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Cheapest Car Insurance in West Virginia

All About Full Coverage Car Insurance in West Virginia

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By Treasure Coleman | CSR at Learnandserve.org | Powered by A Plus Insurance

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. 

How much is car insurance in West Virginia per month?

The cost of car insurance in West Virginia varies depending on factors such as age, driving record, and coverage needs. On average, drivers in West Virginia can expect to pay around $80 to $150 per month for car insurance. However, rates can be lower for drivers with clean driving records or who qualify for discounts such as multi-policy or good driver discounts. To find the cheapest car insurance in West Virginia, it’s essential to compare quotes from multiple insurance carriers and consider factors like coverage limits and deductibles.

• Factors influencing car insurance rates in West Virginia:
  • Age
  • Driving record
  • Coverage needs
  • Discounts eligibility

Comparison of Car Insurance Rates in West Virginia:

By comparing quotes and taking advantage of available discounts, you can find the cheapest car insurance options in West Virginia that fit your budget and coverage needs.

Should I get Full Coverage Calculator?

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:

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:

For personalized assistance and quotes, call us at 1.888.445.2793.

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Last Updated on December 9, 2024 by Marlon Moss