Best Cheap Auto Insurance Quotes for Drivers with a Bad Driving Record in West Virginia

The type of vehicle you are buying coverage for is a large consideration when comparing quotes for low-priced auto insurance for drivers with a bad driving record. Vehicles with average performance, an excellent safety record, or a positive history of liability claims will cost substantially less to insure than higher performance models.

The information below estimates coverage rates for a number of the most budget-friendly vehicles to buy coverage for.

Data based on married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Price information does not factor in zip code location which can decrease or increase price quotes noticeably.

Data based on married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price information does not factor in garaging location in West Virginia which can decrease or increase prices greatly.

Price data assumes married male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific zip code location which can alter price quotes greatly.

Establishing which insurers offer the most affordable insurance rates for drivers with a bad driving record involves a tad more effort in order to find coverage that fits your buget. Every insurance company has a different formula to set their prices, so we’ll take a look at the insurance companies with the overall cheapest rates in West Virginia.

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Erie has some of the cheapest car insurance rates in West Virginia at around $913 per year. The Hartford, State Auto, USAA, and Westfield would also make the list of some of the lowest-priced West Virginia insurance companies.

As depicted above, if you currently have coverage with The Hartford and switched to Erie, you could earn a yearly savings of in the neighborhood of $136. Customers with State Auto might save as much as $316 a year, and USAA customers might lower prices by $361 a year.

Remember that these policy rates are averaged across all types of insureds and vehicles and are not factoring in a rate surcharge for drivers with a bad driving record. So the auto insurance company that has the cheapest price for you may not even be included in the above list. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

When shopping for cheaper insurance for bad drivers, one of the many things that is used to help calculate the annual cost of car insurance is where you normally keep your vehicle. Cities that have higher claim levels or more people like Bluefield, Oak Hill, and Princeton will most likely have higher rates, whereas areas with less crime or weather claims generally have lower rates.

The table below displays the most costly cities in West Virginia for drivers with a bad driving record to purchase a policy in.

Rate quotes are approximated as the specific area where the vehicle is garaged can lower or raise prices significantly.

Safe drivers pay less for insurance

The obvious way to score the best cheap auto insurance for drivers with a bad driving record in West Virginia is to drive attentively and avoid tickets and accidents. The diagram below highlights how speeding tickets and at-fault accidents raise insurance premiums for different age groups of insureds. Data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

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The data charted above shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,822. Receive two speeding tickets and the average cost swells to $2,521, an increase of $699 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of insurance for drivers with a bad driving record increases to an average of $3,218. That’s an increase of $1,397, or $116 per month, just for not being more responsible behind the wheel!

Does Progressive, State Farm, Geico, or Allstate have the cheapest car insurance?

When researching car insurance for bad drivers in West Virginia, four good companies to start with are Progressive, State Farm, Geico, and Allstate. They all offer a little bit different set of discounts and options that policyholders can choose from. The next table compares and contrasts ratings for price and service, as well as some optional coverages you can expect with each one.

How to find low-cost insurance for drivers with a bad driving record

Below you’ll find some money-saving ideas that can help drivers find the cheapest auto insurance.

• If possible, do not file small claims
• Buying home and auto insurance together can earn discounts
• Buy vehicles with five-star safety ratings
• Do not get traffic tickets
• Prevent rate increases by staying accident-free
• Compare rates often to find the best deal

The last suggestion is incredibly valuable, as we emphasized in the article above. Prices charged by car insurance companies can be modified anytime, so don’t be unwilling to switch to a new company if a cheaper price is available.

Brand loyalty is great, but it’s not recommended if that loyalty ends up costing a lot of money every month. In just a couple of minutes you could compare rates to find cheaper auto insurance for drivers with a bad driving record.

Who has the cheapest insurance quotes for bad drivers?

You have a lot of ways to comparison shop for insurance in West Virginia, but the most common are either through a non-exclusive or independent agent, a captive (or exclusive) agent like State Farm or Allstate, or from a direct company like Progressive. All three ways can provide insurance quotes, but shoppers should understand the differences in how they give price quotes.

Independent insurance agents write business for many companies and can do rate comparisons with every one. These types of agencies have the ability to give you more rate choices, which can give you a better chance of saving money. If the agent locates a cheaper price, your policy can be easily switched to a different company which prevents you from having to find an new insurance agent.

A captive or exclusive agent is usually restricted to one insurance company, two popular examples being an Allstate or Liberty Mutual agent. This type of agents cannot quote prices from more than a single company, so it’s a good idea to shop around.

The third popular method of shopping for insurance is direct, which means you skip a local agent and buy from a direct company like Esurance or Progressive. Buying insurance direct may be preferred by families who have lower risk management needs and have a good understanding of what coverage options they need.

So which method is best for finding the best cheap auto insurance for drivers with a bad driving record in West Virginia? It would be obvious to point out buying from a direct car insurance company results in the cheapest price because there are no middleman commissions, but in reality, that is not true. And we’d like to say using an independent agent guarantees the best prices since they can quote with many companies, but again, it’s not necessarily true. In a lot of cases, the exclusive agents have extremely competitive rates that are the cheapest.

Since insurance prices are based on many different factors, the only real way to ensure you are not overpaying is to compare rate quotes from as many companies as possible. The ideal approach is to get price quotes all three ways to have a good selection of rates to choose from. For a list of companies offering online discounts in West Virginia, click here to view.