Easy Ways to Spend Less on Slatyfork Auto Insurance

If online auto insurance comparisons are new to you, it's easy to get overwhelmed because of the huge number of auto insurance companies competing for business in Slatyfork.

More discounts equal less premium

Car insurance companies don't necessarily list all available discounts in a way that's easy to find, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance.

More Vehicles More Savings - Having multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
Drivers Ed for Students - Have your child enroll in driver's education in high school.
Accident Free - Good drivers with no accidents pay less when compared with bad drivers.
Defensive Driving Course - Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Accident Forgiveness - A handful of insurance companies allow you one accident before raising your premiums so long as you haven't had any claims for a set time period.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

To see a list of insurers with the best auto insurance discounts in Slatyfork, click this link.

Finding Auto Insurance in Slatyfork, WV

Most companies provide pricing on their websites. This process is pretty easy as you just enter your coverage preferences into the quote form. Once you submit the form, the company's rating system will obtain your credit score and driving record and quotes a price based on many factors.

Online quotes makes comparing rates easy, but having to visit different websites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

The preferred way to get multiple rate quotes uses one form to get prices from more than one company. It's a real time-saver, reduces the work, and makes online price comparison a lot less work. Once the form is submitted, it gets priced and you are able to buy your choice of the price quotes you receive. If you find a better price it's easy to complete the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and submit the form. If you have your current policy handy, we recommend you input the limits and deductibles as close as possible to your current policy. This makes sure you're receiving a price comparison based on the exact same insurance coverage.

Why some people pay less for insurance in Slatyfork

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

Lower deductibles cost more - Physical damage deductibles represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims could be colliding with a building, vandalism, and burglary. The more expense you're willing to pay, the lower your rates will be.
Do you qualify for a multi-policy discount? - The majority of auto insurance companies will award you with lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even if you're getting this discount it's still a good idea to compare rates to make sure you are getting the best deal.
Keep rates low by being claim-free - Auto insurance companies in West Virginia give cheaper rates to insureds who file claims infrequently. If you frequently file small claims, you can definitely plan on higher rates. Your insurance policy is designed for larger claims.
Rates may be lower depending on your job - Occupations such as real estate brokers, executives and dentists tend to pay the highest average rates due to high stress levels and long work days. Other jobs such as scientists, historians and the unemployed have the lowest average rates.

It's not one size fits all

When choosing coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else's.

Here are some questions about coverages that might point out if you might need professional guidance.

Am I covered when driving on a suspended license?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?
Will I be non-renewed for getting a DUI or other conviction?
Does my personal auto insurance policy cover using my vehicle for business use?
Do I need to file an SR-22 for a DUI in West Virginia?
Does my policy cover me when driving someone else's vehicle?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form.

Switch companies and save? Really?

Allstate, GEICO and Progressive regularly use ads in print and on television. All the companies make the same claim about savings if you move to them. How can each company make almost identical claims? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of driver that is profitable for them. A good example of a profitable customer could possibly be between 30 and 50, owns a home, and has a high credit rating. A customer getting a price quote who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Consumers who do not match the requirements must pay higher prices which leads to the driver buying from a lower-cost company. The ads say "customers who switch" not "everyone that quotes" save money. That is how companies can truthfully state the savings. This illustrates why drivers must compare as many rates as you can. It's impossible to know which company will have the lowest rates.

Do the work, save more money

Cheaper auto insurance is possible online and with local Slatyfork insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. In too many instances, an insured cut full coverage and found out when filing a claim that they should have had better coverage. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, policy non-renewal, extreme rates for teen drivers or high rates after DUI convictions. It doesn't matter why you want to switch finding a new auto insurance company is actually quite simple.

For more West Virginia car insurance information

Even more information can be read at the West Virginia Insurance Commission website. West Virginia consumers can report car insurance fraud, read consumer alerts, and download brochures.