Car insurance companies in West Virginia take several factors into consideration when setting their policy prices, including your age, driving record, credit score and coverage levels. These considerations become especially pertinent if there are young or inexperienced teen drivers on your policy.

West Virginia drivers who possess good driving records typically pay lower car insurance premiums. Drivers without accidents or tickets often find rates below half of what would otherwise be expected of them in West Virginia.

Married drivers may qualify for lower auto insurance rates than single individuals, as insurers see married drivers as being more responsible and risk-averse than individuals who are unmarried.

An average 45-year-old male in West Virginia with no accidents or traffic citations would pay on average an estimated annual premium of $1,610 for car insurance. By shopping around and comparing quotes, he could likely find coverage that meets his needs for less.

Model of car can also play an influential role in West Virginia car insurance premiums. Vehicles considered high risk due to costly parts or repair bills usually command higher premiums.

Not only will drivers who purchase high-risk models pay higher premiums, but they may also incur additional expenses such as higher deductibles and out-of-pocket expenses should an accident occur.

Your car’s value can have an effect on its insurance cost in West Virginia, too. If your vehicle is particularly valuable, collision and comprehensive coverage might be wise as repairs could exceed its market value if involved in an accident.

When choosing an insurance provider, make sure you compare at least three quotes before making your selection. Comparing quotes may help save hundreds of dollars; don’t be intimidated to take the time necessary to find the ideal car policy that fits both your budget and needs.

High-risk drivers are defined as drivers with poor driving records, such as speeding tickets or DUI convictions. It’s essential that those involved in accidents or other violations understand how this will impact their car insurance premiums.

If you have an impaired driving record, it’s a smart idea to shop around and compare quotes from three companies in order to secure the best rate possible for your situation. Doing this could save thousands in premium costs – use our West Virginia Car Insurance Calculator as a helpful way of doing just this.

Addition of a teenager to your policy increases its premium 3.1 times due to their inexperience as drivers. Teens are considered high-risk drivers.

At the other extreme, middle-aged drivers have more driving experience than teens and thus pay up to three times less in auto insurance premiums.