7 Tricks Shown to Save on Car Insurance Costs in Oak Hill, WV

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many people just like you. There are many to pick from, and even though it's nice to have multiple companies, it makes it harder to compare rates.

This article will help educate you on how to get online quotes and some tricks to saving. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. West Virginia drivers only need an understanding of the most efficient way to compare prices online.

How much can you save with these seven discounts?

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specifically requested before you will receive the discount. If you're not getting every credit possible, you are throwing money away.

  • Accident Free - Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Clubs and Organizations - Belonging to a qualifying organization is a good way to get lower rates when shopping for car insurance.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Multiple Policy Discount - If you have multiple policies with one company you may save up to 20% off your total premium.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Sign Early and Save - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply up to age 25.

Consumers should know that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements that promise big savings by companies like Progressive, Allstate and GEICO. They all make an identical promise of big savings if you move to them.

How does each company make the same claim?

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, has no driving citations, and has excellent credit. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to save when switching.

Potential insureds who don't meet these standards will be quoted more money and ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. That's the way insurance companies can confidently make those claims.

This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which car insurance company will have the lowest rates.

Additional car insurance information can be found on the website for the West Virginia Insurance Commission located here. Consumers can read industry bulletins, find out which companies have the most complaints, download brochures, and view agent and company licensing information.

Also read more on this online resource for car insurance quotes in West Virginia and this list of insurance agents in Oak Hill.

In the end, you save

Cost effective car insurance is definitely available from both online companies and with local Oak Hill insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

While you're price shopping online, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.