Cheap Auto Insurance for Uninsured Drivers in West Virginia

The words “low-cost” and “auto insurance” really shouldn’t be used together, specifically when you are trying to find the best price on coverage for uninsured drivers. Let’s open your eyes to some of the factors that determine auto insurance premiums, and come up with some ideas to reduce the price of your next policy.

When shopping for cheaper insurance for drivers with no prior coverage, one of the many factors that aid in calculating the amount you pay each year for auto insurance is your address in West Virginia. More densely populated places like Oak Hill, Bluefield, and Elkins tend to have higher rates, whereas areas with lower crime rates and fewer weather claims generally pay less for insurance.

The information below rates the highest-priced areas in West Virginia for uninsured drivers to purchase auto insurance in.

Rate information is approximated as the specific West Virginia residence address can influence auto insurance rates substantially.

The car, truck, or SUV requiring insurance is one of the biggest factors when looking for cheap car insurance for uninsured drivers in West Virginia. Vehicles with high performance features, poor passenger safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models.

The data below shows insurance prices for some of the most budget-friendly vehicles to buy insurance for.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in specific West Virginia garaging location which can change prices significantly.

Looking at the data, you can conclude that models like the Ford Escape, Hyundai Tucson, Honda CR-V, Ford Edge, and Toyota Tacoma are a few of the most affordable vehicles to insure for drivers with no prior coverage.

Deciding which company offers the best car insurance rates for uninsured drivers requires a bit more effort than just quoting one company’s rates. Every auto insurer has a proprietary formula for determining rates, so let’s take a look at the car insurance companies that tend to be cheaper in West Virginia.

Keep in mind that West Virginia car insurance rates are impacted by many factors that may substantially change the cost of your policy. Simply turning a year older, adding a teenager to your policy, or having an at-fault accident can cause premium changes that can now make some companies cheaper than others.

Best Cheap Insurance Rates in West Virginia

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Erie quotes some of the lowest car insurance rates in West Virginia at around $931 annually. The Hartford, State Auto, Westfield, and USAA also are some of the best West Virginia insurance companies.

In this example, if you are a policyholder with The Hartford and switched to Erie, you could realize annual savings of in the vicinity of $129. Customers with State Auto may save as much as $298 a year, and Westfield customers might reduce rates by $331 a year.

Be aware that those policy rates are averages for all drivers and vehicles and and are not figured with a rate decrease for uninsured drivers. So the auto insurance company that can offer you the lowest price may not even be in the above rate chart. That emphasizes why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

Comparison of full coverage and liability-only policies

Finding cheap car insurance for uninsured drivers in West Virginia should be important to the majority of vehicle owners, and one of the quickest ways to pay less for insurance is to only buy liability insurance. The chart below visualizes the comparison of insurance costs with full coverage and liability only. The costs are based on no violations or claims, $100 deductibles, drivers are single, and no policy discounts are applied.

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If averaged out across all ages, physical damage coverage on your policy costs an extra $2,104 per year over and above liability only. That proposes the question if buying full coverage is worth the money. There isn’t a steadfast formula that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s settlement value is $11,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $10,000 after paying the physical damage deductible. If you are paying in excess of $1,000 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Discount West Virginia insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-uninsured-drivers-wv.jpg" alt="Cheaper West Virginia car insurance for drivers with no prior coverage”/>Insurance companies that sell cheap car insurance for uninsured drivers in West Virginia may provide special discounts that can lower rates by as much as 25% or more if you are eligible. A few of the larger companies and the discounts they provide are detailed below.

The chart below shows the difference between yearly insurance costs with and without discounts. The prices are based on a female driver, no violations or accidents, West Virginia state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, anti-theft, defensive driving course, marriage, multiple policy, and vehicle safety discounts applied. When discounts are factored in, the the average amount saved on car insurance for uninsured drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2935,2113],[‘Age 30’, 2037,1481],[‘Age 40’, 1891,1371],[‘Age 50’, 1653,1199],[‘Age 60’, 1597,1159],[‘Age 70’, 1857,1343]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Uninsured Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,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);}

Allstate, Geico, Progressive, and State Farm compared

If you are shopping around for auto insurance for drivers with no prior coverage in West Virginia, the companies that insure more vehicles than anyone else are Allstate, Geico, Progressive, and State Farm. The next table ranks ratings for price and service, as well as some optional coverages that may be available in your state.