Easy Tips to Cut Costs on Mullens Car Insurance

Are you overwhelmed by the number of car insurance options in Mullens? You're not alone. People have so many options that it can turn into a real hassle to find the perfect company for you.

It's important to check car insurance prices at least once a year because rates are constantly changing. Even if you got the best deal six months ago you may be paying too much now. Starting right now, block out anything you think you know about car insurance because you're going to learn the only way to save money, get proper coverage and the best rates.

Quick Mullens Car Insurance Quotes

Effectively comparing car insurance prices can be exhausting if you don't know the most efficient way to do it. You could spend your day driving to insurance agencies in Mullens, or you can utilize the internet to get rate comparisons in just a few minutes.

All the larger companies participate in an industry program that allows shoppers to submit one quote, and at least one company then gives them pricing. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is buyers cannot specifically choose which companies you want pricing from. So if you want to select specific insurance companies to request quotes from, we have assembled a list of low cost car insurance companies in West Virginia. Click to view list.

However you get your quotes, compare exactly the same information for each comparison quote. If you compare higher or lower deductibles it will be impossible to determine the lowest rate in Mullens.

What determines how much you pay?

It's important that you understand the factors that help determine your car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with big savings.

  • Being married is a good thing - Being married can get you a discount on car insurance. It is viewed as being more mature and it's statistically proven that being married results in fewer claims.
  • Don't buy coverages you don't need - There are a ton of extra coverages that you can buy on your policy. Insurance for vanishing deductibles, towing coverage and motor club memberships are some examples. These coverages may sound good at first, but if you don't need them eliminate the coverages to reduce your premium.
  • The more you drive the more you pay - Driving more miles in a year the more you will pay for car insurance. Most companies rate vehicles based on their usage. Cars not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your car insurance coverage is rated on the proper vehicle usage, because it can save money.
  • More claims means more premium - If you file claims often, you can pretty much guarantee higher rates. Car insurance companies in West Virginia generally give cheaper rates to drivers who file claims infrequently. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Performance level impacts rates - The performance level of the vehicle you own makes a big difference in determining your rates. Economy passenger models receive the most favorable rates, but there are many factors that impact the final cost.
  • How's your driving record? - Your driving citation history has a huge affect on how much you pay. Good drivers receive lower rates compared to drivers with tickets. Even a single speeding ticket can increase rates forty percent or more. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Better credit means lower rates - Credit history is a large factor in calculating your car insurance rates. If your credit rating is not that good, you could be paying less to insure your by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be requested specifically before being credited. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Sign Online - A handful of insurance companies will give a small break just for signing your application digitally online.
  • Driver Safety - Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
  • New Car Discount - Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount with select insurance companies.
  • Early Switch Discount - A few companies offer discounts for switching to them before your current policy expires. It's a savings of about 10%.

It's important to note that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck. But any discount will reduce the amount you have to pay.

For a list of companies who offer car insurance discounts in Mullens, click here.

More information is available on the West Virginia Insurance Commission website through this link. Consumers can get help finding coverage, discover disciplinary actions, and file complaints about an insurance agent or broker.

car insurance in Mullens

In the end, you save

Lower-priced car insurance can be purchased from both online companies and with local Mullens insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, it's a bad idea to reduce needed coverages to save money. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate.

We just showed you a lot of techniques to lower your car insurance rates. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may even find the lowest priced car insurance comes from an unexpected company.