Compare Fairmont Auto Insurance Prices With These Tips

Are you intimidated by the dozens of auto insurance options in Fairmont? You have a lot of company. Drivers have so many companies to choose from that it can turn into more work than you anticipated to find better rates.

It's important to shop coverage around every six months since insurance rates are constantly changing. Despite the fact that you may have had the lowest price a few years ago you may be paying too much now. You'll find quite a bit of inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to slash your auto insurance rates.

Compare Quotes for Fairmont Auto Insurance

There are several ways to compare auto insurance prices and some are less time-consuming than others. You could spend your day discussing policy coverages with agents in Fairmont, or you could save time and use online quoting to get rate comparisons in just a few minutes.

All the larger companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company then returns a price quote determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The single downside to using this type of form is you can't choose which companies you want to price. If you prefer to choose specific providers for rate comparison, we have assembled a list of auto insurance companies in West Virginia. Click to view list.

Whichever method you choose, ensure you are comparing exactly the same coverage information with each company. If your comparisons have unequal deductibles or liability limits it will be impossible to make an equal comparison in Fairmont. Slightly different limits may result in large price differences. Just remember that comparing more company's prices will improve the odds of getting the best offered rates.

Tips to Get Lower Fairmont Rates

It's important that you understand the factors that help determine auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The following are a partial list of the pieces used by your company to calculate rates.

Pleasure use saves money - Driving more miles in a year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage based on their usage. Cars left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are a windshield shattered by a rock, damage caused by hail, or theft. The deductibles are how much you are required to spend before your auto insurance pays a claim. The more you have to pay, the less your auto insurance will be.
Men pay higher rates - Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men have accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Young males are most likely to cause an accident and thus pay the highest rates.
Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Jobs such as judges, social workers and dentists have the highest average rates because of high stress and lengthy work days. Other occupations like actors, historians and performers get better rates.
Save money with special equipment - Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.
Safer occupants lowers premiums - Cars with high safety ratings get lower rates. These vehicles protect occupants better and better occupant protection means lower claim amounts and more competitive rates for policyholders.

How much can you save with discounts?

Companies that sell car insurance don't list all their discounts in a way that's easy to find, so we researched some of the best known as well as the least known discounts you could be receiving.

Life Insurance Discount - Some companies give better rates if you take out a life insurance policy as well.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
Senior Discount - Older drivers may be able to get a small decrease in premiums.
Claim Free - Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
Drivers Ed for Students - Require your teen driver to complete a driver education course if it's offered in school.

It's important to note that some credits don't apply to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you're out of luck.

For a list of companies who offer auto insurance discounts in Fairmont, click here.

Additional detailed information is located at the West Virginia Insurance Commission website. West Virginia drivers can file complaints about an insurance agent or broker, report car insurance fraud, and learn about insurance regulations.

Affordable insurance is out there

As you shop your coverage around, it's a bad idea to reduce needed coverages to save money. In many instances, someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at a price you can afford.

Lower-priced auto insurance can be bought on the web as well as from independent agents in Fairmont, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don't offer online quoting and most of the time these small, regional companies sell through independent agents.

Drivers change insurance companies for a number of reasons such as delays in paying claims, lack of trust in their agent, denial of a claim and high rates after DUI convictions. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.