Are you tired of scraping the payment together to pay your car insurance bill each month? Your situation is no different than many other West Virginia consumers.
Drivers have multiple auto insurance companies to buy insurance from, and though it is a good thing to be able to choose, having more auto insurance companies makes it harder to locate the cheapest rates.
You need to take a look at other company’s rates before your policy renews because insurance rates change quite often. Even if you think you had the best price six months ago you can probably find a better price now. You can find a lot of misleading information regarding auto insurance on the internet, so by reading this article, you’re going to learn some great ideas on how to slash your auto insurance rates.
This article will teach you the most effective way to quote insurance. If you currently have car insurance, you should be able to cut costs considerably using this strategy. Although West Virginia consumers need to learn the way insurance companies price insurance differently and use this information to your advantage.
Compare the Market for Auto Insurance in Wheeling, WV
Most companies allow you to get insurance quotes online. The process is pretty easy as you simply enter as requested by the quote form. When the form is submitted, their system sends out for your driving record and credit report and generates pricing information determined by many factors. Being able to quote online helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it is imperative to get many rate quotes if you want to find the best price on auto insurance.
The preferred way to lower your auto insurance bill requires only one form to get prices from several companies at one time. This type of form saves time, eliminates repetitive work, and makes quoting online much easier. Immediately after submitting the form, it gets priced and you are able to buy your choice of the pricing results.
If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.
To save time and compare pricing, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you copy identical to your current policy. This helps ensure you will have an apples-to-apples comparison using the same coverage and limits.
Your local neighborhood insurance agent
Certain consumers would prefer to buy from a local agent and that is OK! The biggest benefit of comparing rates online is you may find lower rates but also keep your business local. Buying from local insurance agencies is especially important in Wheeling.
Once you complete this short form, your insurance data is instantly submitted to insurance agents in Wheeling who will battle to get your business. There is no need to visit any agencies as quotes are delivered directly to your email. How cool is that?! Get lower rates and an insurance agent to talk to.
Different types of insurance agencies in Wheeling
When searching for an insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agencies in Wheeling are categorized either captive or independent.
Independent Agents (or Brokers)
Independent agents are not employed by any specific company but instead can place your coverage with lots of companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part.
When comparison shopping, it’s recommended you include price quotes from multiple independent agents to ensure the widest selection of prices.
Below are independent insurance agencies in Wheeling who may be able to give you price quote information.
Nabonwide Insurance – 1203 Mount DE Chantal Rd – Wheeling, WV 26003 – (304) 243-6800
Nationwide Insurance – 1203 Mount DE Chantal Rd # 2 – Wheeling, WV 26003 – (304) 242-8840
Captive Insurance Agents
Captive agencies work for only one company such as State Farm, Allstate and AAA. These agents are not able to shop your coverage around so they have to upsell other benefits. They are well schooled on their company’s products and that can be a competitive advantage.
Listed below is a short list of captive agents in Wheeling who can help you get comparison quotes.
Allstate Insurance – 1010 National Rd – Wheeling, WV 26003 – (304) 232-1200
State Farm Insurance – 2192 National Rd – Wheeling, WV 26003 – (304) 242-2390
For a complete listing of Wheeling captive agents, simply jump to this page.
Selecting an auto insurance agent shouldn’t rely on just a low price. Any agent should be forthright in answering these questions:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they have any clout with companies to ensure a fair claim settlement?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are claims handled at the agent’s location?
- How long has their agency been in business in Wheeling?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will their companies depreciate repairs to your car based on the mileage?
Once you have good answers to your questions in addition to an acceptable price estimate, you may have just found a car insurance agent that meets your needs to adequately provide auto insurance.
More West Virginia auto insurance information
More information is located on the website for the West Virginia Insurance Commission located here. West Virginia drivers can find disaster information, find out industry alerts, read state legal mandates and laws, and find a variety of consumer forms.
Additional helpful sites include this Car Insurance FAQ and this link where you can get more info about Wheeling auto insurance.