West Virginia Automobile Insurance

West Virginia automobile insurance offers individuals protection in the way of protecting their own interests if they are at fault in an automobile accident and also protecting themselves if in other types of accidents.

Even if you are not in an accident, being stopped by a law enforcement officer in West Virginia, he or she will ask for proof of your West Virginia automobile insurance. Failure to provide this proof can result in fines and/or a suspended license. In other words, not having the adequate protection can result in rather inconvenient consequences.

And with West Virginia being a tort state, having insurance coverage on your automobile is very important and not just because of the penalties that not being able to provide proof of insurance can cause. [1]. A tort state is a state that holds the "at fault" party responsible for an accident. This means that an automobile had better be covered or the driver may be sued for damages.

With this said, there are various aspects of insurance to be known so that you can make informed decisions about what kind of insurance policies will work for you and what you may want to add on to your policy so that you can have the most protection in case an automobile accident happens to you. Plus, it always helps to know how you can save money on your automobile coverage.

Rental Car Coverage

Many individuals wonder if their West Virginia automobile insurance will cover a rental car while their car is being repaired after an automobile accident. What some of these individuals find is that the rental car option is not something that is automatically made available to them on their policy. [2]

Since the average repair time for a car is two weeks, it can be difficult for a person to get around the way that they need to. They have to have transportation to and from work. For some, a family member can help with this or there may be a second car in the household, but there are many in West Virginia who don't have another car to fall back on. Their only option is to go to the car rental business and rent a car for approximately $500 during the repair period. [2]

By adding the rental car option onto your policy, you are able to rent a car for as long as you needed it without having to pay any more than what you've paid on your policy to have that option. You simply sign the designated paperwork and you then go to the rental car business and rent a car that will take you back and forth to work, as well as other locations you need to go to.

Getting Older

Getting older can also have an impact on your West Virginia automobile insurance. Getting older usually means saving money. For instance, turning 25 is going to save you money. If you're 25 and older, then you are going to pay less for insurance in West Virginia than you are if you are under 25. Those under 25 are considered to be high risk. If you have not had an accident by the age of 25, then you are going to save some money.

In many cases, the longer you go without an accident, the cheaper your policy may be. You may also be able to find special deals on your West Virginia automobile insurance if you are retired.

What Determines Policy Cost?

There are a number of factors that determine the cost of your West Virginia Automobile insurance. One way that you are going to be able to get an idea of what your policy is going to cost is by acquiring a West Virginia insurance quote. A quote simply gives you an idea of what you are going to pay.

The first deciding factor is your driving record. The better it is, the cheaper your West Virginia automobile insurance. The number of miles you drive may also factor in. A person who drives 25,000 miles a year is going to pay more than someone who drives 10,000. Local trends also factor in. The West Virginia neighborhood you live in may be evaluated based on accident trends, etc. The car you drive will factor in because of the safety ratings it may have. The better the rating, the better the rate you pay.[3]

The amount of West Virginia automobile insurance coverage is also going to factor in. The more coverage you have, the more money it is going to cost.[3] For instance, you may want to add on to the amount of liability coverage you have just to be safe.

No matter what factors are raising or lowering the cost of your West Virginia automobile insurance, saving money and adding convenience is more than a possibility.

[1] http://www.state.wv.us/wvsca/clerk/recent/ Retrieved 06/07/10.

[2] http://www.iii.org/articles/will-my-insurance-cover-renting-a-car-after-an-accident.html Retrieved 06/07/10.

[3] http://www.iii.org/articles/what-determines-the-price-of-my-policy.html Retrieved 06/07/10.

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