Never Compare Dunbar Auto Insurance Without Knowing These Money Saving Tricks

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.

Discounts are basically free money

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.

  • Senior Discount – Older drivers may qualify for a small decrease in premiums.
  • Claim Free – Good drivers with no accidents pay much less when compared with accident-prone drivers.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.
  • Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Sign Online – Some insurance companies may give you up to $50 for buying a policy and signing up online.
  • No Charge for an Accident – Some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.

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.

Why some people pay less for insurance in Dunbar

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.

  • Car features impact rates – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • High crash test scores lower rates – Safer cars get lower rates. Safer cars reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.
  • Do you qualify for a multi-policy discount? – Many insurance companies will award you with lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to comparison shop to verify if the discount is saving money.
  • Do you need those extra coverages? – There are quite a few additional coverages that you can get tricked into buying on your policy. Coverages for vanishing deductibles, accidental death and motor club memberships may be wasting your money. They may seem good when talking to your agent, but if you don’t need them eliminate them to save money.
  • Where you live – Residing in a small town can be a good thing when it comes to auto insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Fewer drivers means fewer accidents.
  • You might want pay the small claims yourself – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies in West Virginia give better rates to drivers who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of larger claims.
  • Please use or commuting – The more you drive every year the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance policy properly reflects the correct driver usage.
  • With age comes lower rates – Teen drivers in West Virginia are statistically proven to get distracted easily when behind the wheel so auto insurance rates are higher. Older insureds are more responsible, file fewer claims and get fewer tickets.

Which insurance is the “right” coverage?

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.

  • How do I file an SR-22 for a DUI in West Virginia?
  • Who is covered by my policy?
  • Can I still get insurance after a DUI?
  • Which companies will insure high-risk drivers?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is business property covered if stolen from my car?
  • Is West Virginia a no-fault state?

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.

Beware of misleading auto insurance ads

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.

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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.

One last thing

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.