In West Virginia, auto insurance is a concern for all drivers. Though many Mountain State drivers are paying more than they have to for their current coverage, the good news is that lower rates are out there, if you know how to look for them. There are many factors that influence your rates and several things you can do to lower the cost of your policy; even if you've had the same policy for years, it's a good idea to periodically check out the competition and weigh your options. This is why for drivers in West Virginia, auto insurance quotes are extremely valuable.
The Average Cost of West Virginia Auto Insurance
When compared to averages nationwide, West Virginia auto insurance is a little pricey. According to the National Association of Insurance Commissioners, folks in West Virginia pay an average of $819 a year for auto insurance. This is slightly higher than the national average of $795, but significantly higher than neighboring Virginia's $661 or Ohio's $628 (of course, when put against Maryland's $922, West Virginia auto insurance is rather reasonable). Obviously, auto insurance rates are affected by many factors and the statewide average may be much less (or much more) than your particular policy. No matter how your individual rate compares to the averages, however, there are a few things you can do to lower the yearly cost of your policy.
Lowering West Virginia Auto Insurance Premiums
Discounts and policy changes can have a huge impact on how much you pay each year for your auto insurance. West Virginia drivers looking to lower their rates should first talk to their providers about available discounts. Taking a defensive driving course, installing an anti-theft device, raising your credit score, remaining accident and claim-free for a number of years, and even getting older can each qualify you for discounts on your premiums, and if you aren't taking full advantage of these discounts, you are paying too much for your policy.
Changes to the type of coverage you have, the limits on that coverage, or to the deductible associated with your policy can also lower your rates. It should be noted, however, that altering your policy to lower your yearly insurance rates could end up costing you more out-of-pocket if an accident occurs.
Utilizing West Virginia Auto Insurance Quotes
Want to save money on your policy but don't want to sacrifice coverage or raise your deductible in West Virginia? Multiple auto insurance quotes is the answer. Many insurance providers charge very different rates for the same amount of coverage; sometimes these rates are more than your current ones, but in other cases, they may be significantly lower. The only way to know if your current policy is costing you more than you could be paying with a different provider is to get estimates or quotes from competing insurance companies. The more quotes you get, the more likely you are to find a provider with lower rates.
Find West Virginia Auto Insurance Quotes with NetQuote
Finding West Virginia auto insurance quotes is easier than ever with NetQuote on your side. Instead of going through the phone book and cold-calling local insurance providers, drivers from Huntington to Martinsburg and all points in between who use NetQuote can get auto insurance quotes from multiple local insurance providers by filling out a single, brief form online. Once you're got your quotes in hand, it's easy to see which (if any) competing insurance companies are offering better rates than your current provider. Though some West Virginia drivers will find that their current rates are the best deal around, others may find that switching providers can save them hundreds a year, even if they keep the exact same coverage.