10 Tips Proven to Slash the Cost of Car Insurance Costs in West Logan, WV

Sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other West Virginia drivers.

Numerous battle for your business, so it's not easy to compare every to find the lowest price

It's important to compare prices once or twice a year since rates are constantly changing. If you had the lowest rates last year you can probably find a better price now. Starting right now, forget all the misinformation about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

Don't pay full price with these ten discounts

Car insurance companies don't list all their discounts in an easy-to-find place, so we break down both the well known and also the lesser-known savings tricks you should be using.

Save with a New Car - Insuring a new car can cost up to 25% less since new cars are generally safer.
Student Driver Training - Cut your cost by having your teen driver complete a driver education course in high school.
Claim Free - Claim-free drivers can save substantially as compared to accident-prone drivers.
More Vehicles More Savings - Having multiple cars or trucks with the same company can get a discount on all vehicles.
Life Insurance - Some companies give lower rates if you buy a life insurance policy as well.
Homeowners Pay Less - Owning a house in West Logan can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
Defensive Driving Course - Completing a defensive driving course could save 5% or more if your company offers it.
Anti-lock Brake System - Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.

It's important to note that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you're out of luck.

To choose companies with the best car insurance discounts in West Logan, click here to view.

The car insurance bait and switch

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads in print and on television. They all seem to make an identical promise that you can save if you move your coverage to them. How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the type of customer that makes them money. For example, a desirable insured might be between 25 and 40, has no tickets, and has great credit. Any new insured who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will have to pay higher rates and ends up with the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save that much money. That's why insurance companies can advertise the savings. Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict the company that will give you the biggest savings.

More West Virginia car insurance information

Additional detailed information can be found at the West Virginia Insurance Commission website. Visitors are able to file complaints about an insurance agent or broker, download brochures, read industry bulletins, and report car insurance fraud.

Final considerations

As you prepare to switch companies, never buy poor coverage just to save money. In many instances, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best price.

Lower-priced car insurance is definitely available both online as well as from independent agents in West Logan, so you should compare both to get a complete price analysis. There are still a few companies who don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.