Tightwads Instructions on Saving on Salem Auto Insurance

Sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than most other car owners in West Virginia. Lots of contend for your business, so it's not easy to compare every and uncover the absolute lowest price

It's important to take a look at other company's rates once or twice a year since insurance rates are constantly changing. Just because you had the best price two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the proper way to buy cheaper auto insurance.

If you have insurance now or need new coverage, you can follow these tips to find better prices while maximizing coverage. Finding affordable coverage in Salem is easy if you know what you're doing. West Virginia vehicle owners just need to know the best way to compare company rates online.

Salem auto insurance quote

How to Compare Auto Insurance Costs in Salem

Comparing auto insurance rates can take time and effort if you aren't aware of the best way to get rate quotes. You can spend countless hours talking to insurance agencies in Salem, or you can stay home and use the web to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system that allows shoppers to submit one quote, and at least one company can give them a price. This system prevents you from having to do quote forms to each individual auto insurance company. To submit your quote information now, click to open in new window.

One minor caviat to using this type of system is buyers cannot specifically choose the providers you want to price. So if you want to select individual companies to request quotes from, we have a page of the cheapest auto insurance companies in West Virginia. Click here for list of insurance companies in West Virginia.

It's up to you how you get prices quotes, just double check that you are using the exact same coverages and limits on every quote. If you are comparing different deductibles you will not be able to make a fair comparison in Salem.

Be sure to get all your discounts

Car insurance is not cheap, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be specially asked for before they will apply. If they aren't giving you every credit available, you're paying more than you need to.

  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Service Members Pay Less - Having a family member in the military could mean lower rates.
  • Good Students Pay Less - A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Memberships - Affiliation with certain professional organizations could trigger savings on your policy.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
  • Resident Student - Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Defensive Driver - Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • No Accidents - Claim-free drivers can save substantially compared to bad drivers.
  • Student Driver Training - Have your child take driver's ed class in school.

Consumers should know that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies don't profit that way. But all discounts will cut the amount you have to pay.

To see a list of providers offering auto insurance discounts in Salem, click this link.

Much more information about auto insurance in West Virginia can be found on the website for the West Virginia Insurance Commission. Click here for link. West Virginia drivers can read consumer alerts, find disaster information, file complaints about a company, and find out which companies have the most complaints.