Automobile insurance is an unavoidable expense that faces every West Virginia driver. And virtually every driver is looking for ways to get affordable automobile insurance in West Virginia.
The good news is that there are literally dozens of ways for the average driver to reduce how much they are paying for their automobile insurance, and if even just one of these ideas applies to your situation you could conceivably save hundreds of dollars each and every year.
For example, if you are thinking of buying a new car you need to be aware that some new cars cost a lot more to insure than others. Before you get your heart set on an automobile that you can’t afford to insure, talk to your agent and get a list of vehicles that cost the least to insure.
Keep your car in a garage at night. Garaging your car at night will save you money.
Some companies offer a discount if you buy and use a steering wheel lock or some other simple and inexpensive anti-theft device. Talk to your agent about such savings.
Carpool to work. If there isn’t already a carpool that you can join, start one. If you can cut in half the number of rush-hour miles that you drive each month you should see a reduction in your automobile insurance. Let your agent know if you start carpooling.
If you should retire or stop working for any other reason let your agent know because you should be entitled to a nice reduction in your rates.
Can you find group car insurance? If your place of employment doesn’t offer group automobile insurance ask around at any clubs or organizations or groups that you or any friend or relatives belong to. You’d be surprised at the number of groups that are now offering their members low-cost group automobile insurance. Even many religious organizations are now offering their congregations low-cost car insurance. Ask around.
Many people have started using public transportation rather than driving their own car everywhere. If you can reduce your driving to 500 miles or less each month you can save a great deal at many insurance companies through a Low Mileage Discount.
Don’t insure old junkers for collision or comprehensive. If your vehicle has very little Kelly Blue Book value then you are wasting your money on collision or comprehensive insurance.
Pay your premium automatically each month from your checking account.
Can you afford to increase your deductible? If so you will save money on your automobile insurance instantly. Be careful, however, that you don’t agree to pay a larger deductible each year than you can afford to pay.
Young drivers can save by staying in school and getting at least a “B” grade average.
Some older drivers can save about 10% a month if they take a driver’s refresher course. Not all insurance companies offer this discount, so you’ll need to ask your agent first.
The last tip is to buy your automobile insurance online. If you are really serious about finding affordable automobile insurance in West Virginia then you can’t rely on just 1 insurance price comparison website – you’ll need to fill out the form on at least 3 different websites.
And be certain that you put the exact same information into all 3 forms or you won’t be comparing the same policy.
Once your comparisons are done then so is your job! Just choose the lowest-priced policy and you can feel confident that you now know how to get affordable automobile insurance in West Virginia and that you are saving money month after month, year after year.