How to Lower Your Insurance Premiums in WV

Overview

Insurance is a necessary expense, but that doesn't mean you have to overpay. Here are proven strategies to lower your insurance premiums in West Virginia.

Compare Rates Annually

Insurance rates change frequently. What was the best rate last year may not be the best rate today. AG Insurance recommends comparing rates at least once a year to ensure you're still getting the best deal.

Bundle Your Policies

Bundling auto and home insurance is one of the most reliable ways to save. Most carriers offer 15–25% discounts for multi-policy customers. The average WV family saves $400–$600 per year by bundling.

Improve Your Credit Score

West Virginia allows insurance companies to use credit-based insurance scores. Improving your credit score can lead to lower insurance rates over time.

Increase Your Deductible

A higher deductible means a lower premium. If you have savings to cover a higher deductible, this is a simple way to reduce your monthly insurance costs.

Maintain a Clean Driving Record

Accidents and violations significantly increase auto insurance rates. Safe driving is the best long-term strategy for keeping insurance costs low.

Ask About Discounts

Many discounts go unclaimed because customers don't know to ask. Common discounts include good student, multi-car, defensive driving, low mileage, and loyalty discounts.