Car Insurance in Lost Creek - 8 Ways to Save Money

No one in their right mind likes having to buy car insurance, especially when they are paying too much. You have so many to pick from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates.

It's important to shop coverage around periodically since rates are constantly changing. Even if you got the lowest price last year you can probably find a better price now. Don't believe everything you read about car insurance online but we're going to give you some great ways to quit paying high car insurance rates.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise every available discount very clearly, so we researched some of the more common as well as the least known car insurance savings. If you're not getting every credit you qualify for, you are paying more than you should be.

Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Good Student - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Multi-policy Discount - If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
Driver Safety - Taking part in a driver safety course can save you 5% or more if your company offers it.
Low Mileage - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
Resident Student - Children who are 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 the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

To choose providers who offer car insurance discounts in West Virginia, follow this link.

Save $429 a year? Really?

Consumers can't ignore all the ads for cheaper car insurance from the likes of Allstate and Progressive. All the ads say the same thing about savings after switching your coverage to them.

How does each company make the same claim?

All the different companies have a certain "appetite" for the type of customer that makes them money. For instance, a preferred risk could be over the age of 40, a clean driving record, and has great credit. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will be charged a higher premium which usually ends up with business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully advertise the savings. That is why you should quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

Insurance agents can help

When buying the best car insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation could use an agent's help.

Does my insurance cover a custom paint job?
Should I buy only the required West Virginia minimum liability coverage?
When does my teenage driver need to be added to my policy?
What is the difference between comprehensive and collision coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I rate my vehicle as pleasure use or commute?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Additional West Virginia consumer information

Even more information is located at the West Virginia Insurance Commission website. Consumers can find out industry alerts, file complaints about a company, view agent and company licensing information, and read consumer alerts.

Other informative sites include NAIC.org's Understanding your Policy and this directory of Lost Creek insurance agents.

And the best car insurance company is...

As you prepare to switch companies, make sure you don't buy poor coverage just to save money. Too many times, someone dropped collision coverage and learned later that the small savings ended up costing them much more. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

You just learned a lot of tips how to save on car insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest premiums are with some of the lesser-known companies. Some small companies may cover specific market segments cheaper compared to the large companies like .

Cheaper car insurance can be purchased from both online companies as well as from independent agents in Lost Creek, and you need to comparison shop both to have the best selection. There are still a few companies who don't offer online price quotes and many times these small, regional companies only sell through independent insurance agents.