Cheap West Virginia Auto Insurance Quotes
West Virginia auto insurance is quite costly – an average of $1,830 annually, which is $250 higher than the U.S. average. Locating cheap auto insurance quotes in this state may be difficult for some drivers. The required insurance types here are liability (20/40/10) and uninsured motorist coverage. WV is the 15th cheapest state 
by the cost of living. In this article, I will provide ratings for several insurance companies that operate in West Virginia, as well as give a number of valuable insurance tips.
West Virginia Car Insurance Carriers (consumer satisfaction rating / financial rating):
1. State Farm (4 / A++)
2. Erie (4 / A+)
3. GEICO (3 / A++)
4. Progressive (3 / A+)
5. Allstate (3 / A+)
6. Nationwide (3 / A+)
7. Liberty Mutual (3 / A)
8. Safeco (3 / A)
9. Foremost (- / A)
10. Westfield (- / A)
West Virginia Car Insurance Tips:
- Increase liability – WV liability minimums are too low; experts suggest 100/300/100.
- Check optional coverage – PIP, collision/comprehensive, road assistance, and GAP.
- Collector cars – don’t forget that there is special collector car insurance.
- Business autos – don’t forget that you need special commercial auto insurance.
- Shop for quotes – this will help you find the lowest premium rates.
- Avoid brokers – brokers limit your selection to a smaller number of insurers.
- Check the carrier – financial rating (A.M. Best); consumers’ rating (J.D. Power).
- Know the discounts – driver’s class, safe car, mileage, lump sum, multi-policy, etc.
- Ask for discounts – some discounts are only given to those who ask.
- Know your policy – read the terms and conditions, and know the exclusions.
- Learn about claim placement – you will know what to do after an accident.
- Print out your insurance card – this card can be requested by law enforcement at random checks.
- High-risk drivers – if you can’t buy insurance, try the WV Assigned Risk program.
- West Virginia Insurance Commission – visit their site for more info and sample rates.
- Mexican auto insurance – if you’re going to Mexico by car, buy Mexican insurance.
- Keep your driving record clean – avoid tickets, accidents, and DUI to save on auto insurance.
- Maintain a good credit score – pay your bills on time to save on automobile insurance.
- Shop for quotes repeatedly – shop for new premium quotes 1-2 times a year.
Even though auto insurance costs a little more in West Virginia compared to other states, it is valuable enough to be worth its cost. Even cheap auto insurance quotes and plans can save one financially after an accident. If you set your liability higher, you’ll be better protected financially even for the most serious at-fault accidents with major property damage and injuries to the victim(s).
If you purchase PIP, you, and other passengers in your car will be covered for injury. If you purchase collision/comprehensive, you will be covered for physical damages to your vehicle resulting from accidents and incidents. If you purchase roadside assistance, you will get prompt help if your car is disabled. If you purchase GAP insurance, you will be covered for the difference between your loan balance and your car’s value before the accident. If you go with just cheap auto insurance in West Virginia, you may be leaving some protection on the table.
