Saturday, December 20, 2014

West Virginia Car Insurance




West Virginia Car Insurance: Simple

WV Auto Insurance Guide

It is mandatory for car owners to have car insurance in the state of
West Virginia. You also need to carry a proof of car insurance while
driving in WV. The Tort system is followed in the state of West
Virginia, which means that the driver of the car is financially
responsible for damage to property and injuries caused to any other
party due to his/her negligence or fault.
The minimum liability coverage required to satisfy this responsibility
is often referred to as 20/40/10: $20,000 to cover the expenses for
bodily injuries per individual, $40,000 to cover for bodily injuries
caused to all, and $10,000 to cover for property damage to the victim.
A minimum Uninsured/Underinsured Motorist coverage of $25,000 per
individual to a total of $50,000 per accident for bodily injuries caused
by an uninsured/underinsured driver's negligence is also required in
West Virginia.
If you require further information on WV auto insurance policies, you
can contact West Virginia Offices of the Insurance Commissioner by
calling 1-888-TRY-WVIC or by visiting their website at http://www.wvinsurance.gov.
It is recommended to first get free quotes to see what’s available to
you before you select and purchase a policy. A car insurance policy is
something which every driver needs. Car drivers also want the premiums
to be affordable. Therefore, we have a complied an easy to follow tips
to get cheap insurance quotes in the state of West Virginia.

Credit Score

You can get cheap insurance quotes from car insurance companies by
keeping your credit history clean. Insurance companies decide the rate
of your policy by checking your credit history. This is available via
credit scoring agency who provide this data to most financial
institutions. If your history is not satisfactory, it is recommended you
find companies that do not resort to credit checks.

Driving Courses

You can get cheap insurance quotes by taking driving courses. Insurance
companies believe that drivers who have taken a specialized driving
course, such as defensive driving are safe drivers and less likely to
get into an accident.

Combine Car and Home Policies

You can obtain a discount by buying your home and car insurance from the
same company. A 5-20% discount is offered for a combined policy.

Security System In your Car

Cars insurance companies offer discounts on cars that are less likely to
be stolen. Many pay more for their auto insurance simply because the
car module they drive is on the top stolen vehicles in their states or
in U.S.

Comprehensive Storage Cover

It is recommended to keep just the comprehensive coverage if you’re not
planning to use your car for a long time. If a car is not used often, it
will not need liability coverage, as it is less likely to get into an
accident.

Location and Miles Per Year

Your address is an important factor in on your insurance rate will be.
If you live in an area when low crime rate, you can get your a cheap
insurance quote. It is also recommended that you move near your
workplace or college/school to reduce the mileage of the car. Cars that
have ‘traveled less’ are given discounts by insurance companies.

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