Affordable Car Insurance Auto Insurance in West Virginia - Compare Rates

If you're looking to renew or purchase a new auto insurance policy in West Virginia, be sure to obtain quotes from several companies. By doing this you will always be sure that you have taken an informed decision.


Bodily injury liability
This covers the expenses of injury that you caused to others in an accident. It will include:-
>> Legal costs in case you are sued by the victim
>> Medical expenses, pain and suffering
>> Lost wages
The law requires minimum limits of $20,000 per injured person and up to a total of $40,000 per accident.

Property damage liability
This can only be used when you are at-fault. The coverage will pay for the damages to property and possessions of others involved in the accident. It includes damages to the car, any other property like fence, mail box, sign poles, a tree etc.
>> A minimum limit of $10,000 is to be maintained for this coverage.

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The state of West Virginia follows a Tort system and hence if you are responsible for any accident then your insurer will have to pay for the damages. So it is mandatory that everyone purchase auto insurance, at least the minimum liability. But there are many drivers who have inadequate insurance or who cannot afford insurance or simply choose not to buy it. If you are involved in an accident caused by an uninsured/underinsured then your insurer will obviously not pay for it. In such an event, Uninsured/Underinsured Motorist coverage will be of great use to you.

The mandatory limit for Uninsured Motorist Bodily Injury is $20,000/$40,000 and the Limit for Uninsured Motorist Property Damage is $10,000.

Tips for lowering your insurance premium

When you decide to get quotes from various companies, use the internet. Using the web will enable you to get your work done in no time.

Your driving record and credit history matter when it comes to insurance rates. If you drive responsibly and have no DUI or DWI conviction and pay all your bills on time, you will definitely benefit by getting lower insurance premiums.

You can also save from increasing your deductible limit. You can do this only when you think that you have the ability to pay for a major damage on your own.

These days' companies offer a lot many discount to retain old customers and attract new ones. Just don't forget to ask them for it. You can avail many discounts like "good student discount", "good driver discount" discounts for installing safety devices in your car.

So all you drivers of Mountain State purchase the insurance and don't forget to carry the insurance document with you whenever you drive.

Safe driving!!!

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