Cheaper Wheeling Auto Insurance Rates in Five Minutes

Using the web to shop for Wheeling auto insurance can seem complicated if you are a beginner to online price comparisons. Don’t let that stop you because online price shopping is actually quite simple.

Take discounts and save

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Most are applied when you quote, but a few must be requested specifically prior to receiving the credit.

• Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
• Drivers Education – Have your child complete a driver education course in school.
• Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
• Driver Safety – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
• Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will help reduce your premiums.

For a list of insurance companies with the best auto insurance discounts in West Virginia, click this link.

Ads can be misleading

Auto insurance providers like Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all make the same claim about savings if you move your policy. How do they all claim to save you money?

All the different companies have a certain “appetite” for the right customer that makes them money. For example, a profitable customer might be profiled as over the age of 50, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who fits that profile will get very good rates and as a result will probably save when they switch companies.

Potential customers who don’t qualify for these standards will be quoted higher prices which usually ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that much. This is how companies can advertise the way they do.

This emphasizes why you need to compare as many rates as you can. You cannot predict which insurance companies will give you the biggest savings.

Additional auto insurance information can be read on the West Virginia Insurance Commission website located here. West Virginia drivers can download brochures, read state legal mandates and laws, learn about specific coverages, and file complaints about a company.

Other useful links include NAIC.org’s Understanding your Policy and see this list of insurance agents in Wheeling.

Compare but don’t skimp

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. There are many occasions where consumers will sacrifice collision coverage only to discover later that they should have had better coverage. Your aim should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Drivers who switch companies do it for many reasons like delays in responding to claim requests, questionable increases in premium, being labeled a high risk driver or lack of trust in their agent. Regardless of your reason, finding the right auto insurance provider can be easy and end up saving you some money.

We’ve covered many ways to lower your auto insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the best price on auto insurance is with a small mutual company.