Easy Tips to Save Money on New Haven Car Insurance

Are you intimidated by the crazy number of car insurance options in New Haven? Lot's of other consumers are too. People have so many options that it can turn into a ton of work to find better rates.

If you have insurance now or need new coverage, you can follow these tips to find the best rates while maintaining coverages. Pricing affordable coverage in New Haven is quite easy. West Virginia consumers only need to know the tricks to compare rates online.

How to Compare Car Insurance in New Haven, West Virginia

Cutting your car insurance rates is surprisingly easy. Consumers just need to take a couple of minutes comparing price quotes online with multiple companies. This is very easy and can be done in several different ways.

The recommended way to find low rates is a comparison rater form click here to open form in new window. This easy form eliminates the need for repetitive form submissions for each company. Filling out one form will return quotes from multiple companies. It's the fastest way to compare.
A slightly less efficient method to shop for car insurance online is to take the time to go to each individual company website and request a quote. For example, let's assume you want to compare rates from , and . You would have to visit each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in New Haven, click here.
The least recommended method to compare rates is to drive around to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you prefer the trained guidance of a licensed agent. However, consumers can get the lowest quotes online but buy from a local insurance agent and you'll learn how to do that later.

It's up to you which method you use, but ensure you are comparing the exact same coverages and limits with every price quote. If you have different deductibles it will be impossible to find the best deal in New Haven.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but a few need to be specifically requested prior to getting the savings. If they aren't giving you every credit possible, you're paying more than you need to.

Memberships - Being a member of certain professional organizations is a good way to get lower rates when buying car insurance.
Homeowners Discount - Owning a home in New Haven can help you save on car insurance because owning a home is proof that your finances are in order.
Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
Defensive Driver - Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
Senior Citizens - Mature drivers may qualify for a small decrease in premiums.
Early Signing - A few companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.
Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To see a list of insurers offering car insurance discounts in New Haven, click here to view.

Additional information can be found on the West Virginia Insurance Commission website through this link. Visitors are able to find out which companies have the most complaints, report car insurance fraud, and file complaints about a company.