How to Know You're Wasting Money for Auto Insurance in Winfield

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, many Winfield consumers feel financially strained by their auto insurance policy. With consumers having so many companies and agents to choose from, it's difficult to find the most cost effective insurance company.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in big savings.

High crash test scores lower rates - Vehicles with good safety scores get lower rates. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
Adjust deductibles and save - The deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims would be colliding with a building, damage from fire, or theft. The higher the amount you have to pay, the less your auto insurance will be.
Being married is a good thing - Having a spouse helps lower the price on auto insurance. Having a spouse translates into being more mature it has been statistically shown that being married results in fewer claims.
Do you know you're credit rating? - A driver's credit score is a huge factor in calculating your auto insurance rates. People with good credit tend to be more responsible as compared to drivers with lower credit scores. Therefore, if your credit score is low, you could save money insuring your by improving your rating.
Liability insurance protects assets - Your policy's liability coverage provides coverage if you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Optional equipment can affect rates - Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.
Multiple policies with one company can save - Some insurance companies will award you with lower prices to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to comparison shop to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.

Quick Winfield Auto Insurance Quotes

All major auto insurance companies allow you to get price estimates on the web. This process is quite simple as you just enter the coverage amounts you desire into the quote form. After the form is submitted, the system will obtain your credit score and driving record and quotes a price. This streamlines rate comparisons, but having to visit several different sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to perform this step in order to find a lower rate.

There is a better way!

The preferred way to find better auto insurance pricing uses one form that gets prices from more than one company. It's a real time-saver, reduces the work, and makes price shopping online a lot less work. Immediately after submitting the form, it is rated with multiple companies and you can pick any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the new coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

To find out how much you're overpaying now, click here and enter your information. If you currently have coverage, we recommend you copy your coverages exactly as shown on your declarations page. This makes sure you will get comparison quotes for the exact same coverage.

More discounts equal less premium

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you purchase, but a few need to be asked for before being credited. If you don't get every credit possible, you are paying more than you should be.

Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
Homeowners Discount - Owning a home in Winfield can save you money because maintaining a house is proof that your finances are in order.
Paperless Signup - A handful of insurance companies may give you up to $50 just for signing your application online.
Passive Restraints and Air Bags - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
Organization Discounts - Being a member of a professional or civic organization may earn a discount when buying auto insurance.

It's important to note that some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you're out of luck. But any discount will help reduce your premiums.

To choose insurers with discount auto insurance rates in West Virginia, click here.

Switch companies and save? Really?

Consumers in West Virginia can't ignore all the ads that promise big savings from the likes of 21st Century, Allstate and State Farm. All the companies have a common claim that you can save if you change your coverage to them.

But how can every company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of customer that makes them money. For example, a profitable customer might be between the ages of 40 and 55, has no tickets, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and therefore will save a lot of money.

Consumers who do not match this ideal profile must pay higher prices and this can result in the customer not buying. The ads say "drivers who switch" not "everyone that quotes" save that much money. That's the way insurance companies can claim big savings.

This illustrates why you need to get as many quotes as possible. It's impossible to know which auto insurance company will give you the biggest savings.

More information can be found on the website for the West Virginia Insurance Commission. Click here for link. Visitors are able to find disaster information, report car insurance fraud, get help finding coverage, and find out industry alerts.

Other informative sites include this resource for West Virginia auto insurance prices and this page of Winfield insurance agents.

In the end, you save

Lower-priced auto insurance can be sourced both online as well as from independent agents in Winfield, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We covered a lot of techniques to compare auto insurance prices online. It's most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as .