If you drive a vehicle in West Virginia you must buy automobile
insurance. Period.

For many people the cost of automobile insurance puts a severe
strain on their monthly budget - and no one wants to pay more
for automobile insurance than they have to. Hopefully this
article will give you at least one (and possibly more than one)
idea for ways that you can get the best rates on automobile
insurance in West Virginia and save money each and every month.

Saving money on your automobile insurance can start with
something as simple as finding a garage in which to keep your
car at night. Garaging your car will save you money on your
automobile insurance.

So will setting up automatic monthly payments of your auto
insurance from your checking account.

Buying and using something as simple as a steering wheel
locking device or installing a simple device for incapacitating
your fuel pump until you press a hidden button every time you
start your car can save you money month after month. Ask your
agent which simple anti-theft devices qualify with your
insurance company.

Keep your driving record spotless. The fewer traffic tickets or
other moving violations your driving record has on it the less
you are going to pay for your automobile insurance.

The better your credit history the lower your monthly car
insurance payment. Many people are not aware that their credit
rating affects their automobile insurance rate, but it does.

Buy group automobile insurance. If your place of employment
offers low-cost group automobile insurance you can almost always
save a considerable amount if you take advantage of it. If your
work doesn't offer group auto insurance check with any club,
organization or association you belong to and see if any of them
offer group auto insurance.

Every year your vehicle loses value, so every year you should
reduce the amount of collision and comprehensive insurance you
have on your vehicle to match the decline in value of your
vehicle.

Old vehicles - those whose Kelly Blue Book value is gone -
should not be insured at all for collision or comprehensive.
Save your money instead for a newer car.

Can you drive less? Many people are now relying on public
transportation for as many of their driving needs as possible.
If you can lower your driving to 500 miles or less per month you
may qualify for a special Low Mileage Discount that can save you
a lot of money every month.

Carpooling at work can also save you a ton of money on your
automobile insurance. A portion of your monthly premium is based
on the number of miles you drive back and forth to work every
month. Carpooling can cut that number in half and reduce your
insurance premium substantially.

If you retire or stop driving back and forth to work at all,
let your agent know as this can save you even more on your
insurance every month.

If you can afford to increase your deductible you will lower
your monthly premium instantly. Just keep in mind that you will
have to pay your deductible in cash should you ever have a claim
so don't make promises that you'll have trouble keeping.

Buy your automobile insurance online. You'll almost always save
money buying your insurance online, but don't stop after getting
prices from just one automobile insurance price comparison site.
If you're serious about savings money then you'll take the extra
time and get comparisons from at least 3 different sites.

And be sure that you input the same information onto the forms
on all 3 comparison sites. This way you'll be comparing the same
policy each time and the results you get will actually mean
something.

Finally, once you've made all of the comparisons, it's time for
you to pick the lowest-priced policy you've found and then smile
all the way to the bank every month, knowing that you've
discovered how to get the best rates on automobile insurance in
West Virginia.

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