Easy Methods to Cut Costs on Pinch Car Insurance

Are you overwhelmed by the dozens of car insurance choices in Pinch? You're not the only one! You have so many options available that it can turn into a ton of work to find lower rates.

It's important to price shop coverage at least once a year because rates are constantly changing. Just because you found the lowest price a couple years back you will most likely find a better rate today. There is a lot of bad information regarding car insurance online, so I'm going to show you some great ways to put money back in your pocket.

If you have a policy now or need new coverage, you can learn to shop for the lowest rates and still get good coverage. Shopping for affordable car insurance in Pinch is easy if you know what you're doing. West Virginia vehicle owners just need to know the tricks to get comparison rates on the web.

Save big with these discounts

Auto insurance companies don't necessarily list all their discounts in an easy-to-find place, so we researched some of the more common as well as the least known savings tricks you should be using. If they aren't giving you every credit possible, you are throwing money away.

  • Sign Online - A handful of insurance companies will give a small break for buying a policy and signing up on their website.
  • Drive Less and Save - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Clubs and Organizations - Belonging to certain professional organizations is a good way to get lower rates on car insurance.
  • Homeowners Discount - Owning a house in Pinch can help you save on car insurance because maintaining a house shows financial diligence.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Bundle and Save - If you have multiple policies with the same company you may save approximately 10% to 15%.
  • 55 and Retired - If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Seat Belts Save - Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • No Claims - Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.

Drivers should understand that most discounts do not apply the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn't make money that way.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements that promise big savings from companies such as State Farm, GEICO and Progressive. They all seem to make an identical promise that you'll save big if you change your policy.

How do they all make the same claim?

All the different companies are able to cherry pick for the right customer that earns them a profit. For instance, a desirable insured could be over the age of 50, has no tickets, and drives less than 10,000 miles a year. A customer who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will have to pay a more expensive rate and ends up with business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that kind of money. That's the way companies can advertise the way they do. Because of the profiling, you should quote coverage with many companies. Because you never know which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

More detailed West Virginia car insurance information is located at the West Virginia Insurance Commission website. Consumers can get help finding coverage, find disaster information, and find out which companies have the most complaints.

car insurance in Pinch

And the best car insurance company is...

Budget-conscious car insurance can be sourced from both online companies in addition to many Pinch insurance agents, and you should be comparing both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just showed you many tips how you can reduce car insurance prices online. It's most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the biggest savings come from the least-expected company.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped collision coverage and learned later that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.