best car insurance in West Virginia
Car insurance in West Virginia: All about Full Coverage
Whether you are questioning what is the best car insurance in West Virginia, what is the rate difference between full coverage and liability insurance, or how your driving history has an affect on your premium. A Plus Insurance will be right here to help you every step of the way!
By Treasure Coleman | CSR at Learnandserve.org | Powered by A Plus Insurance
- What does full coverage car insurance consists of?
- Should I get Full Coverage Calculator
- Which coverage is better to have?
- full coverage or liability?
- How can I obtain the cheapest car insurance in West Virginia?
- Best car insurance in West Virginia with bundle
- Cheapest car insurance in West Virginia by violation
- Best car insurance in West Virginia for full coverage
- Car insurance in West Virginia
What does full coverage car insurance consists of?
When looking into getting the cheapest car insurance in West Virginia it’s great to keep in mind what requirements are necessary to be able to drive legally in the state.
In West Virginia, the minimum requirement is liability insurance which covers bodily injury and property damage.
Bodily injury covers any injuries from the accident or any deaths that occurred due to said accident whereas property damage pays for any damages made to the other vehicle or any property that you cause damage to such as a mailbox, fence, or building.
In West Virginia, it is required by law to have at minimum liability insurance and if you don’t obtain coverage and are pulled over there will be penalties such as a license suspension for up to thirty days, vehicle registration revocation, reinstatement for your license and your vehicle registration, and up to a one year jail term.
When looking into full coverage, not only does that include property damage and bodily injury, but it also includes comprehensive and collision coverage.
Comprehensive: Comprehensive covers any damages that are not made by you and are out of your own control that are vandalism, hitting an animal, damages caused by the weather, or glass cracked/broken.
Collison: Collison pays for your vehicle if you collide with a motorcycle, car, or any object regardless of fault.
Some additional coverages that you can also add on to your auto policy would include medical payments and uninsured/underinsured motorist
Medical Payments: Medical Payments covers any medical bills or any funeral arrangements that you are needing to pay due to the accident.
Underinsured/Uninsured Motorist: This coverage is responsible for paying for damages that your own vehicle obtains from a driver who is at fault and also not insured with an insurance company.
Should I get Full Coverage Calculator
Which coverage is better to have?
full coverage or liability?
When shopping for car insurance in West Virginia and trying to decide which coverage works best for you, it is great to keep in mind the make, model, and year of your car as well as what you are using your vehicle for.
The reason for this is because if you use your car every now and then and the vehicle is an older model then going with liability insurance would be best for you. Whereas, if you are financing or leasing your vehicle and making payments then its required to get full coverage insurance.
One of the main differences between full coverage and liability insurance is the price and the components.
Full coverage contains a lot more secure coverage options for you such as roadside assistance, uninsured/underinsured motorist, and medical payments which is a plus and very beneficial to have.
However, liability insurance only pays for injuries and damages that the other driver sustains and does not help cover any damages to your own car which can be a downside.
Furthermore, full coverage is more expensive than liability insurance and can be up to fifteen percent more in premium.
Therefore, it is best to have in mind what you need before running a quote with any insurance agency.
In addition, having liability insurance can be a downside because when you are in an accident with another driver and you are not at fault making a claim can be tedious.
The reason for this is because when you are filing the claim for their insurance companies you might not be guaranteed the amount of money you deserve or the claim may not be approved.
How can I obtain the cheapest car insurance in West Virginia?
When looking into car insurance in West Virginia with different insurance companies it can be quite expensive. There a lot of factors that play a part in your cost, such as, your location, your gender, the make, model, and year of the vehicle and much more!
That is why it is so important to look into discounts with each carrier to see which company can save you the most money.
The different types of discounts that we offer with A Plus Insurance include multi-policy, multi-car, continuous insurance, snapshot-safe driver, teen and student discount, homeowner discount.
As well as discounts for how you set up your policy like a online quote discount, sign online discount, paperless discount, pay-in full, and automatic payment discount.
Additionally, there are various other ways to get your premium to decrease that include increasing your deductible, shop around with insurance carriers, signing up for a drivers safety program, and exploring payment options within the carrier.
As well as bundling your auto insurance quote with home/renters insurance or improving your credit score could be other ways you can see a decrease in premium.
Best car insurance in West Virginia with bundle
When getting car insurance it is very beneficial to get a bundle with your car insurance such as renters insurance because you may qualify for discounts that the insurance carrier offers which can save you money on your premium overall. Listed below are rates that we and other carriers offer:
| Carrier | Average Cost |
|---|---|
| Nationwide | $130 |
| Dairyland | $133 |
| Bristol West | $138 |
| National General | $138 |
| Acceptance RTR | $143 |
| The General | $144 |
Cheapest car insurance in West Virginia by violation
When you are shopping around for car insurance in West Virginia all agencies will look into your motor vehicle record which shows all your violations including speeding tickets, dui, license suspensions, and accident reports.
Violations typically stay on your record for three to five years so its very important to practice safe driving habits. This record will determine your eligibility with discounts as well as how high or low your premium will be for your policy term. Listed below are a few insurance carriers rates including our own:
| Carrier | Average Cost |
|---|---|
| Geico | $151 |
| Nationwide | $154 |
| Bristol West | $155 |
| National General | $160 |
| Dairyland | $163 |
| Mendota Ins. Company | $167 |
| GAINSCO | $179 |
Best car insurance in West Virginia for full coverage
| Carrier | Average Cost |
|---|---|
| The General | $82 |
| Mendota Ins. Company | $85 |
| Progressive Insurance | $92 |
| Geico | $100 |
| AssuranceAmerica | $105 |
| National General | $106 |
| Acceptance RTR | $107 |
| Dairyland | $107 |
| Bristol West | $112 |
| USAA | $124 |
Car insurance in West Virginia
| Auto Insurance | West Virginia |
| Liability Insurance | West Virginia |
| Motorcycle Insurance | West Virginia |
| SR22 Insurance | West Virginia |
| Homeowners Insurance | West Virginia |
Last Updated on by Alexis Karapiperis