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West Virginia Car Insurance Agents Directory

Having a policy for your automobile is required by law for all residents to drive legally in the state of West Virginia. The minimum requirement for a liability insurance policy includes coverages of at least $20,000 per person for bodily injury or death and $40,000 for more than one person and $10,000 for property damage. If you are shopping for the lowest possible rate, request a West Virginia car insurance quote with these limits and you will be in compliance with the state law.

Getting a cheap West Virginia auto insurance policy may not be such a good idea if you have a newer car or have assets to protect. Optional coverages like collision and comprehensive will pay to fix your car for covered losses and choosing higher limits of liability will help to protect your assets. Picking the appropriate coverages can be tricky business so it’s a good idea to consult with an insurance agent who can advise you about how to get affordable insurance for your car in West Virginia and the proper level of coverage. This should be your goal.

Our multi line insurance agent’s directory lists agents that represent many of the top insurance companies in the country. These agents specialize in many lines or types of insurance such as automobile, homeowners, renters, condo, boat, farm and life insurance. The list of policy types goes on and on but if you are willing to purchase more than one policy from the same insurer, you will likely be able to save money. That’s because most companies offer a multi policy discount on each policy that you purchase making discount West Virginia car insurance very easy to obtain. Agents are waiting for your call so find your city in West Virginia and contact one to request a free insurance quote and have the agent quote all of your other policies as well.


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West Virginia Auto Insurance Regulations:

West Virginia is considered a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. West Virginia auto insurance laws require liability insurance to help fulfill this responsibility. The state's standard liability coverage requirements are 20/40/10. That is $20,000 per individual for bodily injuries you cause to the other persons, and up to $40,000 for all, and $10,000 for damage you cause to the other party's personal property. West Virginia auto insurance laws also require that you purchase uninsured motorist coverages of at least 20/40/10.

Many states now also use credit as a rating tool and having good credit can mean a lower rate.

Overall Rates are determined by the driving habits of the drivers within a state. West Virginia determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. West Virginia auto insurance companies will also offers additional coverages like collision, comprehensive, and uninsured and underinsured motorist bodily injury coverage. Visit the West Virginia Department of Insurance for additional details at the Insurance Basics link on this site.
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