6 Discounts Mason Shoppers Forget when Quoting Car Insurance

Price shopping your Mason car insurance is difficult for beginners to comparison shopping online. Drivers have so many options available that it can be a big hassle to locate the lowest price in Mason.

It's important to price shop coverage before your policy renews since rates are constantly changing. If you had the best rates last year the chances are good that you can find a lower rate today. Don't believe everything you read about car insurance online but I'm going to show you some great ways to save money.

Finding the best rates in Mason is not that difficult. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Although West Virginia consumers do need to know the way companies determine prices.

These six discounts can lower your rates

Companies don't always advertise all their discounts very clearly, so the following is a list of both the well known and the more hidden car insurance savings.

  • Senior Citizens - Mature drivers can possibly qualify for a discount up to 10%.
  • No Claims - Claim-free drivers pay less as compared to bad drivers.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on the same car insurance policy could earn a price break for each car.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, you won't be that lucky.

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

Mason car insurance comparison

Comparison of Car Insurance in Mason

Most companies like Progressive, GEICO, Allstate and State Farm provide coverage price quotes online. Getting quotes doesn't take a lot of time as you just type in as detailed in the form. Once you submit the form, the system will obtain information on your driving record and credit history and returns a price quote based on these and other factors.

This makes it a lot easier to compare rates but the time required to go to each company's website and repetitively complete many quote forms is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find better car insurance pricing.

The preferred way to lower your car insurance bill is to use a quote form that gets price 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 enjoyable. After sending your information, it gets priced and you are able to buy any one of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you enter deductibles and limits as close as possible to your current policy. This makes sure you will receive comparison quotes based on the exact same insurance coverage.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to say the same thing about savings if you move your policy. How does each company claim to save you money?

All companies can use profiling for the right customer that is profitable for them. A good example of a desirable insured might be between the ages of 30 and 50, is a homeowner, and has great credit. Any new insured who fits that profile is entitled to the best price and as a result will probably save when switching.

Potential insureds who are not a match for these standards will have to pay more money which usually ends up with the customer not buying. Company advertisements say "people who switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully advertise the savings. Because of the profiling, drivers must get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

The best insurance company isn't always the cheapest

As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage at an affordable rate.

Consumers who switch companies do it for many reasons like denial of a claim, high rates after DUI convictions, unfair underwriting practices or delays in paying claims. Regardless of your reason for switching companies, finding the right car insurance provider is actually quite simple.

The cheapest car insurance is possible both online in addition to many Mason 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 the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Even more information can be read at the West Virginia Insurance Commission website. Visitors are able to learn about insurance regulations, read industry bulletins, and view a list of available companies.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Mason.