9 Tips to Save on Auto Insurance in Weston, WV

Finding lower rates for Weston auto insurance can be difficult for consumers new to buying insurance online. People have so many options available that it can be a real hassle to compare prices in Weston.

It’s a good habit to shop coverage around before your policy renews because insurance rates trend upward over time. Just because you had the best price on your last policy you will most likely find a better rate today. So block out anything you think you know about auto insurance because I’m going to teach you the fastest way to find better rates and still maintain coverage.

Buying car insurance in Weston is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. But West Virginia drivers benefit from understanding how big insurance companies price online insurance and apply this information to your search.

Compare Weston Auto Insurance Costs

All major auto insurance companies like State Farm and Allstate provide coverage prices online. Getting quotes is pretty painless as you just type in the coverages you want into a form. Upon sending the form, the system collects your driving record and credit report and returns pricing information based on these and other factors.

Online quotes helps simplify price comparisons, but the time it takes to visit a lot of sites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible in order to get better prices.

The quickest way to get multiple rate quotes requires only one form that obtains quotes from many companies. It saves time, requires less work, and makes comparison shopping much easier. As soon as you send your information, your coverage is rated with multiple companies and you can pick any or none of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process can be completed in less than 10 minutes and can result in significant savings.

To quickly find out how much you’re overpaying now, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you type in deductibles and limits identical to your current policy. Doing this guarantees you are getting an apples-to-apples comparison based on identical coverages.

Cut your premium with these nine discounts

Companies don’t necessarily list all available discounts in an easy-to-find place, so we break down some of the best known and also the lesser-known auto insurance savings.

• Own a Home – Simply owning a home can help you save on auto insurance because owning a home requires personal responsibility.
• Early Signing – Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
• New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
• Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
• E-sign – Some insurance companies will give a small break for buying your policy over the internet.
• Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10%.
• Military Discounts – Having a deployed family member can result in better rates.
• Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
• Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of companies with discount auto insurance rates in Weston, click here.

Tailor your coverage to you

When buying the best auto insurance coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

• Are all vehicle passengers covered by medical payments coverage?
• How much liability coverage do I need in West Virginia?
• Do I have coverage if my license is suspended?
• Do I have coverage when making deliveries for my home business?
• Am I covered if I crash into my own garage door?
• What vehicles should carry emergency assistance coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance

This provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as repair costs for stationary objects, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible. West Virginia state law requires minimum liability limits of 20,000/40,000/10,000 but it’s recommended drivers buy more liability than the minimum.

Comprehensive protection

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, fire damage, hitting a deer and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills for funeral costs, surgery and dental work. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This coverage covers damage to your vehicle caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your vehicle.

Since many West Virginia drivers only purchase the least amount of liability that is required (20/40/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

More tips and info about auto insurance is located at the West Virginia Insurance Commission website. Visitors are able to learn about insurance regulations, learn about specific coverages, file complaints about an insurance agent or broker, and view a list of available companies.