9 Methods to Save on Car Insurance in Weirton West Virginia

Expensive car insurance can dwindle your personal savings and put a big crunch on your finances. Shopping your coverage around is a smart way to cut your insurance bill.

Drivers have so many to buy insurance from, and although it's a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

Take advantage of discounts

Companies don't always advertise all available discounts very clearly, so we researched some of the more common and also the lesser-known car insurance savings.

Driver Safety - Taking part in a driver safety course could cut 5% off your bill if you qualify.
Student in College - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
Claim Free - Drivers who don't have accidents pay much less when compared with drivers who are more careless.
Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
55 and Retired - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.

It's important to note that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you're out of luck.

How to know if you need help

When it comes to buying the best car insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. These are some specific questions may help you determine whether your personal situation would benefit from professional advice.

Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Weirton?
What are West Virginia no-fault laws?
Do I qualify for additional discounts?
What companies insure drivers after a DUI or DWI?
Is my cargo covered for damage or theft?
Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Are car insurance companies telling the truth?

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies say the same thing that you can save after switching your coverage to them. How does each company make the same claim? It's all in the numbers.

All the different companies have a preferred profile for the type of customer that earns them a profit. For instance, a profitable customer could be a mature driver, insures multiple vehicles, and has excellent credit. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Potential insureds who don't qualify for these standards must pay more money which usually ends up with business going elsewhere. The ads state "customers who switch" not "people who quote" save that much money. This is how insurance companies can make those claims. This illustrates why drivers should get a wide range of price quotes. It's just too difficult to predict which insurance companies will have the lowest rates.

More sites with car insurance information

Additional detailed information is located at the West Virginia Insurance Commission website. Consumers can discover disciplinary actions, read enforcement actions against agents and companies, read consumer alerts, and read industry bulletins.

Shop smart and save

Lower-priced car insurance can be bought from both online companies as well as from independent agents in Weirton, and you need to price shop both to have the best chance of lowering rates. Some companies don't offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.