Costing Too Much for Car Insurance in New Martinsville, WV? Here’s How to Save!

Are you overwhelmed by the dozens of car insurance companies in New Martinsville? Many other drivers are as well. There are so many options available that it can be a real hassle to find the perfect company for you.

You should take the time to price shop coverage on a regular basis due to the fact that insurance rates tend to go up over time. Just because you had the lowest price a couple years back a different company probably has better rates today. So just forget all the misinformation about car insurance because we’re going to show you the best way to find better rates and still maintain coverage.

Don’t miss these discounts

Auto insurance companies do not advertise all their discounts very clearly, so we break down some of the best known and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Good Student – Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• College Student – Youth drivers who live away from home and don’t have a car may be able to be covered for less.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
• Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
• Service Members Pay Less – Being on active duty in the military could mean lower rates.
• Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.

Consumers should know that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurers who offer car insurance discounts in New Martinsville, click here.

Compare Quotes for New Martinsville Car Insurance

Getting better car insurance pricing can be relatively painless. The only thing you need to do is take a few minutes comparing price quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for boring form submissions to each individual car insurance company. One quote request gets rate comparisons direct from many companies. It’s the fastest way to compare.

Another way to obtain and compare quotes online is spending the time to visit the website for each individual company and fill out their own quote form. For example, let’s say you want comparison quotes from Allstate, State Farm and Travelers. To find out each rate you need to go to every website to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in New Martinsville, click here.

The most time-consuming way to compare rates is to spend time driving to insurance agents’ offices. The internet makes this process obsolete unless you have a need for the professional guidance only provided by licensed New Martinsville agents. You can, however, comparison shop online and still use a local agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverages on every quote. If you have different limits and deductibles on each one it will be very difficult to truly determine the lowest rate in New Martinsville.

In the end, you save

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.

We’ve covered some good ideas how you can get a better price on car insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest premiums are with a lesser-known regional company.

Cheap car insurance can be purchased on the web as well as from independent agents in New Martinsville, and you should be comparing both to get a complete price analysis. Some insurance providers don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.