Every driver in West Virginia is required by law to purchase car insurance. Still, there is nothing saying that you can not get cheap car insurance online in West Virginia and save money every month.
There is no trick to find websites that allow you to compare car insurance rates among several insurance companies in West Virginia. The real trick is to know how to fill out the form on each site so that you will increase your odds to find the lowest possible car insurance price you need.
The good news is that there are several different things you can do that save money on your car insurance every month even before you look online to find the best deal possible.
Lets start with something quite simple. If you can park your car in a garage at night, you save money on your insurance every month.
If you automatically pay your premium from your checking account, you also save money month after month.
If you keep your driving station clean - it does not mean any speed cards, no moving violations of any kind, and definitely no DUI or DWI judgments - so you will also save a lot on your car insurance every month.
If you can drive less you will save money. Many people view public transport too much of their driving needs, so they can leave their car parked mostly. If you can reduce your driving distance to less than 500 miles a month, you can only qualify for a low-wage salary that can save you a lot.
Similarly, if you can carpool to work, you can reduce your insurance costs. Part of your premium is based on how many times you drive back and forth to work each month. If you can reduce the number of times you make it commute then your car insurance expense will fall.
If you retire or if you stop doing your daily commute for any other reason, let your agent know. Not driving in rush hour every day will save you a lot on your insurance.
See if you can find group car insurance. Sometimes group car insurance is offered through your place of employment, but you can also find cheap car insurance for cars through clubs or organizations or associations to which you belong. If family or friends belong to any group or club that offers their members group insurance, ask if you can join.
Do not make sure that older vehicles with a little or no Kelly Blue book value are too large or collision. Doing so is waste of your money. You would rather cancel your extensive and collision and put the savings on a new car.
If you have a health insurance that is separate from your autopolis, you may be able to save money by not buying injuries or making sure that you have reduced the number of insurance. Talk to your agent about how it works.
Do not make small demands. If you are responsible for at least six months, ask if you qualify for a good driver discount.
Increase your deductible. Of course, you must carefully weigh this option because you will have to pay your deductible separately from your own purse or pocket every time you make a claim. Do not agree to pay more than you think you can actually afford.
Buy your car insurance online. You can save money almost every time by purchasing your car insurance online. But do not fall into the trap of relying on price comparisons on just 1 website. If you are serious about getting the cheapest car insurance possible, use the information you have retrieved from this article and fill in 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 in all 3 forms with exactly the same information, you guarantee that you compare the same car policy across all three websites and this will ensure you get the best possible view.