West Virginia Car Insurance
Carrying West Virginia car insurance is a necessity for automobile owners in the state of West Virginia. The auto insurance industry has gotten so competitive that it is both wise and necessary to shop around for the best price. When you get started looking for West Virginia car insurance the 4-step process outlined below can help you understand the facts and your needs.
Step 1: Determining Your West Virginia Car Insurance Needs
Most states, West Virginia included, require car owners to carry at least minimum coverage and the state mandated WV requirements include:
- Bodily injury liability in the amounts of $20,000 per person and $40,000 per accident in total
- Property damage liability in the amount of $10,000 per accident
- Uninsured motorist bodily injury coverage in the amounts of $20,000 per person and $40,000 per accident in total
Even though these are the minimum limits required by law, they are not the suggested limits. Most experts recommend no less than $100,000/$300,000 for bodily injury liability and uninsured motorist coverage and $50,000 for property damage liability.
If your car is financed you will also need to carry collision and comprehensive coverage in order to be able to replace it in case of an at-fault accident. Your lender will require you to carry this coverage. If your vehicle is not financed, you may also want to consider carrying collision and comprehensive insurance based on the value of your car.
Step 2: Shop Around For The Best West Virginia Car Insurance Prices
Shopping for West Virginia car insurance used to take a lot of time, because you would need to call different companies, repeat the same information over and over and you could only do it during regular business hours. Online car insurance quoting has revolutionized the insurance quoting process.
You simply answer a set of questions once about you, the other drivers of the car and the car itself. The quote tool will provide you with multiple quotes from a variety of insurers serving your area of West Virginia. You can use online quote tools anytime of the day or night at your convenience.
Remember the following things when shopping for car insurance in West Virginia:
- Answer all questions honestly because your policy may be cancelled if the insurance company discovers that you have lied or omitted information.
- Since shopping around and comparing is the key to getting the best deal on your auto insurance, be sure to compare no less than 3 different quotes.
Step 3: Investigate West Virginia Car Insurance Companies
When you have your quotes in hand and are comparing them you need to look at more than just price. Even though the bottom line is very important, it is equally important to make sure that the company you are going with is stable, reliable and takes good care of their customers.
You can check into the financial stability of insurance companies by finding out the rating the companies receive from one of the independent insurance ratings companies like A.M. Best, Standard and Poor’s or Moody’s. An A or better rating from one of these companies is a good indicator that they can meet their financial obligations.
An online search will provide you with the information you are looking for concerning customer service. You should be most concerned with how timely they are in dealing with car insurance claims and how reasonable they are in dealing with their customers.
Some of the companies offering West Virginia car insurance are:
- Allstate
- State Farm
- GEICO
- Liberty Mutual
- Metropolitan
- USAA
- Progressive
- Nationwide
- First National
- Teachers
Remember that no one company or policy is the best. Making a personal choice based on your specific needs is the only thing that truly makes sense.
Step 4: Make Your West Virginia Car Insurance Choice
Carefully compare your options side by side after collecting all the information that you need. Weigh the premiums with the financial strength and customer service record of the companies you are considering. Make a timely decision in getting car insurance and do not allow your existing coverage to lapse in the meantime.
Get Your West Virginia Car Insurance Quotes Now
Now that you know the crucial 4 steps to getting the most appropriate West Virginia auto insurance policy, you are ready to get some quotes.
You just need to return to the free online WV car insurance quote tool above, answer the questions you will be asked and in no time you’ll have a variety of West Virginia car insurance quotes to choose from.
Get started finding cheap West Virginia auto insurance now!