How to find the best car insurance in West Virginia
A well-tailored car insurance policy can provide peace of mind — and vital financial protection — if you’re involved in an accident. However, with so many providers to choose from, finding the best auto insurance in West Virginia may seem daunting. Bankrate can help. In our experience, you might find the process a little easier if you keep the following considerations in mind:
Consider minimum insurance requirements in West Virginia
Almost every state requires its drivers to maintain a certain level of liability insurance to drive on public roads, and West Virginia is no exception. Although it’s impossible to buy a West Virginia car insurance policy that fails to meet the state minimum limits, knowing what those limits are can help provide a baseline when you’re building your coverage package.
Consider lender requirements
When you finance or lease a car, your lender will almost certainly require you to carry comprehensive and collision, and it may set a maximum deductible limit on these coverage options (usually $500 or $1,000). Drivers who lease usually have additional liability insurance requirements to meet, too. Until you own your vehicle outright, your lender has insurance interest. In other words, your lender wants to ensure that your vehicle will be repaired after a claim since it technically owns the car. If you’re considering purchasing a new car, budgeting for insurance is essential — chances are, your rate may increase (especially if you currently carry a liability-only policy).
Consider your individual needs
The best car insurance policy is specific to your needs, and West Virginians have some unique considerations regarding coverage options. With its rural, mountainous roads, West Virginia is rugged. While this may lead to scenic drives, it could also present a problem if you break down on the side of the highway. As such, West Virginians may want to consider adding emergency road service. Depending on where you live, you may have limited access to public transportation which means that rental car reimbursement could be helpful to have. Although these endorsements will likely cost extra, the expense may be worth it.