Car Insurance in Shady Spring - 7 Discounts to Save Money

Have you had enough of robbing Peter to pay Paul each month for car insurance? You are in the same boat as millions of other consumers.

Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to check car insurance prices before your policy renews since rates are constantly changing. Even if you got the best deal a few years ago the chances are good that you can find a lower rate today. Starting now, forget all the misinformation about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you should be able to save some money using these methods. Buying car insurance in Shady Spring is quite easy. Nevertheless, West Virginia car owners do need to know the way companies price insurance differently and take advantage of how the system works.

Take advantage of discounts

Companies offering auto insurance do not advertise all their discounts in a way that's easy to find, so here is a list some of the more common and the harder-to-find ways to save on car insurance.

  • New Car Discount - Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
  • Military Rewards - Having a family member in the military may qualify for rate reductions.
  • Passive Restraints and Air Bags - Factory air bags can qualify for discounts of up to 25% or more.
  • Payment Method - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy qualifies for this discount.
  • Homeowners Pay Less - Owning a house in Shady Spring may earn you a small savings due to the fact that maintaining a home requires personal responsibility.

It's important to understand that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it doesn't quite work that way.

To see a list of companies who offer car insurance discounts in Shady Spring, click this link.

West Virginia car insurance quotes

Compare Shady Spring Car Insurance Costs

There are several ways to compare rate quotes and find the best price. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

  • The best way to get quotes is to use a rate comparison form click to view form in new window. This form keeps you from doing repetitive form entry to each individual car insurance company. In just a few minutes this one form gets rate comparisons direct from many companies.
  • A different way to compare rate quotes is spending the time to visit the website for each individual company and complete a new quote form. For sake of this example, we'll pretend you want rates from , and . To find out each rate you need to spend time on each company's site and enter your policy data, and that's why the first method is more popular.

    To view a list of companies in Shady Spring, click here.
  • The hardest way to get comparison rates is to waste gas driving to different Shady Spring agent offices. The internet has reduced the need for local agents unless you have a need for the professional guidance only provided by licensed Shady Spring agents. Drivers can obtain prices from the web and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just ensure you're using exactly the same information on every quote. If you enter higher or lower deductibles it will be very difficult to make a fair comparison in Shady Spring. Having just a slight variation in coverage limits can make a big difference in price. And when price shopping your coverage, quoting more will increase your chances of finding the best price.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make the same claim of big savings after switching to them. How can each company make the same claim? This is how they do it.

All the different companies can use profiling for the type of driver that is profitable for them. An example of a desirable insured could be between the ages of 30 and 50, is a homeowner, and has a short commute. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who don't qualify for the requirements will have to pay higher rates which leads to business going elsewhere. The ad wording is "drivers who switch" not "people who quote" save money. That's why insurance companies can confidently make the claims of big savings. Because of the profiling, drivers must get as many quotes as possible. It's just too difficult to predict the company that will fit your personal profile best.

Affordable insurance is out there

As you shop your coverage around, it's not a good idea to reduce coverage to reduce premium. In many instances, an accident victim reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest price.

You just learned many ideas to compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest rates come from a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than their larger competitors like .

Learn more today

More tips and info about car insurance is available at the West Virginia Insurance Commission website. Consumers can file complaints about an insurance agent or broker, download brochures, view a list of available companies, and find out industry alerts.