Are you intimidated by the dozens of car insurance companies in Ripley? You’re not alone. You have so many choices that it can be a ton of work to compare prices.
Lower rates by qualifying for discounts
Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known car insurance savings.
- Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
- Own a Home – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
- Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
- Distant Student – Any of your kids who live away from home and don’t have a car can receive lower rates.
- Drive Less and Save – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
- Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
Consumers should know that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, you won’t be that lucky.
For a list of insurance companies with the best car insurance discounts in West Virginia, click here to view.
Car insurance is unique, just like you
When buying the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different.
These are some specific questions might help in determining if you could use an agent’s help.
- Do I have coverage when pulling a U-Haul trailer?
- Why does it cost so much to insure a teen driver in Ripley?
- Why am I be forced to buy a membership to get insurance from some companies?
- Is there coverage for injuries to my pets?
- Can my teen driver be rated on a liability-only vehicle?
- Do I pay less if my vehicle is kept in my garage?
- What discounts do I qualify for?
- Do I have coverage if my license is suspended?
- Will my rates increase for filing one claim?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Buyer beware of car insurance advertising tricks
State Farm, Allstate and Geico regularly use ads on TV and radio. All the companies say the same thing that you’ll save big if you move your policy. But how can every company make the same claim?
All the different companies can use profiling for the driver that makes them money. An example of a preferred risk could possibly be between 25 and 40, insures multiple vehicles, and has a high credit rating. Any driver who meets those qualifications is entitled to the best price and as a result will probably save when switching.
Potential insureds who don’t meet these standards must pay a more expensive rate and this can result in business not being written. The ads say “customers that switch” not “people who quote” save that much money. That’s why insurance companies can advertise the savings. This illustrates why drivers must get a wide range of price quotes. It’s not possible to predict which car insurance company will give you the biggest savings.
More sites with car insurance information
Even more information is located at the West Virginia Insurance Commission website. West Virginia drivers can learn about specific coverages, get help finding coverage, find a variety of consumer forms, and read consumer alerts.
In the end, you save
You just learned some good ideas how you can reduce car insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may even discover the lowest premiums are with a lesser-known regional company.
When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped physical damage coverage only to regret that it was a big error on their part. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.
Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, questionable increases in premium, poor customer service and lack of trust in their agent. It doesn’t matter what your reason, finding a great new company is less work than it seems.