If you are going to drive a car on any West Virginia road, you should get car insurance. The costs, both in time and money, of driving without car insurance are too high to make it worth taking a chance.
Instead of risking getting caught driving without insurance, why not look into all the different ways you can compare low cost auto insurance in West Virginia and get a price you can afford?
For instance, if you want to buy a car, you might want to talk to your car insurance agent first. When it comes to insurance costs, not all cars are the same. Some cost a lot more to insure than others. Before you agree to buy a car that you won't be able to afford to insure, ask your agent for a list of the least expensive cars to insure.
More than anything else, how you drive your car affects how much you pay for insurance. If you get tickets for speeding or other moving violations, or if you have even one DUI or DWI conviction, you can forget about getting the cheapest car insurance for at least three years.
Can you park your car overnight in a garage? If so, tell your agent so you can save money.
Ask your insurance agent if you can get a discount every month if you buy and use a steering wheel lock. Talk to your agent about other simple, low-cost steps you can take to protect your car from theft that will save you money on your car insurance every month.
Drive less. Most of the "driving" needs of many people are now met by public transportation. If you can drive less than 500 miles a month, you might be able to get a Low-Mileage Discount.
You can also save money on your car insurance every month by carpooling to work. Part of the cost of your car insurance depends on how many miles you drive to and from work each month. If you can cut the number in half by carpooling, your insurance agent will make sure that your rates go down.
Tell your agent if you quit your job or stop driving back and forth during rush hour for any other reason. The cost of your insurance will go down.
Each month, your premium will be taken out of your checking account. Your insurance company saves money on billing costs when you pay automatically, and they pass those savings on to you.
If you have separate medical insurance from your car insurance, ask your agent if you could save money by getting rid of or lowering the Personal Injury Protection part of your policy.
Don't pay for collision or full coverage insurance on an old car that has no Kelly Blue Book value anymore. In fact, since the value of your car goes down every year, you should talk to your agent about lowering your collision and comprehensive coverage every year to match the value of your car.
If you raise your deductible, your car insurance cost will go down right away. Increasing your deductible means that you will have to pay more money out of your own pocket or purse if you need to file a claim, so don't agree to pay more than you can afford.
Do not make many small promises. Your rates will go down the longer you go without making a claim.
The last thing you want to do is look for 3 different websites that let you compare low-cost car insurance in West Virginia. Don't rely on just one of these sites, because you won't be able to see prices from every West Virginia car insurance company.
If you really want to save money, you should take the extra time to compare prices on at least three different websites. Also, make sure you use what you've learned in this article to fill out all three forms the same way. You can only compare the same insurance policy on all three sites and save the most money if you fill out each form with the exact same information.
Once you've done your three comparisons, all that's left to do is look over your results and choose the car insurance policy with the lowest price. And that's how you compare low-cost car insurance in West Virginia and find the best policy for you at the best price.
