Like most states in the U.S., West Virginia requires all its drivers to have car insurance. The cost of car insurance can often be prohibitive for many families. However, there are steps almost all drivers can take to lower their monthly car insurance costs.
You can also save money by keeping your car in a garage during the night.
Many companies will grant you a break if your purchase (and continue to use) a steering lock for your car, or if your simply install a device that disables your fuel pump unless your car is started by pressing a hidden button. Talk to your agent. You may find small, inexpensive ways to reduce the likelihood of theft in your vehicle. This will help you save money each month.
You can consolidate multiple insurance policies, such as homeowner’s insurance, life insurance, or health insurance, with one insurance company to get a Multi-Policy discount.
Do not make small claims. You may be eligible for a Good Driver Discount if you have not had a claim for six months or more (depending on your insurance company).
Your driving record is the most important factor in determining whether you are eligible for the best car insurance rates in West Virginia. You can’t get the best rates for many years if your driving record includes speeding tickets and other moving violations. Always drive safely and legally.
You may be able reduce the cost of your car insurance if you use public transport for most of your driving needs. Most companies will offer a low mileage discount if you drive less than 500 miles per month.
Similar to the previous point, carpooling can help you save money on your insurance. Your monthly premium is calculated based on how many miles you drive each day to work in rush hour traffic. If you can reduce those miles by half, you’ll save a lot.
Let your agent know if you are retiring or if you have stopped driving to and from work every day for any other reason. You will save more money if you drive less in rush hour traffic each month.
Talk to your agent if you’re thinking about buying a car. They will give you a list of cars that are the most affordable to insure. It is easy to be smitten by a car you can’t afford.
Older cars, especially those with low or no Kelly Blue Book Value, should not be covered for collision or comprehensive insurance. Your insurance company won’t pay for them even if they continue to pay for your insurance.
The amount you pay for car insurance can be affected by your deductible. Your monthly insurance costs will be lower if you have a higher deductible. However, don’t promise to pay more than your budget can afford.
Online purchasing your car insurance will save you money every month. However, don’t just rely on one website to find car insurance quotes. You will need to compare prices at least three times before you decide to save money.
To ensure that you compare the exact same insurance policy across all three websites, you will need to fill in the exact same information. Once you have done this, your job is done.
Simply review the prices and then choose the best car insurance. Now you are an expert in West Virginia car insurance.
