People new to price shopping insurance online may find finding cut-rate Bluefield car insurance is more work than they anticipated.
If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. This information will instruct you on how to get online quotes and some tricks to saving. But West Virginia car owners benefit from understanding how insurance companies market insurance on the web and use this information to your advantage.
Low Cost Bluefield Car Insurance
There are a lot of ways you can shop for car insurance and some are less time-consuming than others. You can spend countless hours driving to local insurance agents in Bluefield, or you can utilize the web to accomplish the same thing much quicker.
Most of the best insurance companies participate in an industry program where insurance shoppers enter their policy data once, and at least one company can provide price quotes determined by their information. This saves time by eliminating quotation requests for every car insurance company.
To compare rates using this form now click here to start a free quote.
The only drawback to using this type of form is that consumers can’t choose the companies to receive prices from. So if you prefer to pick individual companies to compare, we have assembled a list of the cheapest car insurance companies in West Virginia. Click here for list of insurance companies in West Virginia.
It’s your choice how you get your quotes, but make sure you use the exact same coverage limits and deductibles on every quote. If you have different values for each quote it will be next to impossible to make an equal comparison in Bluefield. Slightly different limits may result in a large different in cost. And when quoting car insurance, remember that having more price comparisons will increase your chances of finding better pricing.
Don’t miss out on these money-saving discounts
Car insurance can cost a lot, but there are discounts available to help offset the cost. Some discounts apply automatically when you quote, but a few need to be requested specifically before you get the savings.
- Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
- Driver Safety – Completing a course in driver safety could cut 5% off your bill if you qualify.
- Multi-policy Discount – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.
- Paperless Signup – A handful of insurance companies will give a small break simply for signing digitally online.
- New Car Discount – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
It’s important to understand that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.
To choose insurers with discount car insurance rates in West Virginia, follow this link.
Quote online but still have a local agent
Some people would prefer to buy from a licensed agent and that is OK! The best thing about price shopping on the web is the fact that you can find lower rates but also keep your business local. And providing support for local insurance agencies is important particularly in Bluefield.
After filling out this quick form, your insurance coverage information gets sent to insurance agents in Bluefield who will compete for your insurance coverage. You never need to drive around due to the fact that quote results will go straight to your inbox. How cool is that?! You’ll get the best rates and a licensed agent to work with.
The different types of insurance agents
When searching for local Bluefield agents, there are a couple of types of agencies that differ in how they can insure your vehicles. Agents can either be captive or independent (non-captive).
Independent Insurance Agents
These agents are not required to write business for one company but instead can place your coverage with many different companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.
When searching for an agent, it’s a good idea to include at least one independent agent to get the best comparison. They also have the ability to place coverage with smaller companies which can save you money.
Listed below are Bluefield independent insurance agencies willing to provide price quote information.
- Guardian Insurance – 210 North St – Bluefield, WV 24701 – (304) 325-2160
- Agency Insurance Marketing – Airport Rd – Bluefield, WV 24701 – (304) 327-0077
- Sam Baker Agency – 2001 Stadium Dr – Bluefield, WV 24701 – (304) 325-7283
- Romeo Insurance – 3144 E Cumberland Rd – Bluefield, WV 24701 – (304) 325-9357
Captive Agents
Captive insurance agents work for only one company like Liberty Mutual, State Farm, Allstate and AAA. They generally cannot shop your coverage around so it’s a take it or leave it situation. Captives receive extensive training in insurance sales which can be an advantage. Consumers sometimes purchase coverage from captives mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Below is a list of captive insurance agencies in Bluefield willing to provide price quotes.
- State Farm Insurance – 308 North St – Bluefield, WV 24701 – (304) 325-8659
- Allstate Insurance – 3213 E Cumberland Rd – Bluefield, WV 24701 – (304) 325-5811
For a full directory of captive agents in Bluefield, simply jump to this page.
Selecting a car insurance agent should depend on more than just a cheap price. These are valid questions to ask:
- Does the company allow you to choose your own collision repair facility?
- What are the financial ratings for the companies they represent?
- What insurance company do they write the most business with?
- Do they specialize in personal lines coverage?
- Are claims handled at the agent’s location?
Upon receiving positive responses to your questions and locked in a price quote, you have narrowed it down to an insurance agency that is a good match to provide car insurance coverage.
Much more information about car insurance in West Virginia is available on the West Virginia Insurance Commission website located here. West Virginia consumers can file complaints about an insurance agent or broker, file complaints about a company, and read consumer alerts.
Additional helpful sites include Wikipedia and this page on QuoteClickInsure.com.
And the best car insurance company is…
In this article, we presented some good ideas how to shop for car insurance online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from some of the lesser-known companies.
Consumers switch companies for a variety of reasons including high prices, an unsatisfactory settlement offer, delays in responding to claim requests and being labeled a high risk driver. No matter why you want to switch, choosing a new company is less work than it seems.
When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice physical damage coverage and found out when filing a claim that they should have had better coverage. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.