West Virginia Car Insurance

West Virginia Car Insurance: Simple WV Auto Insurance Guide

It is mandatory for car owners to have car insurance in the state of West Virginia. You also need to carry a proof of car insurance while driving in WV. The Tort system is followed in the state of West Virginia, which means that the driver of the car is financially responsible for damage to property and injuries caused to any other party due to his/her negligence or fault.

The minimum liability coverage required to satisfy this responsibility is often referred to as 20/40/10: $20,000 to cover the expenses for bodily injuries per individual, $40,000 to cover for bodily injuries caused to all, and $10,000 to cover for property damage to the victim.

A minimum Uninsured/Underinsured Motorist coverage of $25,000 per individual to a total of $50,000 per accident for bodily injuries caused by an uninsured/underinsured driver's negligence is also required in West Virginia.

If you require further information on WV auto insurance policies, you can contact West Virginia Offices of the Insurance Commissioner by calling 1-888-TRY-WVIC or by visiting their website at http://www.wvinsurance.gov.

It is recommended to first get free quotes to see what’s available to you before you select and purchase a policy. A car insurance policy is something which every driver needs. Car drivers also want the premiums to be affordable. Therefore, we have a complied an easy to follow tips to get cheap insurance quotes in the state of West Virginia.

Credit Score

You can get cheap insurance quotes from car insurance companies by keeping your credit history clean. Insurance companies decide the rate of your policy by checking your credit history. This is available via credit scoring agency who provide this data to most financial institutions. If your history is not satisfactory, it is recommended you find companies that do not resort to credit checks.

Driving Courses

You can get cheap insurance quotes by taking driving courses. Insurance companies believe that drivers who have taken a specialized driving course, such as defensive driving are safe drivers and less likely to get into an accident.

Combine Car and Home Policies

You can obtain a discount by buying your home and car insurance from the same company. A 5-20% discount is offered for a combined policy.

Security System In your Car

Cars insurance companies offer discounts on cars that are less likely to be stolen. Many pay more for their auto insurance simply because the car module they drive is on the top stolen vehicles in their states or in U.S.

Comprehensive Storage Cover

It is recommended to keep just the comprehensive coverage if you’re not planning to use your car for a long time. If a car is not used often, it will not need liability coverage, as it is less likely to get into an accident.

Location and Miles Per Year

Your address is an important factor in on your insurance rate will be. If you live in an area when low crime rate, you can get your a cheap insurance quote. It is also recommended that you move near your workplace or college/school to reduce the mileage of the car. Cars that have ‘traveled less’ are given discounts by insurance companies.