West Virginia car insurance costs are relatively low compared to other states in the country, but if you want the best deal possible, it pays off to compare quotes and find the policy that meets your needs.
The West Virginia Car Insurance Calculator allows you to compare prices from top companies across the state. Plus, you have the freedom to add optional coverages and customize your policy according to individual needs.
Minimum Coverage – Liability, Collision and Comprehensive
To legally drive in West Virginia, you must carry liability insurance. This covers injuries or property damage caused to other drivers and passengers in an accident. You may opt to purchase collision and comprehensive (also called full coverage) for extra security. Moreover, adding uninsured/underinsured motorist coverage helps increase your coverage limits and protects you from claims from negligent or uninsured drivers.
Depending on your driving habits and history, you might be able to save money by increasing your deductible or purchasing a usage-based insurance policy. However, these aren’t guaranteed ways of decreasing premiums.
Drivers with good credit often qualify for discounts on their car insurance policies. Companies believe that having good credit makes it less likely that you will file a claim, reducing the price tag significantly.
Conversely, drivers with poor credit may face exorbitant insurance premiums if they get in an accident. On average, full coverage policies with bad credit cost $1,046 more annually than those offered to those with perfect credit.
How a DUI Affects Your Insurance Rates in West Virginia
A conviction for either DUI or DWI in West Virginia can significantly raise your car insurance costs. This is because such offenses are considered high-risk by many insurers. The exact amount that will rise depends on both the citation and insurer’s pricing standards.
You can reduce your auto insurance premiums by improving your driving habits and taking an approved driver’s education course. Some insurers provide incentives to encourage safe driving habits, such as discounts for installing safety devices on your car.
How Age Affects Your Rates in West Virginia
Young and middle aged drivers tend to pay more for auto insurance than younger ones due to being more likely to get into accidents and needing higher coverage limits. With that said, young drivers do have some advantages that older ones cannot offer.
If you have a young driver on your policy, consider reducing their limits or purchasing extra coverage. Not only will this save you money on monthly premiums, but it will give you peace of mind that there is enough protection in case an accident occurs.
Other elements that could influence your rates include the type of car you drive, your deductible and claims record. If your driving record is clean and you demonstrate safe driving practices, finding a low-cost policy should not be too difficult.