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How To Compare Low Cost Car Insurance In West Virginia
How To Compare Low Cost Car Insurance In West Virginia
Comparing car insurance in West Virginia used to be a time-consuming task that required you to contact every insurance company individually by phone or by mail and hope that they would give you the information you had requested.
Today, thanks to the internet, making price comparisons in order to find low cost car insurance in West Virginia is a relatively simple matter. But before you get online and start making random comparisons you might do well to read this article first so you can learn ways of filling out the forms on those comparison websites so you’ll save the most money possible.
For example, did you know that keeping your car in a garage at night will save you money?
Did you know that keeping a clean driving record, with no speeding tickets or other moving violations will also save you money month after month?
Did you know that using public transportation as often as possible and driving less can also save you money? If you can drive 500 miles or fewer each month you could qualify for a special Low Mileage Discount.
Did you know that buying a simple steering wheel locking device could save you money on your car insurance every month? Ask your agent which simple and inexpensive anti-theft devices will save you the most every month.
Did you know that carpooling can save you a bundle every month on your insurance? If you can cut the number of miles that you drive back and forth to work in rush hour traffic in half every month then you will save a considerable amount on your car insurance.
Did you know that if you retire or stop working for any reason you should let your agent know as that can also save you a bundle every month?
Did you know that young drivers can save a minimum of 5% every month just for staying in school and maintaining a “B” grade average?
Did you know that paying for collision or comprehensive insurance on an old clunker that has little or no Kelly Blue Book value is a waste of your money?
Did you know that if you have towing as part of AAA or through a major credit card that you don’t need to pay for towing on your car insurance?
Did you know that married couples can save money by listing the wife as the primary driver and the husband as the secondary driver?
Did you know that if you don’t make any claims against your insurance company for six months to one year that you can get a break on the cost of your insurance?
Did you know that increasing your deductible can reduce your monthly car insurance payments almost instantly? Just don’t go overboard and increase your deductible past the point which you can actually afford to pay it should you have a claim.
Did you know that you can save money buying your car insurance online? You can. However, don’t get lazy and rely on just one car insurance price comparison website for all of your answers. If you’re really serious about saving money then you’ll want to check out the prices on a minimum of 3 different price comparison sites.
Also, it is very important that you enter the exact same information onto the form on all 3 comparison sites so that you are comparing the same car insurance policy each time.
Once you are done with your comparisons and you’ve reviewed your results, all that’s left is for you to pick the best-priced policy and then sleep well each night knowing that you now know how to compare low cost car insurance in West Virginia and you are now saving money on your car insurance every month.
How To Get Cheap Car Insurance Online In West Virginia
How To Get Cheap Car Insurance Online In West Virginia
If you simply go online and find one of those price comparison websites for car insurance in West Virginia and you play around with it for a while you will probably save some money each month on your car insurance.
However, you might be able to save even more money by first learning some of the steps you can take to reduce the cost of your car insurance even before you get online.
For example, did you know that parking your car in a garage at night can save you money?
Did you know that paying your premiums automatically each month out of your checking account also saves you money?
Did you know that some insurance companies will give you a break on the cost of your insurance if you buy and use a simple steering wheel locking device?
Did you know that your car insurance agent may know of other simple and inexpensive anti-theft devices that you can install on your car that will save you money every single month?
Did you know that if you were to use public transportation as much as possible and leave your car parked at home that you might be able to save a considerable amount on your car insurance? It’s true. If you can reduce your monthly driving to below 500 miles your insurance company may give you a substantial Low Mileage Discount.
Did you know that if you join (or set up) a carpool at work that you can save money every month on your car insurance? Part of your monthly premium is based on the number of times you drive back and forth to work in rush hour traffic every month. If you can cut that number in half then you can save a nice chunk of change on your insurance every month – plus you’ll be doing something good for the environment and saving wear and tear on your car.
Did you know that paying for collision or comprehensive insurance on an older car that no longer has any Kelly Blue Book value is a total waste of your money?
Did you know that young drivers can save at least 5% a month on their car insurance simply by staying in school and maintaining at least a “B” grade average?
Did you know that you can save on car rental coverage if you have a credit card that provides automatic coverage on rental cars?
Did you know that if you have a health insurance plan you may be able to reduce or even cancel the Personal Injury Protection portion of your car insurance, saving you quite a bit of cash each year?
Did you know that if you are married you can save money each month by listing the wife as the primary driver and the husband as the secondary driver on your car insurance policy?
Did you know that if you don’t make small claims against your insurance company that you can save money on your premium every month? Most companies offer some sort of discount after six or twelve claim-free months.
Did you know that some places of work and many clubs, organizations and associations offer their members low-cost group car insurance? If you don’t belong to any group or club that offers its members group car insurance ask friends and family if any of them belong to such a group. Then join.
Did you know that increasing your deductible will drop your cost of insurance overnight? Obviously you’ll need to review your financial situation before deciding on a deductible since you don’t want to agree to pay more if you file a claim that you can actually afford.
And did you know that if you buy your car insurance online you can save over buying your car insurance from most brick and mortar locations? Don’t get lazy, however, and only check out one of the websites that permit you to compare the prices of car insurance policies from a variety of different insurance companies here in West Virginia.
If you really want to see prices from every insurance company you are going to have to spend a little extra time and do your comparisons on a minimum of 3 different comparison websites. Also – and this is important – you need to use the information you have gleaned from this article and fill out the form on all 3 websites EXACTLY the same.
This is the only way for you to compare the same policy across all three websites and it is the best way to insure that you will end up with the best possible price.
Once you have completed all of your comparisons then the rest is a snap. Just choose the lowest-priced policy – and you’re done! This is how you become an expert and make certain that you get cheap car insurance online in West Virginia and save money for years to come.
How To Compare Low Cost Health Insurance In West Virginia
How To Compare Low Cost Health Insurance In West Virginia
For more than 50% of all West Virginia households the idea of low cost health insurance is something of a misnomer, because at least half of all West Virginia households report that paying for health insurance is a severe strain on their monthly budget – and approximately 16% of all West Virginia families can’t afford any health insurance at all.
Hopefully this article will shed some light on ways that almost every family in West Virginia can compare and find low cost health insurance without breaking the family budget.
It should come as no surprise that health care costs less for healthy people. One way to save money on health care and to see the doctor less frequently is to eat right and to get plenty of sleep and exercise. Eating right means giving up fast food and fried food – except in very limited quantities. Exercise doesn’t have to mean buying the latest infomercial fad – exercise can mean walking briskly around the block or joining a walking group that walks in the mall every morning. Exercise can mean riding your bike to do errands around town and leaving your car at home.
It should also come as no surprise that smoking and using any form of tobacco is not only bad for your health but it will also cost you considerably more in health insurance costs. If you are sincere about comparing and finding truly low-cost health insurance then you can’t continue to smoke.
It also means you may have to lose weight. Your BMI (Body Mass Index) is one way health insurance companies determine your monthly insurance premium. The lower your BMI the less you are going to pay. Losing even a few pounds could – hopefully – drop you a notch on your insurance company’s BMI meter and if that happens you could save hundreds of dollars each year.
Find group health insurance. Group health insurance may be less picky about your weight and smoking habits and group health insurance is almost always cheaper than individual health insurance. If your place of employment doesn’t offer low-cost group health insurance try asking at any clubs, organizations or associations that you belong to – if that fails ask friend and family if any groups or clubs they belong to offer members group health insurance . If so – join!
Joining an HMO or a PPO can save you a considerable amount over buying health insurance as an individual, but be prepared for the possibility that you may have to give up your favorite doctor – unless your doctor happens to be a member of the HMO or PPO you want to join.
Don’t take part in extreme or dangerous sports. Also, if you drive a fast sports car, it may be time to sell it – at least it is if you are serious about finding affordable health care.
Pay your premiums automatically out of your checking account. If your insurance company doesn’t have to prepare a bill for you every month they’ll pass the savings in to you.
If you are self employed or have a home-based business ask your tax advisor if all or a portion of your health insurance premiums can be tax deductible. A tax savings could make your health insurance a whole lot more affordable.
Buy your drugs over the internet. You might be surprised at the savings you can realize on most drugs if you purchase them over the internet.
Increase your deductible. Obviously you can only do this is your budget will allow it, but increasing your deductible is probably the fastest and most sure way of lowering your cost of health insurance.
Buy your health insurance over the internet. There are literally dozens of websites that encourage you to compare prices on health insurance between different insurance companies. Just don’t make the mistake of thinking that you only have to make your comparisons on just one site.
If you’re serious then be prepared to make comparisons on at least 3 different websites and also be certain that you input the exact same answers in the forms on all three sites you’ve chosen. This way you can be sure that your “comparisons” actually have a value for you.
Once you’ve finished all of your comparisons then comes the fun part – reviewing all of your results and choosing the best price you can find. This is how anyone can become an expert and compare low cost health insurance in West Virginia and find the very best and lowest price for health insurance possible.