Best Cheap Car Insurance Quotes for Drivers Over Age 70 in West Virginia

When shopping for cheaper insurance for older drivers, one of the many considerations that help determine auto insurance rates is where you keep your vehicle. Cities that have higher claim levels or more people like Bluefield, Princeton, and St. Albans tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.

The information below displays the highest-priced areas in West Virginia for drivers over age 70 to buy auto insurance in.

Annual rates are approximated as the specific zip code location can influence premium rates greatly.

The make and model of vehicle that is being insured is probably the biggest factor that determines whether or not you find cheap coverage for drivers over age 70. Vehicles with limited top-end speed, advanced safety features, or low incidents of liability claims will cost significantly less to insure than higher performance models. The list below showcases coverage prices for a handful of the most cost-effective automobiles to insure in West Virginia.

Data rating is based on married female driver age 70, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in your specific West Virginia location which can decrease or increase coverage rates noticeably.

Based upon the rates shown, we can tell that makes and models like the Honda CR-V, Ford Escape, Ford Edge, and Honda Accord are going to be some of the cheapest vehicles to insure for older drivers. Auto insurance rates will be more expensive just because there is more risk for drivers over age 70, but in general those specific models will most likely have the cheapest rates possible.

Figuring out which company offers the cheapest auto insurance rates for drivers over age 70 calls for a bit more effort in order to find a policy that fits your budget.

Each insurer uses a different method for establishing rates, so we’ll go over the auto insurance companies with the overall best prices in West Virginia. It’s a good idea to be aware that West Virginia auto insurance rates are determined by lots of factors that can increase the price you have to pay. Simply having a birthday, moving across town, or getting a DUI may generate price changes resulting in some rates now being cheaper than competitors.

Lowest Insurance Price Quotes for Age 70+

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Erie has some of the most affordable car insurance rates in West Virginia at around $931 annually. The Hartford, State Auto, USAA, and Westfield would also be considered some of the cheaper West Virginia car insurance companies.

As the example above demonstrates, if you are currently insured with The Hartford and switched to Erie, you could see an annual premium reduction of around $98. Customers with State Auto could save as much as $298 a year, and USAA policyholders might lower prices by up to $356 a year.

Bear in mind that those policy prices are averages across all drivers and vehicles and do not take into consideration a rate increase for drivers over age 70. So the insurer that is best for you may not even be in the company chart above. That points out the importance of why you need to get quotes using your own driver information and specific vehicle type.

The diagram below demonstrates how deductible levels can increase or decrease annual premium costs when getting quotes for cheap insurance for drivers over age 70. Data assumes a married male driver, full coverage, and no discounts are taken into consideration.

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In the chart above, a 50-year-old driver could lower their car insurance rates by $356 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $540 by switching to a $1,000 deductible. Young drivers, like the age 20 example, could shave $1,192 each year by choosing larger deductibles on their policy.

When insureds make the decision to increase the deductibles on their policy, it will be required to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Progressive, Geico, Allstate, and State Farm: Who is cheapest?

If you want reliable car insurance, four companies to definitely compare rates with are Progressive, Geico, Allstate, and State Farm. If you add them together, they insure almost half of all auto insurance written. The data below rates some of the ratings and options that are available for buyers.