Free Guide to Spending Less for Elkins, WV Auto Insurance Online

Buying affordable Elkins auto insurance over the internet can be problematic for consumers not familiar with shopping for insurance online. With such a large number of companies in the marketplace, how can Elkins drivers have a chance to compare them all to find the cheapest available price?

Finding the best rates in Elkins is not that difficult. Essentially anyone who carries auto insurance will most likely be able to find better rates. But West Virginia consumers can benefit by having an understanding of how insurance companies sell online.

Free Elkins Auto Insurance Quotes

All major auto insurance companies like Allstate, GEICO and Progressive quote coverage prices online. Getting online quotes is pretty easy as you simply type in as detailed in the form. Upon sending the form, their rating system makes automated requests for credit information and your driving record and provides a quote based on these factors.

Being able to quote online makes comparing rates easy, but the time it takes to visit different websites and type in the same information is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible in order to get better auto insurance pricing.

Isn’t there an easier way to compare rates?

The easiest way to find lower prices uses one form to obtain quotes from several companies at one time. The form is fast, reduces the work, and makes online quotes much more efficient. As soon as you send your information, your coverage is rated and you can choose any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It just takes a couple of minutes and can result in significant savings.

In order to compare rates now, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you duplicate your coverages as shown on your current policy. Doing this assures you’re receiving rate quotes based on identical coverages.

Lots of discounts mean lots of savings

Car insurance companies don’t always list all their discounts very well, so the following is a list of both well-publicized and the harder-to-find auto insurance savings.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident without raising rates if you are claim-free for a set time period.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • Own a Home – Owning a house in Elkins can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Multi-policy Discount – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Club Memberships – Participating in a civic or occupational organization could trigger savings when shopping for auto insurance.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.

Drivers should understand that many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

Tips to Get Lower Elkins Rates

Smart consumers have a good feel for the different types of things that come into play when calculating your auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • How’s your driving record? – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Only having one ticket can bump up the cost twenty percent or more. Drivers who get dangerous violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Rural vs Urban Areas – Choosing to live in a rural area can save you money when it comes to auto insurance. Fewer people means fewer accidents and also fewer theft and vandalism claims. Drivers in populated West Virginia areas have to deal with traffic congestion and longer commute times. More time on the road translates into higher accident risk.
  • Your occupation can affect rates – Occupations like doctors, architects and dentists are shown to have the highest average rates because of job stress and long work days. Other occupations like actors, historians and retirees pay the least.
  • Better credit means lower rates – Your credit rating is a large factor in determining what you pay for auto insurance. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower credit scores. So if your credit score can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
  • High numbers of claims are not good – If you frequently file small claims, you can definitely plan on higher rates. Companies in West Virginia provide better rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Extra coverages can waste money – There are a ton of extra coverages that you can buy if you aren’t careful. Coverages like rental car reimbursement, towing coverage and term life insurance are examples of these. They may seem good at first, but if they’re wasting money get rid of them and save.
  • Safer cars are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Your age impacts your rates – Young drivers in West Virginia are statistically proven to get distracted easily behind the wheel so they pay higher auto insurance rates. Having to add a teen driver to your policy can be quite pricey. Older drivers are more responsible, file fewer claims and get fewer tickets.

More detailed West Virginia auto insurance information can be found at the West Virginia Insurance Commission website. West Virginia consumers can get help finding coverage, report car insurance fraud, and file complaints about an insurance agent or broker.

Elkins WV insurance ad

A little work can save a LOT of money

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

You just learned a lot of tips how to compare auto insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the best price on auto insurance is with a lesser-known regional company.

Discount auto insurance is attainable online and also from your neighborhood Elkins agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.