Proven Tricks for Buying South Charleston Car Insurance Cheaper

Are you overwhelmed by the sheer number of car insurance options in South Charleston? You’re not alone. There are so many options available that it can easily become more work than you anticipated to find better rates.

Save big with these discounts

Auto insurance companies don’t always publicize all available discounts in a way that’s easy to find, so we researched some of the more common as well as the least known car insurance savings.

• Defensive Driving Course – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
• New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
• Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
• Lower Rates for Military – Having a deployed family member could mean lower rates.
• Accident Free – Claim-free drivers can save substantially as compared to drivers who are more careless.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

How to Compare South Charleston Car Insurance Rates

Performing a rate comparison can be challenging if you don’t understand the most efficient way. You can spend your afternoon talking to insurance companies in South Charleston, or you can utilize the web to get pricing more quickly.

Most major companies enroll in a system that enables customers to send in one quote, and each company provides a quote based on that information. This prevents consumers from doing quote requests to every company. To participate in this free quote system, click here to open in new window.

The one downside to doing it this way is you can’t choose the providers you want to price. So if you want to choose from a list of companies for rate comparison, we put together a list of the cheapest car insurance companies in West Virginia. View list of West Virginia insurance companies.

Whichever way you use, double check that you are using apples-to-apples coverage information on every quote. If you enter different deductibles then you won’t be able to determine the best price in South Charleston. Slightly different insurance coverages may result in large price differences. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding the best price.

You are unique and your car insurance should be too

When it comes to choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover if you may require specific advice.

• Do I have coverage when pulling a U-Haul trailer?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is West Virginia a no-fault state?
• If my vehicle is totaled, can I afford another vehicle?
• Are there companies who specialize in insuring high-risk drivers?
• Do I really need UM/UIM coverage?
• Am I getting all the discounts available?
• Does my car insurance cover rental cars?
• What companies insure drivers after a DUI or DWI?
• Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

The best insurance company isn’t always the cheapest

Insureds change insurance companies for many reasons like not issuing a premium refund, delays in responding to claim requests, poor customer service or even extreme rates for teen drivers. Regardless of your reason, choosing a new company can be easier than you think.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

In this article, we presented many ways to save on car insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the lowest premiums are with a small mutual company.