West Virginia law mandates drivers carry at least the legal minimums in bodily injury and property damage liability insurance; however, it’s wiser to purchase more than the required minimum. NerdWallet’s guide to West Virginia car insurance requirements offers more details on minimum coverage requirements, plus possible add-on coverages that could prove worthwhile.
Cost of full coverage car insurance varies greatly by insurer, making comparison shopping an essential task. Below is a table with rates from various West Virginia-based providers and factors which influence rate quotes such as driver age, driving record and credit history – not forgetting type of vehicle insured!
Drivers with clean records tend to pay the most affordable auto insurance premiums. Conversely, individuals with poor credit or driving records tend to experience higher car insurance premiums – in particular those who receive speeding tickets or DUI convictions can quickly increase rates after just one incident; improving driving habits will significantly decrease this likelihood and eventually lower insurance costs over time.
Many drivers may be surprised to learn that the length of their commute has an impactful influence on their car insurance premiums. Distance is an indicator of the risk an insurer takes on; those living closer tend to pay less.
Purchase of car insurance should also be carefully considered, with collision and comprehensive policies contributing to higher premiums while providing extra protection through repairs or replacement of your own vehicle and any others involved in an accident as well as possible medical costs or lost wages from injuries sustained during a crash.
West Virginia is an idyllic state with plenty of outdoor activities, yet is notorious for having some of the most dangerous roads. Drivers in West Virginia should add roadside assistance and towing coverage as an additional layer of security to their auto policy; comprehensive or collision policies usually offer this coverage as standard and provide drivers with extra peace of mind.
West Virginia ranks high for car-deer collisions. To better protect you and your car against these costly incidents, Progressive offers comprehensive coverage options to add onto any policy.
Selecting an auto insurance provider depends heavily on personal factors. Popular choices among drivers include Erie, USAA and State Farm for their outstanding customer service, competitive rates and useful coverages; as well as offering discounts such as good student or safe driver programs. Every driver should know how rates are determined prior to settling on any policy carrier; by understanding all of the factors impacting rate quotes you can make better decisions regarding which policy and premium payments.