Are you sick and tired of not being able to afford to insure your vehicles every month? You are no different than millions of other consumers.
Because you have many choices of insurance companies, it can be hard to pick the most cost effective car insurance company.
Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so here is a list some of the best known and the more hidden savings tricks you should be using.
Drivers should understand that most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous.
Some people would prefer to visit with an insurance agent. The biggest benefit of comparing rates online is you may find lower rates and still choose a local agent.
After completing this short form, your coverage information is transmitted to insurance agents in Grafton who will compete for your coverage. There is no reason to visit any agencies since price quotes are sent to your email. How cool is that?! You can find better rates without the usual hassles of price shopping.
Picking an insurance company should depend on more than just a low price. These are valid questions to ask:
When looking for a reliable agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agents are either captive or independent (non-captive).
Captive insurance agents can only place business with one company and some examples include American Family, Liberty Mutual and AAA. They usually cannot compare other company’s rates so it’s a take it or leave it situation. They are usually quite knowledgeable in insurance sales which helps them compete with independent agents.
Shown below are Grafton captive insurance agencies that are able to give comparison quotes.
State Farm Insurance – Route 50 W – Grafton, WV 26354 – (304) 265-1937
Independent agents are not locked into one company but instead can place your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, you should always get quotes from several independent insurance agents to get the best comparison.
The following are Grafton independent agents that are able to give rate quotes.
Insurance Designs – Us Route 50 E – Grafton, WV 26354 – (304) 265-0598
For a full directory of Grafton insurance agents, click here to link.
After getting positive feedback for all questions you ask in addition to an acceptable price estimate, you’ve probably found an insurance agency that can adequately provide car insurance.
Car insurance companies such as Allstate and Progressive constantly bombard you with television and radio advertisements. They all seem to say the same thing of big savings if you switch to them. How do they all claim to save you money? This is how they do it.
Different companies have a preferred profile for the right customer that makes them money. An example of a profitable customer might be profiled as between 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.
Potential insureds who don’t meet this ideal profile will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save that much money. That’s why companies can truthfully claim big savings. This emphasizes why it’s extremely important to get as many comparisons as possible. It’s impossible to know which car insurance company will fit your personal profile best.
When buying the best car insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out if your situation may require specific advice.
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.
More tips and info about car insurance can be found at the West Virginia Insurance Commission website. West Virginia drivers can find out which companies have the most complaints, find disaster information, find out industry alerts, and report car insurance fraud.
The following information may also be useful.
We just covered a lot of techniques to compare car insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with the smaller companies. Some small companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.
While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are too many instances where someone dropped comprehensive coverage or liability limits only to find out that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at an affordable rate.
The cheapest car insurance is available on the web and also from your neighborhood Grafton agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.