Getting the Cheapest Newell Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, many Newell consumers feel financially strained by their auto insurance policy.

Big companies like State Farm, Allstate, GEICO and Progressive promote their brand names with advertising and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to do rate comparisons at least once a year because insurance rates are constantly changing. Just because you had the lowest price six months ago you may be paying too much now. Block out anything you think you know about auto insurance because you're about to find out the proper way to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Finding affordable coverage in Newell is quite easy. Nevertheless, West Virginia drivers do need to know how insurance companies sell insurance online because it can help you find the best coverage.

Comprehensive Newell Auto Insurance Comparison Quotes

The are a couple different ways of comparing rate quotes from auto insurance companies in your area. The recommended way to find competitive insurance rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.

The first (and easiest) way to get the best comparison quotes is a comparison rater form click here to open form in new window. This method keeps you from doing boring form submissions for each company you want a rate for. Completing one form will return quotes from all major companies.

A less efficient way to shop for auto insurance online is to take the time to go to each company's website and complete a new quote form. For instance, we'll pretend you want to compare rates from , and . To get each rate you have to go to every website and enter your information, and that's why the first method is more popular.

For a list of links to companies insuring cars in Newell, click here.

Whichever way you use, compare exactly the same coverages and limits on every quote. If you are comparing different deductibles it will be very difficult to make a fair comparison in Newell. Just a small difference in coverage limits can mean a large discrepancy in price. Just keep in mind that more quotes will increase your chances of finding a lower rate.

Why some people pay less for insurance in Newell

It's important that you understand some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

Are you male or female? - Statistics demonstrate women are more cautious behind the wheel. That doesn't necessarily mean that women are better drivers. Both sexes have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
Don't buy coverages you don't need - There are many extra coverages that you can buy on your auto insurance policy. Insurance for vanishing deductibles, towing coverage and motor club memberships are examples of these. They may seem good when talking to your agent, but if you don't need them eliminate the coverages to reduce your premium.
Your credit rating is important - Credit score is a huge factor in calculating your auto insurance rates. If your credit history is lower than you'd like, you could be paying less to insure your by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with poor credit.
Car features impact rates - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
Do you qualify for a multi-policy discount? - Most companies will give a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it's in your best interest to shop around to make sure you are getting the best deal. You may still be able to find a better deal by buying auto insurance from a different company.
Adjust deductibles and save - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, damage from fire, or theft. Your deductibles are how much you are willing to pay before your auto insurance pays a claim. The more you're willing to pay, the less your auto insurance will be.
Lower miles equals lower premium - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most companies apply a rate determined by how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so we researched both well-publicized and the harder-to-find auto insurance savings.

Save over 55 - Older drivers may qualify for reduced rates.
Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
Passive Restraints and Air Bags - Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
Drivers Ed for Students - Require your teen driver to complete a driver education course in school.
Theft Prevention Discount - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
Homeowners Discount - Owning a house in Newell may trigger a auto insurance policy discount because owning a home shows financial diligence.
Payment Discounts - If you pay your bill all at once rather than paying monthly you can actually save on your bill.

It's important to understand that most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

For a list of companies offering auto insurance discounts in Newell, follow this link.

More tips and info about auto insurance is located at the West Virginia Insurance Commission website. West Virginia consumers can learn about insurance regulations, discover disciplinary actions, find out industry alerts, and view a list of available companies.

Do the work, save more money

As you restructure your insurance plan, it's not a good idea to reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that they should have had better coverage. Your aim should be to buy the best coverage you can find for the lowest price.

Low-cost auto insurance is available online and with local Newell insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

In this article, we presented many ways to lower your auto insurance rates. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the biggest savings come from a smaller regional carrier. Smaller companies can often provide lower rates in certain areas compared to the large companies like .