Top 10 Ways to Get Lower Rates on Car Insurance in Green Valley, WV

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are many Green Valley consumers feeling the pinch from expensive car insurance.

Because there are so many choices of insurance companies, it's nearly impossible to locate the lowest price company.

These ten discounts can lower your rates

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Certain discounts will be applied when you quote, but lesser-known reductions have to be manually applied before you get the savings.

Clubs and Organizations - Belonging to a professional or civic organization is a good way to get lower rates when buying car insurance.
Fewer Miles Equal More Savings - Low mileage vehicles can earn discounted rates on garaged vehicles.
Safety Course Discount - Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
Discount for Swiching Early - A few companies offer discounts for switching to them prior to your current policy expiring. The savings is around 10%.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
Air Bag Discount - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
Accident Free - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Multiple Cars - Buying coverage for all your vehicles on one policy could earn a price break for each car.

A little note about advertised discounts, most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

Are you falling for claims of savings?

Allstate, GEICO and Progressive consistently run ads on television and other media. All the companies make an identical promise about savings if you change to them. But how can every company make the same claim?

Insurance companies are able to cherry pick for the type of driver that earns them a profit. For example, a profitable customer could be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile must pay a higher premium and ends up with business going elsewhere. The ad wording is "people who switch" not "everybody who quotes" save money. That's the way companies can truthfully advertise the way they do.

This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

Additional information can be found on the website for the West Virginia Insurance Commission through this link. Consumers can find out which companies have the most complaints, find disaster information, discover disciplinary actions, and file complaints about a company.

Also read more on this link for West Virginia car insurance quotes and this link which helps you find a Green Valley agent.

Affordable insurance is out there

Cheaper car insurance is attainable from both online companies and with local Green Valley insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

You just learned some good ideas how you can reduce car insurance prices online. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest rates come from an unexpected company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as .