subject: Comparing Low Cost Auto Insurance the Smart Way: West Virginia [print this page] Comparing Low Cost Auto Insurance the Smart Way: West Virginia
If you're going to drive a vehicle on any roadway in West Virginia then you'd better buy automobile insurance. The consequences of driving without automobile insurance are far too costly, both in time and money, to make the gamble worthwhile.
Rather than risk being caught driving without insurance why not explore all of the different ways of comparing low cost automobile insurance in West Virginia and getting your car insurance at a price you can actually afford to pay?
For example, if you are in the market for a car it might pay you to consult with your automobile insurance agent first. The reason is because not all cars are equal when it comes to insurance costs - some cost a lot more to insure than others. Before agreeing to purchase a car which you are not going to be able to afford to insure, why not ask your agent for a list of the least-costly cars to buy insurance for?
The way you drive your car affects how much you pay for insurance more than any other single factor. If you collect speeding tickets or any other moving violation or if you have even one conviction for DUI or DWI then you can forget about finding the lowest-priced automobile insurance for at least 3 years.
Can you park your car in a garage at night? If so let your agent know as this will save you money.
Ask your agent if your insurance company offers a discount every month if you buy and use a steering wheel locking device. Talk to your agent about other simple, low-cost anti-theft measures that you can take that will save you cash month after month on your automobile insurance.
Drive less. Many people are now using public transportation for most of their "driving" needs. If you can reduce your driving to under 500 miles per month you could qualify for a Low-Mileage Discount.
Carpooling at work can also save you money every month on your car insurance. Part of your automobile insurance premium is based on the number of miles you drive to and from work every month. If you can cut the number in half by carpooling then your agent will see to it that your insurance rates are reduced.
If you retire from work or if you stop driving back and forth in rush hour traffic for any other reason then let your agent know. Your insurance rates will drop.
Pay your premium automatically out of your checking account each month. Automatic payments save your insurance company billing costs and they pass the savings on to you.
If you have medical insurance that's separate from your automobile insurance policy ask your agent if you could save money by canceling or reducing the Personal Injury Protection portion of your policy.
Don't pay for collision or comprehensive insurance on older cars that no longer have any Kelly Blue Book value. In fact, since your vehicle loses value every year, talk to your agent about reducing the amount of your collision and comprehensive coverage every year to correspond with the dwindling value of your vehicle.
Increasing your deductible will immediately lower the cost of your automobile insurance. Of course, increasing your deductible also obligates you to pay more cash out of your own pocket or purse should you have a claim, so don't agree to pay more than you can actually afford.
Do not make a lot of small claims. The longer you can go without filing a claim the better your rates will be.
The last thing you want to do is to find 3 different websites that will let you compare low cost automobile insurance in West Virginia. Don't rely on just one of these websites, as you won't see the prices from every car insurance company operating in West Virginia.
If you're serious about saving money then take the extra time and make your comparisons on a minimum of 3 different websites. Also be certain you use the information you have learned in this article and fill out all three forms in exactly the same way. Only by filling out the forms with the exact same information each time will you be comparing the same insurance policy across all three websites and saving the most money.
Once you have made your three comparisons then all that's left is to review your results and choose the least expensive automobile insurance policy. And that's how you compare low cost automobile insurance in West Virginia and find the best policy for you at the very best price.
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