Cheap Charleston Auto Insurance

Cheap Car Insurance Charleston WV

auto insurance cheap
cheap auto insurance
Get Free Quotes HERE!
Enter Zip Code:

Are you wondering if you're paying too much for auto insurance in Charleston, WV? We can help!

Too many people are throwing away their hard-earned money by paying too much for their auto insurance. We can help you locate the lowest auto insurance rates in the Charleston area.

Enter your zip code in the box above, and we will provide you with quotes from multiple insurance carriers for Charleston, WV. Then you can compare for yourself. Don't waste your time on the phone with various agents. Sit back and relax. Let us get the quotes for you!

Moving? Unsure of Zip Code?


Insurance is a product that spreads the risks (of providing coverage) among individuals or groups. Insurance companies use data and statistics in an effort to predict the levels of risk for various individuals or groups. High risk factors will result in higher premiums, while lower risk factors will cause premiums to be lower.

Insurance companies take into account multiple characteristics in order to determine the amount of premium that an individual will be required to pay. Several factors play a part in the final premium you are quoted. Things such as where you live, your driving record, and your age are all important factors which are used.

WV Minimum Requirement Coverage

It is illegal to drive any registered motor vehicle in West Virginia without insurance. Motorists must carry proof of insurance (WV-1 Certificate of Insurance) in the vehicle at all times.

The required minimum limits for Bodily Injury Liability Coverage are $20,000 per person (injured in any one accident) and $40,000 for all persons injured in any one accident.

The required minimum limit for Property Damage Liability Coverage is $10,000 for damage to the property of others in any one accident.

Factors That Determine Car Insurance Rates

(a) Your driving record -
This factor will affect your premium rates the most. Any "at-fault" accidents and/or convictions for moving violations within the 3-year period before your application or renewal will tremendously affect your cost.

(b) Vehicle use -
The more you use your automobile, the higher your premium will be. If your vehicle is rarely used, you will definitely pay less than if you drive 20 miles to work each day.

(c) Type of vehicle -
The style of your vehicle, the likelihood of theft, and the cost of repair or replacement will all affect your premium. Of course, a sports car will raise your rates more than a 4-door family car will.

(d) Where you live -
The number of accidents and claims, as well as the road conditions in your area, the vehicle density, and the population are factors that affect to your total premium rates.

Did You Know?

In 2010, there were 592 auto thefts in the Charleston, WV metropolitan area.

This figure is provided by the NICB (National Insurance Crime Bureau.)

Review / Update

Make sure that the facts used for your premium are accurate. Review your policy regularly. Check these areas, then update your policy if needed. These factors may affect your premium.

Have you ...

* * Replaced an older auto with a newer one
* * Added or removed an auto from your policy
* * Added or removed a driver
* * Increased or decreased miles driven

Insurance Classifications:

In determining rates for an auto insurance policy, insurance companies divide drivers into categories known as "classifications."

Various characteristics are used to classify drivers. Some of those are:

(a) gender,
(b) age,
(c) driving record,
(d) marital status,
(e) former insurance record,
(f) where the vehicle is garaged, and
(g) annual miles driven.

History has proven that drivers with certain characteristics are much more likely to be involved in an accident. So, drivers in those classifications will be charged higher rates.

While you can NOT control your age or gender, you certainly CAN take responsibility for your driving record and the type of automobile you drive.

Save Money
On Auto Insurance

(1) Increase your deductibles to reduce your premium

(2) Pay annually or semi-annually, not monthly

(3) Eliminate any coverage you don't need

(4) Get quotes from various companies

Thanks for visiting our site. Be a good consumer. Prepare yourself with information about auto insurance in Charleston so you can make a wise decision. Remember: Enter your zip code in the box above to obtain the quotes you need, then purchase a policy that's right for you! Using the Internet is the quickest and easiest way to compare premium rates from multiple auto insurance companies in Charleston WV.
cheap auto insurance west virginia

Cheap Full Coverage Car Insurance

Cheap Liability
Auto Insurance

Cheap Insurance Tips

Auto Insurance Agents/Agencies In Charlleston, WV:

Ficon Bush Insurance Agency
701 Virginia St W
Charleston, WV 25302

Harless Insurance Agency
600 Technology Dr
Charleston, WV 25309

Asseff Insurance Agency
4430 Kanawha Tpke
Charleston, WV 25309

Dorsey Ins Agency Inc
509 50th St SE
Charleston, WV 25304

Ellis R Paige Insurance Agency
7125 Sissonville Dr
Charleston, WV 25320

Swor Insurance Agency
1618 Bigley Ave
Charleston, WV 25302

Wayne Smith Insurance
105 Circle Dr
Charleston, WV 25313

Duvall Insurance
5352 Big Tyler Rd
Charleston, WV 25313

Britton Insurance
6820 Sissonville Dr #4
Charleston, WV 25320

Scott Erwin Insurance Agency
5160 Washington St W
Charleston, WV 25313

New England Financial
1206 Kanawha Blvd E
Charleston, WV 25301

State Farm Insurance
1700 Maccorkle Ave SE
Charleston, WV 25314

Williams Insurance Agency
5623 Maccorkle Ave SE Suite 4
Charleston, WV 25304

Affinity Insurance Group
229 6th Ave
Charleston, WV 25303

Barry Alan Hunter
1434 Greenbrier St
Charleston, WV 25311

City Insurance Professionals
3601 Maccorkle Ave SE
Charleston, WV 25304

Shores Hoppy Agency
804 Kanawha Blvd E
Charleston, WV 25301

Lewis Garlow & Assoc. Ins Agency
5386 Big Tyler Rd
Charleston, WV 25313

cheap auto insurance West Virginia | West Virginia Auto Insurance Resources | cheap car insurance | Cheap West Virginia Auto Insurance | auto insurance agents | discount auto insurance | Copyright 2004 - 2012. Cheap Auto Insurance Featuring cheap auto insurance in Charleston WV All Rights Reserved Worldwide.

privacy policy