Best Cheap Car Insurance Quotes for High School Students in West Virginia

The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, in particular when you are looking for the best insurance rates for high school students. Because of the high cost, let’s go over some of the factors that have a considerable impact on car insurance premiums, and come up with some ways to take the sting out of the next policy you buy.

Trying to find low-cost auto insurance is not most people’s favorite thing to do, and determining which company offers the cheapest auto insurance rates for high school students involves additional perseverance. Prices could be quite a bit more than the state average, with the increase attributed to the added risk related to offering coverage for teenagers, but reasonable coverage should be available if you are thorough.

Every auto insurer uses their own method for setting rates, so let’s rank the auto insurance companies with the overall best prices in West Virginia. It’s important to understand that West Virginia auto insurance rates are impacted by many things which can significantly increase or decrease the cost of your policy. Improving your financial situation, getting married, or having an accident can trigger price changes that can cause some rates to be more affordable than the competition.

Cheapest Insurance Rates for Students

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Erie has some of the cheapest car insurance rates in West Virginia at around $904 a year. The Hartford, State Auto, Westfield, and USAA also make the cut as some of the more affordable West Virginia car insurance companies.

As shown above, if you have coverage with State Auto and switched to Erie, you might achieve savings of in the neighborhood of $349. Drivers with Westfield could save as much as $358 a year, and USAA policyholders might see rate reductions of $383 a year.

It’s important to note that these premiums are averaged for all drivers and vehicles and and are not figured with a rate surcharge for high school students. So the auto insurance company that can offer you the lowest price may not even be in the rate chart shown above. That’s why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

The vehicle driven is one of the largest factors when comparing quotes for the lowest-priced car insurance for high school students. Vehicles with high performance features, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models. The next lists presents car insurance costs for a selection of the most affordable vehicles to buy coverage for.

Prices above based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific location information which can revise coverage rates substantially.

Premium data assumes single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in vehicle location which can revise prices substantially.

Above prices assume single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can affect prices considerably.

One of the many factors that car insurance companies use to determine rate quotes is where you keep your vehicle. Areas with more people or even just a higher incidence of claims like Bluefield, Nitro, and Beckley tend to pay higher rates, whereas more rural areas benefit from having to pay less for coverage.

The following table lists the most expensive cities in West Virginia for high school students in which to purchase auto insurance.

Rate information is comparative as specific West Virginia garaging address can change prices considerably.

Difference between liability only and full coverage rates

Finding the best cheap auto insurance for high school students in West Virginia should be important to the majority of drivers, and an effective way to pay lower rates for insurance is to only pay for liability coverage. The illustration below shows the difference between insurance costs with and without full coverage. The data is based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no additional discounts are factored in.

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On average, comp and collision coverage costs an additional $1,928 per year more than carrying just liability coverage. Lot’s of drivers question when is it a good idea to stop buying full coverage. There is no definitive rule to delete full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.