Tightwads Instructions on Saving on Point Pleasant Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are a lot of people in Point Pleasant just like you who feel imprisoned by their auto insurance policy. Lots of contend for your business, so it can be very hard to choose a to find the absolute lowest rate

It's important to check auto insurance prices at least once a year since insurance rates are constantly changing. Even if you got the best rates two years ago a different company probably has better rates today. You can find a lot of wrong information about auto insurance on the internet, so I'm going to show you some great ways to find cheap auto insurance.

If you have insurance now or are looking for a new policy, you can learn to get lower rates while maximizing coverage. Buying car insurance in Point Pleasant is easy if you know what you're doing. West Virginia vehicle owners just need to know the tricks to get comparison rates online.

Save big with these discounts

Car insurance companies don't list all their discounts in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find auto insurance savings. If they aren't giving you every credit possible, you are throwing money away.

Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance from them.
Defensive Driver - Taking a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
Anti-theft System - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Military Rewards - Having a deployed family member could mean lower rates.
Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Early Signing - Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
Passive Restraints and Air Bags - Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
Use Seat Belts - Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies don't profit that way.

What determines how much you pay?

Smart consumers have a good feel for some of the elements that go into determining auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with better auto insurance rates.

Drive less and save money - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most companies price each vehicle's coverage based on how the vehicle is used. Vehicles that are left in the garage get more affordable rates than those used for commuting. Verify your auto insurance policy is showing how each vehicle is driven.
Extra add-on coverages are wasting money - There are many extra coverages that you can buy if you aren't careful. Coverages like roadside assistance, towing coverage and motor club memberships are examples of these. They may seem like a good idea when talking to your agent, but if you don't need them get rid of them and save.
Multi-policy discounts can save money - Most companies will give a discount to people who carry more than one policy. It's known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it's in your best interest to compare other company rates to make sure you are getting the best deal. You may still be able to find a better deal by buying insurance from more than one company.
Safe vehicles cost less to insure - Safer cars are cheaper to insure. These vehicles result in less severe injuries and better occupant protection means lower claim amounts and lower rates for you.
You might want pay the small claims yourself - Car insurance companies in West Virginia provide better rates to people who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Car insurance is intended to be relied upon for the large, substantial claims.
Type of vehicle determines base rates - The performance level of the car you own makes a significant difference in the rate you pay. Lower performance four cylinder passenger models generally have the cheapest insurance rates, but there are many factors that impact the final cost.
A clean driving record saves money - Your driving citation history impacts your car insurance rates tremendously. Just one ticket can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance than bad drivers. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with the DMV in their state in order to continue driving.

Auto insurance ads bend the truth

West Virginia drivers get pounded daily by advertisements that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to say the same thing that you'll save big if you switch to them.

How do they all say the same thing? This is how they do it.

Different companies are able to cherry pick for the type of driver that earns them a profit. A good example of a desirable insured might be profiled as over the age of 50, has no tickets, and chooses high deductibles. A propective insured who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will have to pay more money which usually ends up with business not being written. The ad wording is "drivers who switch" not "people who quote" save money. That's the way companies can state the savings. Because of the profiling, drivers should get as many comparisons as possible. It's not possible to predict which auto insurance company will give you the biggest savings.

More detailed West Virginia auto insurance information can be read at the West Virginia Insurance Commission website. West Virginia drivers can file complaints about an insurance agent or broker, discover disciplinary actions, read consumer alerts, and find disaster information.

In the end, you save

When buying insurance coverage, you should never skimp on coverage in order to save money. In many instances, an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage for the lowest price.

Discount auto insurance can be found on the web and with local Point Pleasant insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.