Learn How to Buy New Martinsville, WV Auto Insurance Like an Informed Consumer

If price shopping auto insurance online is new to you, it’s easy to get overwhelmed by the sheer number of companies offering coverage in New Martinsville.

Free Quotes for Auto Insurance in New Martinsville, WV

To find the best auto insurance prices, there are several ways to compare rate quotes from different in New Martinsville, WVinsurance companies. One of the best ways to find the lowest rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

  1. The single most time-saving way to get quotes for comparison is a comparison rater form click to view form in new window. This type of form keeps you from doing boring form submissions for every auto insurance company. One form will return quotes instantly. Just one form and you’re done.
  2. Another way to compare rate quotes is to manually visit each company website to complete a price quote. For sake of this example, we’ll pretend you want to compare rates from Progressive, Safeco and State Farm. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in New Martinsville, click here.
  3. The least recommended method of comparing rate quotes to different New Martinsville agent offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you prefer the personal advice of a local New Martinsville agent. It is possible to comparison shop your insurance online but still have the advice of a local agent and we’ll touch on that later.

It’s up to you which method you use, but double check that you are using apples-to-apples coverages with every price quote. If each company quotes differing limits you can’t possibly find the best deal in New Martinsville. Having just a slight variation in coverages may result in large price differences. It’s important to know that having more price comparisons will improve the odds of getting lower pricing.

Cut your premium with discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. A few discounts will automatically apply when you complete an application, but some must be specially asked for in order for you to get them.

  • Accident Free – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% with select insurance companies.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Multi-car Discount – Having more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.

Consumers should know that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will bring down your overall premium however.

For a list of companies with discount auto insurance rates in West Virginia, click here to view.

Car insurance is unique, just like you

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

Car insurance in West Virginia

  • Do I need special endorsements for business use of my vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • Will my rates increase for filing one claim?
  • Am I covered when driving on a suspended license?
  • Do I need rental car coverage?
  • Should I sign the liability waiver when renting a car?
  • Should I put collision coverage on all my vehicles?
  • Should I buy only the required West Virginia minimum liability coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Consumer auto insurance information in West Virginia

More information can be read on the West Virginia Insurance Commission website through this link. West Virginia drivers can get help finding coverage, learn about specific coverages, and file complaints about an insurance agent or broker.