West Virginia Car Insurance Calculator

A driver’s premium depends on several variables, including age, gender, marital status, the type of vehicle they drive and their driving history. Although some of these elements have minimal effects on rates, others can have more significant ones and it is wise to do research into all available carriers so as to find an affordable premium rate. It is also advised to compare and shop around rates as carriers assign weight differently to your premium components.

One effective strategy to reduce car insurance costs is raising your deductible. Although this will increase how much you have to pay out-of-pocket when filing claims, raising it can save up to 15% off your premiums. Another way of cutting costs is maintaining a spotless driving record; even minor offenses like speeding tickets have an effect; more serious offenses like an at-fault accident or DUI may have more profound repercussions that affect premium costs more significantly.

West Virginia requires drivers to carry at least $25,000 of bodily injury liability coverage per person and $20,000 of property damage coverage as minimums. However, it would be wiser to exceed this minimum and purchase comprehensive and collision coverage to safeguard against costly repairs in an accident caused by someone other than yourself or from uninsured drivers.

By insuring multiple cars or bundling home and auto policies with one carrier, or switching your auto provider, you could save money. Furthermore, discounts such as good student, multi-vehicle and safe driver discounts could save even more. Furthermore, be on the lookout for any available reductions or rebates; such as qualifying for discounts by setting up automatic payments from either your checking or savings account.

Car insurance rates depend heavily on where you reside. Repair costs and theft risks vary widely by city; please see the list of ten largest cities in West Virginia below for average car insurance rates in each of them.

Your credit score can have a dramatic effect on your rate, as insurers use this information to assess risk. Drivers with poor credit are more likely to file claims and therefore pay more for car insurance; the good news is that making timely payments and paying down debt are effective ways of improving it and thus significantly decreasing car insurance premiums in West Virginia without compromising coverage.