Cheapest Insurance Quotes for a Toyota Corolla in West Virginia

Our staff writers always rib each other than when writing about car insurance, the word “cheap” should never appear anywhere to describe car insurance prices. It’s just a fact that cheap auto insurance for a Toyota Corolla is just plain contradictory. We’ll try to make it up to you, because we are going to show you some ways you can get coverage that you can afford to pay for.

The likelihood of finding cheaper car insurance for a Toyota Corolla in West Virginia is contingent on a complex formula that factors things such as whether the vehicle is new, if you have a tendancy to file claims, and deductible levels for physical damage coverage. Drivers in West Virginia pay an average rate of $1,190 annually to insure a Corolla, but that rate is a ballpark figure based on rates for a 30-year-old married female that has full comprehensive and collision coverage and $100 policy deductibles.

There is a good chance you are not 30 and maybe not even a female, possibly single instead of married, or maybe your Corolla doesn’t need comprehensive and collision coverage. Just a slight change in the rating criteria used to formulate rates may result in significant differences in the cost of insurance.

Everyone has different rating factors, so the most reliable method for finding the most affordable coverage for your Toyota is to get into the habit of comparing rates once a year.

Insure Your Toyota for Less

The trim level of your Corolla tends to have a direct effect on the cost of coverage, so the cost to insure a Corolla LE model will be $40 cheaper than the price to insure the more well-appointed Corolla XRS version, as shown below.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rates do not factor in specific West Virginia garaging location which can change auto insurance rates greatly.

Ending up with the top insurance provider is hard considering how many companies there are to choose from in West Virginia. The company information listed below can help you pick which coverage providers you want to consider comparing rates from.

These rankings only include the largest companies in the United States, so companies with more of a regional focus are not taken into consideration for this list. To view rates from these and other competitive companies, click here.

How to get discounts on West Virginia auto insurance

Auto insurance companies that provide the cheapest insurance for a Toyota Corolla in West Virginia may also offer price discounts that could reduce prices by 40% or more if you are eligible. Large car insurance companies and their offered discounts are included below.

• State Farm offers discounts for Drive Safe & Save, good student, multiple autos, student away at school, driver’s education, defensive driving training, and passive restraint.
• Farmers Insurance discounts include teen driver, youthful driver, business and professional, distant student, and switch companies.
• GEICO includes discounts for air bags, good student, anti-theft, driver training, emergency military deployment, and anti-lock brakes.
• American Family has savings for accident-free, early bird, air bags, TimeAway discount, good driver, bundled insurance, and good student.
• Nationwide policyholders can earn discounts including good student, business or organization, defensive driving, family plan, and multi-policy.
• Progressive may include discounts for online quote discount, online signing, good student, homeowner, continuous coverage, multi-policy, and multi-vehicle.

The example below illustrates the comparison of insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no violations or accidents, West Virginia state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, defensive driving course, accident-free, homeowner, passive restraint, and multiple vehicle discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for a Toyota Corolla is 28% or $607.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3737,2683],[‘Age 30’, 1929,1397],[‘Age 40’, 1903,1377],[‘Age 50’, 1737,1255],[‘Age 60’, 1683,1215],[‘Age 70’, 2065,1485]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Toyota Corolla’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Corolla in West Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Can you find cheaper Corolla insurance?

West Virginia car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of a policy. Simply improving your credit, getting divorced, or getting a ticket for careless driving can cause premium changes that can now make some companies more affordable than before.

Not only may your situation change, but car insurance companies change the rates they charge in West Virginia at least once a year in order to be able to pay unexpected claims. A period of increased losses may cause a rate increase, while a profitable period can cause more affordable Corolla insurance rates.

To help illustrate this point, the bar chart below shows rates for the cheapest car insurance in West Virginia for a 40-year-old male driver with no accidents or violations, and a decent credit rating. Based on his current risk profile, Erie offers the lowest car insurance rates in West Virginia at $931 a year. This is $849 less than the average premium paid by West Virginia drivers of $1,780. The Hartford, State Auto, USAA, and Westfield are also included in the cheapest West Virginia auto insurance companies.

google.charts.setOnLoadCallback(drawWVWitcqcibChart);function drawWVWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Erie’, 931, ‘#5E9216’],[‘The Hartford’, 1049, ‘#4E7912’],[‘State Auto’, 1266, ‘#41640F’],[‘USAA’, 1274, ‘#36530C’],[‘Westfield’, 1301, ‘#2D450A’]]);var options = {title: ‘Best Car Insurance Rates for a Toyota Corolla’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1401,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Let’s now give the driver in the first example a chargeable accident, bad credit, and a traffic ticket or two. Since each auto insurer has their own formula for setting prices, comparing insurance quotes may now present a new list of affordable companies as shown below.

google.charts.setOnLoadCallback(drawWVWcqcibChart);function drawWVWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 1678.4, ‘#C75000’],[‘State Farm’, 1708.3, ‘#A54200’],[‘Encompass’, 1729.2, ‘#893700’],[‘Nationwide’, 1741.3, ‘#722D00’],[‘State Auto’, 1899, ‘#5F2500’]]);var options = {title: ‘New Rates Using Different Rating Criteria’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1999,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

The Hartford now has the best insurance rate in West Virginia with State Farm, Encompass, Nationwide, and State Auto now being in the top five. This illustrates why drivers need to spend some time comparing rates to get the most affordable insurance quotes for a Toyota Corolla. Rates are calculated by many factors and can change without notice, so the lowest-price company the last time you shopped your coverage around may now cost much more than other companies.

Tips for buying the cheapest insurance for a Toyota Corolla

It’s not impossible to find cheaper rates, and here are many thrifty suggestions that can help West Virginia drivers find lower-cost coverage.

• Increase your policy deductibles
• Good credit can save money
• Try to not file small claims
• If your vehicles are older, consider dropping full coverage
• Buy safe vehicles
• Buying your home and auto policies from the same company can earn a discount
• Shop your coverage around for the best deal

The final tip is certainly necessary, as we emphasized in the prior information. Car insurance rates in West Virginia can change in a short period of time, so don’t be unwilling to buy from a new company if a cheaper price is available. Having brand loyalty is commendable, but it’s not a good idea if your bullheadedness ends up costing you a small fortune. It takes less than five minutes to compare rates to find cheaper insurance for a Toyota Corolla.