Best Way to Find Cheap Shepherdstown Auto Insurance

Are you overwhelmed by the dozens of auto insurance companies in Shepherdstown? Lot's of other consumers are too. You have so many choices that it can turn into a challenge to locate the lowest price.

It's important to take a look at other company's rates at least once a year because prices are constantly changing. Just because you found the lowest price two years ago you will most likely find a better rate today. Don't believe everything you read about auto insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

More discounts equal less premium

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Most are applied when you purchase, but a few must be specially asked for before being credited.

Save over 55 - If you qualify as a senior citizen, you may receive better auto insurance rates.
Drive Less and Save - Low mileage vehicles could be rewarded with a substantially lower rate.
Multiple Cars - Having all your vehicles on one policy may reduce the rate for each vehicle.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, some credits don't apply the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down your premiums.

Switch companies and save? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all seem to have a common claim about savings if you change to their company. How does each company make almost identical claims?

All the different companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured could possibly be over the age of 40, has no tickets, and chooses high deductibles. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Consumers who do not match these standards will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully state the savings.

Because of the profiling, you should get as many quotes as possible. It's impossible to know which auto insurance company will give you the biggest savings.

Find out more about auto insurance

Additional information is located on the West Virginia Insurance Commission website located here. West Virginia consumers can learn about insurance regulations, find disaster information, and report car insurance fraud.

Also read more on this Car Insurance FAQ and this page of insurance agents in Shepherdstown.

Affordable insurance is out there

When buying insurance coverage, make sure you don't buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.

Cheaper auto insurance can be sourced online and also from your neighborhood Shepherdstown agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Drivers leave their current company for a number of reasons such as denial of a claim, delays in responding to claim requests, lack of trust in their agent and even delays in paying claims. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.