Are you a victim of an underperforming, overpriced auto insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. You have so many car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, lots of choices makes it harder to find the lowest cost provider.
Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be asked about in order for you to get them. If you’re not getting every credit you deserve, you’re just leaving money on the table.
Drivers should understand that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, auto insurance companies aren’t that generous. But all discounts will cut your premiums.
An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions might help in determining whether your personal situation will benefit from professional help.
If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Consumers in West Virginia can’t ignore all the ads for cheaper car insurance from the likes of State Farm and Allstate. They all make the same claim of big savings if you move your coverage to them.
How can each company claim to save you money?
Different companies are able to cherry pick for the driver that is profitable for them. A good example of a driver they prefer could be between 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will get very good rates and therefore will save quite a bit of money when switching.
Potential customers who are not a match for this ideal profile will be quoted higher rates which leads to the customer not buying. The ads say “people who switch” not “people who quote” save that much money. This is how companies can make those claims.
This emphasizes why drivers must get quotes from several different companies. It is impossible to predict which auto insurance company will fit your personal profile best.
Additional auto insurance information can be read on the website for the West Virginia Insurance Commission located here. Consumers can get help finding coverage, learn about insurance regulations, find disaster information, and view a list of available companies.
The cheapest auto insurance is possible on the web and also from your neighborhood Dunbar agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.
As you restructure your insurance plan, never reduce coverage to reduce premium. There are too many instances where someone sacrificed physical damage coverage and found out when filing a claim that they should have had better coverage. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.