Tightwads Guide for Saving on Benwood Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are many Benwood consumers feeling the pinch from expensive auto insurance. Popular companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have insurance now or need new coverage, you can learn to get lower rates while maintaining coverages. Finding the best rates in Benwood is quite easy. West Virginia drivers only need an understanding of the most efficient way to shop for auto insurance online.

These discounts can lower your rates

Insurance can be prohibitively expensive, but you may find discounts that you may not even be aware of. Certain discounts will be applied when you quote, but lesser-known reductions have to be asked about before you get the savings. If you aren't receiving every discount possible, you are throwing money away.

  • Fewer Miles Equal More Savings - Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Homeowners Discount - Owning a home in Benwood can help you save on auto insurance because owning a home requires personal responsibility.
  • Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • No Charge for an Accident - A handful of insurance companies permit an accident before your rates go up so long as you haven't had any claims prior to the accident.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Senior Citizens - If you qualify as a senior citizen, you may qualify for reduced rates.
  • Clubs and Organizations - Being a member of a civic or occupational organization is a good way to get lower rates when buying auto insurance.

Consumers should know that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you can get free auto insurance, companies don't profit that way. Any qualifying discounts will reduce the cost of coverage.

auto insurance in Benwood

Are you falling for claims of savings?

Consumers in West Virginia get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies make an identical promise of big savings if you switch to them.

How can each company claim to save you money?

All companies are able to cherry pick for the type of driver that earns them a profit. An example of a profitable customer might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements must pay a higher premium and ends up with the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save money. That's the way insurance companies can confidently advertise the way they do.

This illustrates why you should get quotes from several different companies. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Additional auto insurance information is available on the website for the West Virginia Insurance Commission through this link. Visitors are able to find disaster information, report car insurance fraud, find out industry alerts, and view a list of available companies.

A tidy conclusion

Cost effective auto insurance is available both online and with local Benwood insurance agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

We covered many tips how you can reduce auto insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from an unexpected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as .

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.