Easy Methods to Pay Less on Elkins Car Insurance

No one looks forward to paying for car insurance, particularly when they are paying too much. Many insurance companies vie for your business, so it can be very hard to choose a insurance company and uncover the absolute lowest rate possible.

Finding Car Insurance Deals in Elkins, WV

There are several ways you can shop for car insurance but one way is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with local insurance agents in Elkins, or you could use online quoting to get prices fast.

All the larger companies participate in an industry program where prospective buyers only type in their quote data once, and every company returns a rated price based on the submitted data. This saves time by eliminating repetitive form submissions for every car insurance company. To participate in this free quote system, click here (opens in new window).

The only downside to using this type of system is you cannot specify which carriers to receive prices from. So if you want to choose specific insurance companies for rate comparison, we put together a list of the cheapest car insurance companies in West Virginia. Click here for list of insurance companies in West Virginia.

It’s up to you which method you use, but make sure you use the exact same coverage limits for each price quote. If your comparisons have mixed coverages it will be next to impossible to decipher which rate is best in Elkins.

Companies offer discounts so take them!

Companies that sell car insurance don’t list every available discount in an easy-to-find place, so the following is a list of both well-publicized as well as the least known ways to save on car insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums.
• No Accidents – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
• Homeowners Savings – Owning a home in Elkins may earn you a small savings because of the fact that having a home is proof that your finances are in order.
• Multi-car Discount – Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.
• Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
• Payment Method – If you pay your bill all at once rather than paying monthly you could save up to 5%.
• Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
• Sign Early and Save – A few companies offer discounts for switching policies before your current policy expires. It can save you around 10%.

A little note about advertised discounts, many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

Additional detailed information can be found at the West Virginia Insurance Commission website. Consumers can discover disciplinary actions, find disaster information, and find a variety of consumer forms.