Every driver in West Virginia is required by law to buy automobile insurance. Still, there’s nothing that says you can’t get cheap automobile insurance online in West Virginia and save money every month.
There’s no trick to finding websites that allow you to compare the prices of automobile insurance among several different insurance companies in West Virginia. The real trick is in knowing how to fill out the form on each site so that you will increase your odds of finding the very lowest price possible for the automobile insurance you need.
The good news is that there are several different things you can do that will save you money on your auto insurance every month even before you look online to find the very best deal possible.
Let’s start with something fairly simple. If you can park your car in a garage at night you’ll save money on your insurance every month.
If you pay your premium automatically out of your checking account you’ll also save money month after month.
If you keep your driving record clean – that means no speeding tickets, no moving violations of any kind, and definitely no convictions for DUI or DWI – then you will also save a great deal on your automobile insurance every month.
If you can drive less you’ll save money. Many people are looking to public transportation for a lot of their “driving” needs, allowing them to leave their car parked most of the time. If you can reduce your driving to fewer than 500 miles per month you just may qualify for a Low Mileage Discount that could save you plenty.
Similarly, if you can carpool to work you can reduce your insurance costs. A portion of your premium is based on the number of times that you drive back and forth to work every month. If you can reduce the number of times you make that commute then your cost for automobile insurance will drop.
If you retire or if you stop making your daily commute for any other reason let your agent know. Not driving in rush hour traffic every day will save you quite a bit on your insurance.
See if you can find group automobile insurance. Sometimes group auto insurance is offered through your place of employment, but you can also find low-cost group auto insurance through clubs or organizations or associations that you belong to. If family or friends belong to any group or club that offers its members group auto insurance ask if you can join.
Don’t insure older vehicles with little or no Kelly Blue Book value for comprehensive or collision. Doing so is a waste of your money. You would be better off canceling your comprehensive and collision and putting the savings toward a new car.
If you have health insurance that is separate from your auto policy you may be able to save money by not purchasing Personal Injury Protection insurance or by reducing the amount of your coverage. Talk to your agent about how this works.
Don’t make small claims. If you are claim-free for at least six months ask if you qualify for a Good Driver Discount.
Increase your deductible. Obviously you must weigh this option carefully since you will be required to pay your deductible out of your own purse or pocket any time you file a claim. Don’t agree to pay more than you think you can actually afford.
Buy your automobile insurance online. You can save money virtually every time by buying your auto insurance online. However, do not fall into the trap of relying on the price comparisons of just 1 website. If you’re serious about getting the cheapest automobile insurance possible, use the information you have picked up from this article and fill out the form on at least 3 different websites.
Also – and this very important – fill out the form on all 3 websites exactly the same way. By filling out all 3 forms with the exact same information you guarantee that you are comparing the same automobile policy across all three websites and this will insure that you get the very best deal possible.
Now simply choose the lowest price you find from all 3 sites and you’re done! You now know everything you need to know about how to get cheap automobile insurance online in West Virginia.