On the flip side, occupations like actors, athletes and performers pay the least.
Marriage brings a discount - Getting married can get you a discount when buying auto insurance. Marriage usually means you are more responsible and it's statistically proven that being married results in fewer claims.

Is there truth in advertising?

West Virginia consumers can't get away from ads that promise big savings from companies such as State Farm and Allstate. All the ads say the same thing about savings after switching your policy.

How do they all make almost identical claims?

All companies are able to cherry pick for the right customer that is profitable for them. A good example of a preferred risk could possibly be a mature driver, has no driving citations, and has great credit. A driver who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state "people who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully advertise the savings. That is why drivers must get as many quotes as possible. It is impossible to predict which auto insurance company will fit your personal profile best.

A tidy conclusion

In this article, we presented a lot of information how to compare auto insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the best price on auto insurance is with an unexpected company. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

The cheapest auto insurance can be purchased online in addition to many Kenova insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

When you buy insurance online, you should never reduce coverage to reduce premium. There have been many cases where someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Learn more about West Virginia auto insurance

Even more information can be read at the West Virginia Insurance Commission website. West Virginia consumers can file complaints about a company, report car insurance fraud, file complaints about an insurance agent or broker, and find disaster information.