9 Methods to Save on Car Insurance in West Hamlin

Having to pay for overpriced car insurance can empty your checking account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to help make ends meet.

There is such a variety of to pick from, and even though it's nice to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes yearly since rates are constantly changing. Despite the fact that you may have had the best deal on your last policy you will most likely find a better rate today. So ignore everything you know about car insurance because we're going to show you the only way to save on car insurance.

Finding the best rates in West Hamlin is quite easy. If you currently have a car insurance policy, you should be able to save some money using this strategy. Nevertheless, West Virginia car owners do need to know the way companies compete online and take advantage of how the system works.

These nine discounts can lower your rates

Companies offering auto insurance don't always advertise every available discount very clearly, so here is a list some of the more common as well as the least known ways to save on car insurance.

Good Student Discount - Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
Auto/Life Discount - Larger companies have a discount if you purchase life insurance.
Resident Student - Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
Multi-policy Discount - If you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
No Claims - Drivers who don't have accidents can earn big discounts compared to drivers who are more careless.
Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
E-sign - A few companies will give a small break simply for signing over the internet.
Clubs and Organizations - Belonging to a qualifying organization could trigger savings on your policy.

It's important to understand that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, it doesn't quite work that way.

Different people need different coverages

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different so this has to be addressed. For instance, these questions can help discover whether you might need an agent's assistance.

Should I buy only the required West Virginia minimum liability coverage?
When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Am I covered when driving in Canada or Mexico?
Are there companies who specialize in insuring high-risk drivers?
Is my dog or cat covered if injured in an accident?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Are you falling for claims of savings?

Companies like State Farm and Allstate continually stream ads on television and other media. All the ads make the same claim of big savings after switching your policy. How does each company make the same claim?

Insurance companies have a preferred profile for the right customer that earns them a profit. An example of a preferred risk could be between the ages of 30 and 50, has no prior claims, and has great credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a higher premium which leads to business going elsewhere. The ads state "customers that switch" not "everybody who quotes" save that kind of money. This is how insurance companies can confidently advertise the savings. That is why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

Learn more about car insurance in West Virginia

More tips and info about car insurance is available at the West Virginia Insurance Commission website. Consumers can file complaints about a company, view agent and company licensing information, read enforcement actions against agents and companies, and read consumer alerts.

Also read more on III.org's auto insurance page and this directory of insurance agents in West Hamlin West Virginia.

Do the work, save more money

You just learned some good ideas how to reduce car insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may even discover the lowest rates come from a small local company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .

When you buy insurance online, make sure you don't buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.