How Much Does Car Insurance Cost for Government Employees in West Virginia?

Shopping around for budget car insurance is challenging, and determining which companies have the cheapest insurance rates for government employees involves even more shopping around. Each insurer uses different criteria for determining rates, so let’s begin by examining the insurance companies with the overall cheapest rates in West Virginia.

It’s a good idea to know that West Virginia insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Simply having another birthday, adding a teenager to your policy, or getting a ticket for running a stop sign may prompt premium changes that may make certain companies higher-priced than before.

Best Cheap Insurance Rates in West Virginia

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Erie may have some of the lowest car insurance rates in West Virginia at around $904 each year. The Hartford, State Auto, Westfield, and USAA would also make the list of some of the more affordable West Virginia car insurance companies.

As shown above, if you buy coverage from Westfield and switched to Erie, you might achieve an annual premium reduction of roughly $358. Customers with USAA might save as much as $422 a year, and Progressive policyholders might lower prices by $620 a year.

To get a quick, customized rate comparison, click here to get quotes or click several companies below for low rates.

These policy prices are averaged for all insureds and vehicles and do not take into consideration a price discount for government employees. So the auto insurance company that is best suited for you may not even be featured in the list above. That point stresses why you need to quote rates from many companies using your own individual information.

The vehicle you are insuring is probably the biggest factor when comparing cheap auto insurance for government employees in West Virginia. Vehicles with lots of horsepower, poor safety features, or a high likelihood of having liability claims will cost much more to insure than safer models. The next list shows insurance premiums for a number of the most budget-friendly vehicles to buy insurance for.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in specific location information which can increase or decrease coverage prices substantially.

Looking at the data, you can assume that models like the Honda Accord, Ford Escape, Ford Explorer, Subaru Forester, and Honda CR-V are likely to be a few of the less-costly vehicles to insure for state and federal workers.

Get discount West Virginia auto insurance rates

Car insurance companies that offer cheap auto insurance for government employees in West Virginia may also provide discounts that could reduce prices by as much as 30% if you meet the requirements. Larger insurance companies and a partial list of their discounts are shown below.

• State Farm policyholders can earn discounts including defensive driving training, driver’s education, good student, student away at school, Steer Clear safe driver discount, anti-theft, and multiple autos.
• Nationwide has discounts for good student, family plan, defensive driving, business or organization, Farm Bureau membership, multi-policy, and accident-free.
• GEICO discounts include air bags, multi-policy, federal employee, multi-vehicle, driver training, and daytime running lights.
• AAA offers discounts including AAA membership discount, anti-theft, good student, pay-in-full, and multi-car.
• 21st Century has savings for driver training, homeowners, air bags, good student, student driver, theft prevention, and early bird.
• The Hartford includes discounts for driver training, good student, defensive driver, air bag, vehicle fuel type, and anti-theft.

The chart below shows the difference between insurance premiums with and without some available policy discounts. The information is based on a male driver, a clean driving record, no claims, West Virginia state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with claim-free, vehicle safety, safe-driver, marriage, defensive driving course, and accident-free discounts applied. With discounts applied, the average savings per year on insurance for government employees is 28% or $588.

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Poor driving habits will raise your insurance rates

The ideal way to get cheap auto insurance for government employees in West Virginia is to be an attentive driver and avoid accidents and traffic citations. The example below shows how violations and at-fault fender-benders drive up insurance costs for different age groups of insureds. The premiums assume a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

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In the example above, the average cost of an auto insurance policy in West Virginia per year with a clean driving record and no accidents is $2,717. Get written up for two speeding tickets and the average cost hikes up to $3,660, an increase of $944 each year. Then include one accident along with the two speeding tickets and the yearly cost of insurance for government employees goes up to an average of $4,615. That’s an increase of $1,898, or $158 per month, just for not driving carefully!

Find cheap auto insurance for government employees in West Virginia

The list below shows a few penny-pinching solutions that can help West Virginia drivers get lower-cost auto insurance.

• Buy a vehicle with excellent safety ratings
• If possible, do not file small claims
• Bundle home and auto and earn a discount
• Save money by obeying traffic laws and keeping a clean driving record
• Avoid accidents
• Keep rates low by shopping around frequently

That last piece of advice is especially significant, as we discussed in the article above. Coverage rates change constantly, so don’t be unwilling to switch companies if a cheaper rate is available.

Brand loyalty is great, but it’s not a good idea if that inflexibility results in costing you a considerable chunk of change every month. It only take a few minutes to compare prices to find cheaper insurance for government employees.

Who has the cheapest insurance quotes for state and federal workers?

There are many ways to find cheap insurance in West Virginia, but the most preferred are through an independent insurance agent, a captive (or exclusive) agent like Liberty Mutual or State Farm, or from a direct company like Geico. All three ways can provide insurance quotes, but it’s good to know the differences in how they give price quotes.

Independent agencies work with multiple companies and can do rate comparisons with every one. These types of agencies are not employed by one specific company and can compare multiple rates, which may provide you with improved odds of finding cheaper coverage. If you are not satisfied with one company, your policy can be easily switched to a new company and you can remain with the same agent.

An agent who is captive is only able to give rates for a single insurance company like Liberty Mutual and Allstate agents. These agents normally cannot provide rates from more than one company, so you will not be able to compare their rates to other companies.

The last way is buying direct, which means you skip an agent and instead buy buying direct from a company like Progressive or Esurance. Buying insurance direct is good for drivers who do not have a need for a risk management assessment and have an above average understanding of what coverage limits and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best to buy cheap auto insurance for government employees in West Virginia? Our initial answer would be buying from a direct company results in the cheapest price because there are no middleman commissions, but in reality, that argument does not hold true. A good argument could also be made that buying insurance from an independent agent results in the best rates since there are more companies to choose from, but that is not accurate either. In many cases, exclusive agents may have prices that other insurance companies cannot touch.

Since insurance prices vary so much, really the best method to get the cheapest rates is to compare rate quotes from as many companies as possible. Set aside the time to get quotes from all three in order to find the best price. We compiled a list of companies with some of the cheapest online rates that you can click here to view.