No one wants to pay a penny more for their automobile insurance than they absolutely have to – and fortunately there are several things you can do that will help drive down the cost of your automobile insurance. If even just one of the following tips and tricks applies to your situation, you could potentially save several hundreds of dollars each and every year.
Let’s start with something simple. Can you keep your car in a garage at night rather than leave it out and unprotected? If you can your insurance company will reward you with a lower monthly rate.
Some companies offer you a discount for something as simple as buying and using a steering wheel lock (club). Talk to your agent about simple anti-theft devices that can save you money month after month.
Can you purchase low-cost group auto insurance? If your place of work doesn’t offer group automobile insurance ask at any clubs, organizations or associations that you or any of your family or friends belong to. Even religious organizations are beginning to offer group automobile insurance to their members. Ask everywhere.
Can you join a carpool at work? If you can drastically cut the number of days that you drive to and from work you should see a dramatic difference in the cost of your automobile insurance. Let your agent know that you are driving less.
If you retire or quit work for any other reason, and you are no longer driving in rush hour traffic everyday your agent should be made aware of this as it should greatly reduce your insurance costs.
Can you use public transportation for many of your “driving” needs? If you can reduce the amount of your driving down to under 500 miles per month many companies will give you a substantial Low Mileage Discount.
Remember, too, that you are part of the equation. If your driving record has blemishes on it, such as speeding tickets or a DWI or a DUI then you can forget about getting the very best rates for automobile insurance.
Young drivers can earn a 5% Good Student Discount simply by remaining in school and maintaining a “B” grade average.
Don’t pay for collision or comprehensive insurance on an old vehicle that has little or no Kelly Blue Book value. Save your money.
Can you afford to increase your deductible? If so, this is a great way to reduce your monthly insurance bill – but just remember that nothing’s really free. If you have a claim you’ll need to come up with your deductible in cash, so never promise to pay more than you can afford.
The final step is getting online and finding at least 3 websites that encourage you to compare prices of automobile insurance in West Virginia. Don’t stop with just one price comparison website – fill out the form on at least 3 different sites – and be careful that you input the exact same information into the form on each site. In that way you will be comparing the same policy on all sites.
Now all that’s left is for you to review your results and grab the cheapest policy. That’s really all you need to do in order to save money and get discount automobile insurance in West Virginia.
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