West Virginia Car Insurance
Before you start looking for a West Virginia Car Insurance company, you may need to learn a thing or two about the basic car insurance requirements effecting West Virginia Car Insurance and car insurance rates. The very first thing that you may need to know is that driving around without West Virginia car insurance could lead to fines and penalties, specifically the ones that may be assessed by the West Virginia Department of Motor Vehicles.
Like other states, West Virginia may also have its own minimum requirement for liability car insurance, and you may have to comply with these requirements before you can start driving. Moreover, you may be required to carry proof of your compliance (usually a simple card) whenever you go out for a drive. And since law enforcement officers may have the mandate to ask motorists to ask for proof of financial responsibility with regards to car insurance, it may be prudent to always carry one whenever you’re driving. See more on ways to lower car insurance premiums.
Now, that we’ve covered that issue briefly, let’s move on to the main one, which is the minimum state coverage that may be required in a West Virginia car insurance policy. The minimum requirement could basically be summed up as 20/40/10, or in more elaborate terms:
$20,000 per person injury coverage
$40,000 per accident injury coverage
$10,000 property damage coverage per accident
Once you have complied with these requirements, you might be able to begin driving as a registered motorist with a West Virginia car insurance policy. However, although compliance with these requirements may allow you to start driving, they may also be quite insufficient when it comes to real accidents wherein everybody suffers from extensive damages. It is for that simple reason that you may need to buy more coverage than what may be required from you by the state. Most of the largest car insurance companies have branches in many cities in West Virginia.
As a general rule, living in a large city could possibly result in higher premiums whereas being a resident of a small town could result in lower ones. Of course, you should remember also that car insurance costs may be determined by several factors (and not just where you live), including your credit rating, driving record, and even your annual mileage. So given the different factors involved, it may be practical to shop around as much as possible.
The easiest way to find affordable car insurance is to get as many quotes as you can. By filling out a simple form, you can get free, no-obligation quotes.
For information on other states, see the page on State Auto Insurance Companies.