Getting the ideal car insurance policy can sometimes be an overwhelming process, particularly with the myriad of options available. As drivers, it’s ignorant to believe that all auto insurance policies are exact, and that’s what has been keeping many from looking out for various options. Many drivers get to see an advert or get a quote from popular insurance companies and come to the conclusion that they’ve found the best offering.
This is because most of the time, the factor many drivers consider is the cost of the insurance coverage. However, that shouldn’t be the case. As much as cost is a factor to consider, it shouldn’t be the sole factor to consider when opting for insurance coverage. Instead, one should consider all the available offerings from insurance companies as well as several determining factors.
In every city in the United States, several insurance companies offer cheap auto insurance in Fairmont, WV. And as a driver in Fairmont, WV, the objective is to analyze and assess what makes one auto insurance policy cheaper than the other.
There are various types of incentives, discounts, and coverage options that influence the cost of auto insurance in Fairmont, WV. At this stage comes personal research. To understand better why you should choose one auto insurance coverage over another, you need to carry out individual research. Asides from the factors mentioned above, the type of policy, make and model of vehicle, coverage limits, insurance company, and where you reside also influence the cost of car insurance.
The Best And Cheapest Car Insurance Companies In Fairmont WV
Finding the ideal auto insurance coverage at the most affordable price in Fairmont, WV compels one to know the minimum auto insurance limit of the state. Not just that, one also needs to have a better understanding of when to opt-in and go for an optional coverage investment.
Drivers within the state also need to compare insurance quotes from various insurance companies. Studies report that the most expensive policy is usually 2.3X costlier than the cheapest car insurance policy in Fairmont, WV. This reality underlines the basis of comparison when shopping for the best auto insurance rates.
The insurance companies that offer the best and cheapest auto insurance in Fairmont, WV are:
| Rank | Company | Annual Payment |
| 1 | USAA | $685 |
| 2 | Geico | $792 |
| 3 | Nationwide | $978 |
| 4 | Erie | $1,179 |
| 5 | Plymouth Rock Assurance | $1,245 |
| 6 | The Hartford | $1,287 |
| 7 | Progressive | $1,362 |
| 8 | Travelers | $1,485 |
| 9 | CSAA | $1,564 |
| 10 | Liberty Mutual | $1,635 |
| 11 | New Jersey Manufacturers | $1,687 |
| 12 | Allstate | $1,784 |
| 13 | Farmers | $1,893 |
| 14 | Plymouth Rock Assurance | $1,971 |
Average Cost Of Car Insurance In Fairmont WV
In Fairmont, WV, auto insurance costs an average of $1,645. It is essential to note that this average cost should serve just as a baseline for how much your policy could cost.
It depends on the auto insurance company you choose; your monthly premiums could either be lower or higher than the average cost. Your insurance company considers factors like gender, age, driving record, make, and model of vehicle to compute your insurance quote.
Fairmont Auto Insurance Requirements
Every registered vehicle in Fairmont, WV is required by the state to be insured by an insurance policy that offers at least one of these subsequent amounts of coverage;
A $25,000 liability coverage for death or bodily injury of one individual in a car accident caused by drivers or owner of the insured automobile.
A $50,000 liability coverage for death or complete bodily injury in a car accident caused by the driver or owner of the insured automobile.
A $25,000 liability coverage for damage to property for each accident caused by the driver or owner of the insured automobile.
Liability coverage reimburses the property damage bills, medical bills, and additional costs of passengers, pedestrians, and drivers who have their vehicle damaged and body injured in the auto crash you cause. However, this coverage only applies up to the coverage threshold.
As the case may be, you can carry more coverage to insure yourself in the event of a ghastly accident that results in considerable car damage and bodily injury. Once the coverage threshold is reached, you’re personally responsible for all costs and expenses. What it means is that higher insurance coverage limits help protect drivers’ assets and finances in a severe accident.
Your insurance coverage is triggered if one of your family members is behind the wheel or if you authorize another person to drive the vehicle. Your coverage will also probably cover you if you crash with a rental car.
It is important to note that liability coverage does not apply to vehicle damage and bodily injury after an auto crash. To cover for this, you will need additional coverage.
How To Get Cheap Car Insurance Quotes In Fairmont WV?
Maintaining a spotless driving record is the best way to earn the most affordable auto insurance in Fairmont, WV. Insurance companies in Fairmont, WV, generally reward low-risk drivers with the lowest rates and premiums. So it’s best to be of good driving behavior by avoiding crashes, DUIs, and speeding tickets.
Maintaining a Clean Driving Record For Several Consecutive Years
Having a clean driving record is the best way to earn yourself a very cheap auto insurance rate. If you get involved in an auto crash, convicted with DUI, or cited for a traffic violation, your insurer will see you as a high-risk driver. These violations only lead to higher insurance premiums.
Below are few tips that can assist you in maintaining a clean driving record;
- Obey all traffic regulations.
- Don’t drive under the influence of alcohol and drugs.
- Reduce time spent behind the wheel as it helps to lessen the risk of getting involved in a crash or convicted for a traffic violation.
- Maintain and service your automobile to reduce the risk of accidents.
Ask about discounts
Insurance companies in Fairmont, WV usually offer a wide range of discounts and incentives which considerably lower insurance premiums for clients who;
- Stack auto insurance policy with other policies like homeowners insurance.
- Use a single policy to insure multiple cars.
- Maintain a clean driving record.
- Make a payment of a six-month or the entire year premium at once.
- Consent to getting documents online.
- Have a vehicle with specific safety measures and anti-theft
- Belong to an affiliate group or specific organizations.
Don’t get carried away by possible discounts from auto insurance companies, and forget to compare insurance rates. Always compare rates!
Purchase A Vehicle That Is Cheapest To Insure
The model, make and year of your automobile have a significant impact on your car insurance rates. It is so because different automobiles have different rates of theft and accidents. What it means is that a car can be more of a liability to insure than another.
Therefore, you should buy a vehicle that is hardly involved in a car crash or claims. The cars that are cheapest to insure usually fall in the category with less horsepower. Low horsepower usually translates to having a lower chance of getting involved in a crash or accident.
Increase Your Deductibles
When shopping for auto insurance in Fairmont, WV, drivers have the luxury of choosing a deductible. A deductible is the number of money one is willing to pay before the insurance policy is triggered.
Depending on the auto insurance policy, deductibles usually range between $250 and $1000. The idea behind deductibles is that the lower the deductible, the higher the yearly rate. The higher the deductibles, the lower the insurance premium.
You should contact your insurance agent to inquire how raising your deductibles can affect your insurance premiums. It can either make your annual rate better by multiple percentage points or make your yearly rate percentage points minimal. For drivers skeptical about filling for a minor claim to avoid increased premiums, increasing deductibles may be a better option.
Consider Switching
By evaluating premiums, you get to understand why insurance quotes from an insurer vary to the next. And in most cases, an insurer that offers the best auto insurance for a specific condition changes over time. This change is why it is essential to always compare quotes.
Frankly, it’s pretty easier to stay with one insurer. However, if you want to save considerable money, you need to compare quotes and move to the next best insurer continuously. Comparing quotes is crucial once you notice a significant increase in your premiums after a traffic violation, DUI conviction, or car crash.
Opt For Less Car Insurance Coverage
Going for a lesser auto insurance coverage would lessen your insurance rates. However, do so with care. With less insurance coverage, you have to be vigilant and attentive when driving. All it takes is a split second of distraction, and a ghastly auto accident can occur.
In the situation where you get into an accident while having less car insurance coverage, you might wind up being in debt. This is because less insurance coverage doesn’t offer a high coverage limit. Therefore, it is always best to buy liability coverage that goes beyond Fairmont, WV minimum limits. That’s not all, and one should also purchase uninsured motorist coverage that goes hand in hand with the liability coverage.
If you are about to renew your car insurance policy, you should consider applying these tips to get a good chance at securing the cheapest car instance in Fairmont, WV.
Fairmont WV Car Insurance For Drivers With A Good Record
To maintain a clean driving record, you have to money all traffic regulations. Follow road signs and speed limits, put on your seat belt. Avoid driving while distracted. Always keep your car well services and maintained, clean, and smoothly running.
Below are Fairmont, WV insurance companies that offer the cheapest insurance rates to drivers with good credit histories and clean driving records.
| Insurance Company | Full Coverage |
| Erie | $1,862 |
| Amica Mutual | $1,975 |
| National General | $2,184 |
| Progressive | $2,279 |
| Allstate | $2,381 |
| Plymouth Rock Assurance | $2,462 |
| CSAA | $2,587 |
| Geico | $2,641 |
| Dairyland | $2,689 |
| MetLife | $2,765 |
Also, drivers without any recent traffic violations or car crashes can earn affordable auto insurance rates for maintaining good credit. Regarding credit history and driving record, most drivers in Fairmont, WV, are closer to this category. Drivers with good credit scores and clean driving records can opt for standard insurance coverage and comprehensive and collision coverage.
Fairmont WV Cheap Car Insurance Quotes For Young Drivers
Insurance companies charge higher premiums on young and teenage drivers as they are regarded as high risk. In Fairmont, WV, the average yearly cost of a full auto insurance coverage policy is around $6,839. This insurance rate is 225% higher than the insurance premiums charged for older drivers.
To get the cheapest car insurance for young drivers in Fairmont, WV, search for teenage driver programs and discounts while also considering the model and make of car your teen will drive.
If you want the best and most affordable car insurance in Fairmont, WV, then Erie or State Farm is your best bet.
| Company | Annual Payment |
| State Farm | $2,365 |
| Erie | $2,472 |
| Allstate | $2,689 |
| CSAA | $2,745 |
| The Hartford | $2,789 |
| Nationwide | $2,861 |
| Travelers | $2,975 |
| Progressive | $3,187 |
| Liberty Mutual | $3,285 |
Young and teenage drivers may need to receive and compare many insurance quotes to get the cheapest car insurance. Insurance premiums are always on the high side for young drivers but lesser for drivers with more experience behind the wheel. Nonetheless, some insurers sometimes offer cheap insurance premiums for teenage and young drivers, so it’s best to look around for such.
Cheapest Minimum Coverage For Young Good Drivers In Fairmont WV
In Fairmont, WV, the average cost of auto insurance coverage for young drivers is around $94 monthly or $1,132 annually for minimum insurance coverage.
Young drivers looking for the cheap average rates and opting for just the state’s minimum coverage can check with the insurers below.
| Company | Annual Payment |
| Geico | $1,142 |
| Erie | $1,187 |
| Progressive | $1,265 |
| Travelers | $1,342 |
| CSAA | $1,389 |
| Plymouth Rock Assurance | $1,461 |
| Encompass | $1,537 |
| Westfield | $1,586 |
| Nationwide | $1,675 |
Cheap Car Insurance In Fairmont WV After For A Speeding Ticket
A lot of insurers consider drivers with speeding infractions as high-risk drivers. As a result, getting a speeding ticket will increase your insurance premiums. However, the rate of increase depends on your insurance company. In most cases, previous driving records will also be put into consideration. So it’s vital to note that if you’re issued a speeding ticket, your rates could increase significantly even without being involved in a crash.
After getting a speeding ticket, the best line of action is to get quotes from various insurers and compare their rates to get the cheapest rate after a citation. Auto insurance companies in Fairmont, WV that offers the most affordable rates to drivers with speeding tickets are:
| Company | Annual Payment |
| Erie | $1,365 |
| Geico | $1,489 |
| Nationwide | $1,561 |
| CSAA | $1,635 |
| MetLife | $1,687 |
| Progressive | $1,752 |
| Westfield | $1,846 |
| State Farm | $1,891 |
| Allstate | $1,965 |
In Fairmont, WV, minor violations such as speeding tickets can increase your auto insurance rates. Drivers with speeding tickets on average pay about $1,365 annually instead of the $1,089 drivers without speeding tickets pay.
Cheap Car Insurance In Fairmont WV After A Car Accident
Among the insurance companies in Fairmont, WV, drivers with auto accident history can get affordable full coverage car insurance quotes at Erie, Westfield, and State Farm.
These insurance companies mentioned above charge an annual rate of $2,187 which is 27% lower than the state average.
Drivers with an auto accident history are profiled as high-risk drivers. Hence, insurance premiums are quite on the high side for such drivers.
The following is a list of an insurer that offers cheap auto insurance premiums to drivers with accident history:
| Company | Average Rate |
| Erie | $2,189 |
| Westfield | $2,265 |
| State Farm | $2,371 |
| Allstate | $2,489 |
| Travelers | $2,536 |
| CSAA | $2,587 |
| Plymouth Rock Assurance | $2,692 |
| Nationwide | $2,741 |
| MetLife | $2,789 |
| Encompass | $2,896 |
Drivers who are at fault for the auto crash usually get the highest insurance rates, and in most cases, insurers cancel the insurance policy of such drivers. This is because drivers with at-fault accidents are high-risk drivers, and no insurer wants to take such risk.
However, there is an option for at-fault drivers to reimburse for the accident forgiveness. However, that is dependent on the insurance company.
Cheap Auto Insurance Quotes In Fairmont WV After A DUI
Drivers having serious traffic infringements like DUI are considered by insurance companies as the riskiest to insure. The annual average rate for drivers with a DUI in Fairmont, WV, is around $1,895.
Even though it’s quite expensive, you can still find insurers with relatively cheaper insurance rates in Fairmont, WV. These insurers include:
| Company | Annual Payment |
| Progressive | $1,895 |
| State Farm | $1,951 |
| MetLife | $2,163 |
| Travelers | $2,289 |
| CSAA | $2,362 |
| Geico | $2,435 |
| Erie | $2,487 |
| Allstate | $2,561 |
| Nationwide | $2,684 |
Each state in the United States has different punishments put on DUI offenses. In Fairmont, WV, DUI offenders can serve up to six months in prison while also paying a fee of $1,000. That’s not all; DUI offenders also get to have their driving license suspended for 20 to 45 days.
According to data from the Centers for Disease Control and Prevention, about 827 died in an accident involving a drunk driver in West Virginia between the years 2009 and 2018.
If cited with a DUI, a driver’s insurance rate increases significantly and could even double overnight and could be like that for a very long time. Calling for free insurance quotes and comparing insurance rates can help you find affordable car insurance in Fairmont, WV.
Cheap Auto Insurance Quotes In Fairmont WV For Minimum Coverage
The minimum liability coverage is the cheapest auto insurance one can purchase in Fairmont, WV. It offers limited coverage to drivers and only fulfills the state’s minimum auto insurance regulations.
If you are looking for a cheap auto insurance company, you can check out the list below:
| Company | Annual Payment |
| Geico | $489 |
| Erie | $562 |
| USAA | $641 |
| Travelers | $695 |
| Farmers | $736 |
| The Hartford | $789 |
| Progressive | $841 |
| Nationwide | $895 |
| State Farm | $973 |
The figures above are computed average prices for minimum liability coverage in Fairmont, WV. So ensure you only make use of it as a basis for when you compare insurance quotes among insurers.
Please note that the minimum liability coverage in West Virginia offers property damage and bodily injury liability insurance. Not just that, it also offers coverage for underinsured/uninsured motorists. Even though it’s the most affordable, you should consider full insurance coverage if you need more protection.
Cheap Car Insurance Companies In Fairmont WV For Drivers With Bad Credit Score
Having a good credit score goes a long in reducing your insurance premiums. Therefore, drivers with good credit scores pay less compared to drivers with bad credit scores. In Fairmont, WV, drivers with good credit scores pay an average of $1,127 on insurance coverage annually, while drivers with bad credit scores pay about $1,582 annually.
| Company | Annual Payment |
| USAA | $1,582 |
| Nationwide | $1,679 |
| Geico | $1,782 |
| Progressive | $1,864 |
| Travelers | $1,971 |
| CSAA | $2,165 |
| Erie | $2,287 |
| Allstate | $2,361 |
In 2019, it was reported that residents of Fairmont, WV have an average credit score of 687, which is considered good. As a driver with a bad credit score, it is vital you know how your credit score can affect your insurance rates. A lot of insurers in Fairmont, WV, consider a bad credit score as proof of poor financial commitment; hence they increase their insurance rates. This is to protect themselves and hold drivers responsible as the situation may apply.
As a driver with bad credit looking to get cheap insurance coverage in Fairmont, WV, you need to know how to first increase your credit score. By doing so, you get to improve your chances. However, it usually takes a long period. So, if you need to get that insurance quickly, you can make inquires from insurers if they evaluate credit information when calculating insurance rates. By finding an insurer that doesn’t, you have a better chance at getting cheap auto insurance coverage.
Fairmont WV Cheapest Car Insurance Companies For Seniors
Generally, senior drivers have the cheapest auto insurance coverage compared to other age groups. However, for senior drivers, rates begin to increase with the increase in age. To get the most affordable car insurance rate for seniors, senior drivers must take advantage of discounts specially designed for senior citizens.
| Company | Annual Payment |
| State Farm | $789 |
| Geico | $861 |
| Nationwide | $1,273 |
| Progressive | $1,365 |
| Allstate | $1,482 |
| CSAA | $1,561 |
| Encompass | $1,679 |
| MetLife | $1,746 |
| Erie | $1,789 |
In the process of shopping for the best car insurance coverage for seniors, have it at the back of your mind that senior drivers face distinct challenges with age. Ideally, the driving experience is earned with more time spent behind the wheel and with age. However, with physical impairments such as blurred vision, slower reflexes, low attention span setting in senior drivers, they pose a high risk. Hence, insurers consider senior drivers as high-risk drivers, and rates tend to increase with age.
Research from the National Highway Traffic Safety Administration shows that 16.1 of fatal auto crashes in West Virginia were caused by drivers above the age of 65 in 2017. The cause of these fatal accidents can be linked to the physical impairments that come with age, hence the reason for high insurance premiums for senior drivers.
Insurers evaluate the unique physical impairment faced by a senior driver, gender, age, previous driving record, and so on to determine a personalized insurance rate. Don’t forget to compare quotes when shopping for the best insurance coverage for senior drivers.
Who Offers A Cheap Car Insurance In Fairmont WV For Married Couples?
I’m Fairmont, WV; married couples tend to pay more insurance premiums on their vehicles compared to singles. It is a fact that insurance policy for married couples attends to more than one driver. Also, married couples usually have more than one car, and they could have some young drivers banking on the policy as well.
The average insurance cost for married couples in Fairmont, WV, is usually around $192 monthly, while drivers that are single pay around $135 monthly.
The following table further displays the most affordable auto insurance rates for married couples with at least two vehicles on an insurance policy.
| Company | Married Couple Rates |
| Allstate Insurance | $2,281 |
| Progressive | $2,489 |
| Westfield | $2,573 |
| Travelers | $2,684 |
| Allstate | $2,791 |
| Plymouth Rock Assurance | $2,863 |
| Nationwide | $2,971 |
| State Farm | $3,165 |
| Erie Insurance Group | $3,287 |
Fairmont WV Car Insurance Rates By Age
Generally, auto insurers charge higher insurance rates for young and teenage drivers compared to older drivers. This is because insurers see young drivers as unskilled and therefore pose a bigger risk of getting into a car accident. Teenage drivers are usually drivers in the age bracket 16 to 19 in the state of West Virginia. They get to pay an insurance rate of an average of $261 monthly, while older drivers (drivers in their 40s) pay an average insurance rate of $134 monthly.
| Age | Avg monthly rate |
| 16-20 | $261 |
| 20s | $159 |
| 30s | $109 |
| 40s | $114 |
| 50s | $105 |
| 60s | $107 |
| 70s | $125 |
| Over 80 | $165 |
What Are The Different Types Of Fairmont Auto Insurance Coverage?
Most drivers behind the wheel know how vehicle insurance works, but just a few are familiar with the various types of auto insurance coverage—as a driver shopping for the best auto insurance coverage, knowing the various types of coverage helps to keep you in the right direction. The following are some of the standard auto insurance types you can opt-in for in Fairmont, WV.
Original Parts Replacement
In the event of an accident, the original parts replacement coverage assures drivers of getting original car parts produced by the car manufacturer.
Liability coverage
Most States in the United States, including Fairmont, WV, compel drivers to purchase liability coverage before they can drive a car. Liability coverage helps to ensure bodily injuries and damage to others’ property for an at-fault-covered accident.
Comprehensive insurance
Comprehensive insurance offers additional insurance in the event of a car crash that involves another car. The insurance also helps to cover damages to your vehicle apart from collisions such as vandalism, bad weather conditions, and collisions with wild animals.
Collision insurance
Collision coverage policy offers coverage to damages to your vehicle in the aftermath of an accident that involved another vehicle. It may also assist in replacing or repair a covered automobile.
Underinsured motorist insurance
Due to cost, a lot of drivers opt-in for the minimum liability coverage, which usually does not offer adequate insurance. Underinsured motorist insurance protects drivers in the situation where there’s a collision with another driver whose policy does not adequately cover the expenses.
Uninsured motorist insurance
Uninsured motorist insurance ensures both the driver and the vehicle against accidents such as hit and run and uninsured drivers. The uninsured motorist coverage is usually paired with the underinsured motorist insurance.
Major Parts Replacement Coverage
Major parts replacement coverage helps pay for the replacement of major parts such as brakes, tires, headlamps, batteries, and so on, irrespective of depreciation or wear and tear at the time of the collision.
Gap insurance
The value of a vehicle can depreciate rapidly. As a result, a car insurance settlement usually isn’t enough to pay up the payment of a loan. In this case, the gap in insurance coverage may come to the rescue. Gap insurance assists drivers in paying up the payment owed on an auto loan after theft or loss.
Towing and labor insurance
Towing and lookout insurance comes along with comprehensive auto insurance. It reimburses drivers for the tow and labor expenses incurred in repairing their automobiles.
Rental reimbursement insurance
Getting around usually becomes a problem after a car accident. Rental reimbursement coverage assists in paying for rental car services if you can make use of your vehicle after a car accident.
Classic car insurance
Classic car insurance offers unique insurance coverage modeled specifically for the distinct needs of classic and vintage car collectors.
New Car Replacement
The new car replacement coverage reimburses the value of a brand-new car of exact model and makes excluding the deductible in the situation ever your vehicle declared a total loss.
Roadside Assistance
By purchasing a premium or basic roadside assistance package, drivers in Fairmont, WV, enjoy extended flat tire and towing services.
Medical payments coverage
Medical expenses that come with an accident can be on the high side. The medical payment coverage assists in reimbursing medical expenses resulting from a covered accident irrespective of who’s at fault.
Personal injury protection insurance
Personal injury protection insurance ensures loss of income and specific medical costs relating to a covered accident. Personal injury protection insurance can also insure up to 80% of medical expenses and other costs from a covered accident, depending on the coverage limit.
Is Fairmont WV Auto Insurance A No-Fault?
There are some very fundamental things one must know as a driver in Fairmont, WV. One of those is that the state follows a conventional fault-based insurance system. This regards the financial responsibility for expenses and losses resulting from an auto accident. Losses such as lost income, bodily injuries, damaged vehicles, and lots more.
This implies that the driver responsible for an auto crash is responsible for the resulting bodily injuries and damage of vehicles from the car crash. Hence, drivers carrying the at-fault auto insurance are covered from these expenses and losses up to the coverage threshold.
Victims of auto accidents, are it bodily injuries or property damage in Fairmont, WV, can go about claiming for reimbursement in three ways:
- Making a case with his or her insurer being sure that the loss is insured under the policy. In a case like this, the victim of the auto crash usually seeks a subrogation claim against the insurer of the at-fault driver.
- Making a third-party case or claim directly with the insurer of the at-fault driver.
- Making a lawsuit for personal injury lawsuit in a civil court against the driver who’s at fault.
Please note that in states with no-fault auto insurance, the victims of such accidents don’t have a similar range of options. After an auto crash in a no-fault state, it’s best to trigger the personal injury insurance coverage from your insurer to reimburse all expenses and losses. This should pay regardless of who’s at fault for the accident.
The exception to this is if your injuries are very severe. That’s when it’s ideal to file a claim against the at-fault driver. However, as a driver in Fairmont, WV, you don’t have to concern yourself with the no-fault insurance coverage.
Does Motorcycle Insurance In Fairmont WV Have The Same Coverage As Car Insurance?
Motorcycles are generally different from vehicles and automobiles, so their insurance needs are not that different from each other. Vehicle and motorcycle insurance are both modeled to offer coverage to the vehicle, driver, passenger, and other individuals on the road in the event of an accident.
Insurance coverages that apply to both motorcycles and vehicles in Fairmont, WV include:
- Comprehensive Coverage: Comprehensive insurance offers coverage to motorcycles and vehicles for damage incurred due to vandalism, theft, natural disasters such as wind, hail, and fire.
- Collision Coverage: Collision coverage offers insurance for damages to motorcycles and vehicles as a result of a collision with another object or vehicle
- Liability coverage: Liability insurance provides insurance to bodily injury and damage to property the driver is responsible for while driving the covered motorcycle or vehicle.
- Medical Payments Coverage: Medical payments insurance pays for medical costs and expenses for both the passengers and the driver in the event of a car crash, irrespective of who’s at fault.
- Uninsured/Underinsured Motorist: Uninsured coverage offers reimbursement for accidents involving a driver without insurance or minimum liability insurance.
Required Coverages
Motorcycle and vehicle insurance requirements are usually state-dependent. For some states, no minimum requirement for motorcycle insurance is stated. However, in other states, both the vehicle and motorcycles insurance requirements are usually the same. Most of the time, it is required that motorcyclists and drivers carry a minimum.
- Property damage liability of $25,000
- Bodily injury liability per individual of $30,000
- Bodily injury liability per auto crash of $60,000
Differences in Coverages
There are few differences in the insurance coverage offered to motorcyclists when compared to car owners. Generally, motorcycles are more customizable compared to how vehicles can be customized. This includes the addition of sidebars and the wearing of safety gadgets such as knee pads and helmets. This allows motorcyclists to purchase extra coverage to ensure these gears and upgrades from damage or loss.
Another major difference is the guest passenger liability. The guest passenger liability is usually purchased for recreational automobiles like motorcycles. It covers and reimburses all medical expenses for your passenger in the at-fault accident.
This is quite different from personal injury protection or medical payments coverage. In the case of an accident, the policies above offer insurance for both bodily injuries and property damage regardless of who is at fault. However, the guest passenger liability covers exactly the passenger’s medical costs if the driver is responsible for the accident.
Is Motorcycle Insurance More Expensive than Car Insurance?
Even though motorcycles are considered more dangerous than vehicles, motorcycle insurance coverages are surprisingly lower than cars. This can be attributed to the size and some other specific factors.
Ways To Lower Fairmont WV Car Insurance Costs
Do you already have the notion that getting auto insurance requires a lot of money? The following strategies can help you save a whole lot of money when getting your next auto insurance.
1. Install Anti-Theft Devices
Getting your vehicle stolen is every driver’s nightmare, but you can reduce the chance of theft by installing an anti-theft device or safety features. With anti-theft devices such as an alert system, steering wheel lock, dashcam, you are more guaranteed with finding your care where you left it.
With comprehensive insurance, a driver who has his/her car stolen gets the actual cash value of such a car, excluding deductibles. This is quite a reimbursement, so your insurer would love it if you’re invested in keeping your car safe and reducing the chances of theft. By installing an anti-theft device, your insurer may award you with a new discount, ultimately lowering your insurance premiums.
2. Look Around For Cheaper Car Insurance Rates
Getting auto insurance is, frankly, a big purchase. It could potentially cost thousands of dollars over a year. To this end, you need to take your time to research and get the cheapest lot of insurance available in town. Evaluating multiple insurers is key to get the best auto insurance.
So if you’re about to renew your policy and your insurance premiums have increased significantly, it is time to consider other quotes from various insurers. Every year and then, it is advisable to check out other quotes from various companies to see if you get lower rates elsewhere.
3. Bundle Your Policies
Most of the time, one isn’t just getting auto insurance. You might also be getting life insurance, homeowners insurance, health insurance, renters insurance, and so on. If that’s the case, you should consider bundling these policies.
Many of the top insurance companies provide multi-policy discounts for clients who purchase auto and home insurance (or any other combination) from the same insurance company. Bundling doesn’t just save you considerable money; it also comes with bonuses and discounts. Frankly, it is easier to work with one insurance provider than several insurance providers.
4. Register for a Defensive Driving Class
Quick maths; safe driving helps you maintain a clean driving record, and a clean driving record translates to cheaper insurance premiums. By taking a defensive class, you get the necessary experience to avoid accidents and traffic violations. Hence, a clean driving record. This implies that insurers will consider you a responsible driver, hence charge a cheap insurance premium. In fact, insurers encourage drivers to enroll in defensive driving classes by providing discounts on insurance rates.
Ensure you make inquiries about such a discount from your insurance agent before enrolling in the driving class. It’s important that you register for an accredited driving course. Each state has its regulations concerning accredited driving courses. To check for Fairmont, WV regulations, you can always visit the GEICO website.
5. Evaluate Pay-per-Mile Insurance
Having a doesn’t translate to driving all the time. While some drivers have high milages due to commuting far distances or regular road travels, other drivers just use their vehicles to run occasional errands. If you fall in the second category, you should consider buying pay-per-mile insurance. It is a great strategy to get the exact insurance you need.
6. Improve Your Credit Score
Maintaining a good credit score will see you save considerable money on insurance. It is so because many insurance companies now look into credit histories before calculating insurance premiums. A high credit score proves that you are financially responsible. Hence, you’re considered a low risk which gets you cheap insurance rates.
7. Increase Your Deductibles
The lower your deductibles, the higher your auto insurance premiums. When shopping for auto insurance, drivers get to choose a deductible. The deductible is the money you would need to reimburse before insurance comes in to pick the tab. Deductibles generally vary between $250 to $1,000, depending on your policy.
On the other hand, the higher your deductible, the lower your insurance premium. Discuss with your insurance agent how your premiums will be impacted if you lower or raise your deductible. It either lowers or increases your yearly insurance premium by some percentage points. So it’s either your savings is minimal, or you gain a considerable amount of money back in your pocket. For drivers who are skeptical about filling for a smaller claim to avoid increased premiums, increasing deductibles may be a better option.
8. Know the Discounts You Qualify For
A lot of insurance companies offer a wide range of auto insurance discounts. Insurers offer a minimum discount of 5% and a maximum of 30% discount that considerably lower insurance premiums. As a driver, you can qualify for discounts owing to your age, driving record, credit score, studentship, and many more.
For example, as a young or teenage driver, you can take advantage of your insurer’s good student discount. The discount applies to student drivers who maintain good grades in school. Discuss it with your insurance agent and make sure you qualify for these discounts, and they are reflected in your insurance rates.
Car Insurance Fairmont WV Questions And Answered
What is an SR-22 form?
An SR-22 is usually regarded as insurance, but factually it isn’t. An SR-22 is basically a certificate issued by your insurer as proof of insurance coverage. As a driver with poor driving history, such as multiple traffic violations and DUIs in Fairmont, WV, a judge may order you to tender an SR-22. To get an SR-22, you need to pay a fee of about $25, and the certificate remains valid for three years.
What is the average cost of auto insurance in Fairmont, West Virginia?
The average auto insurance rate for Fairmont, WV, is approximately $1,382. You can shop around for discounts to lessen the rate. Comparing quotes from various insurers can also get you a cheaper rate.
Does the insurance policy include towing and roadside assistance, and is it available on a 24/7 basis?
Either for a mechanical breakdown or a car crash on the road of Fairmont, WV, towing can be easily accessible. Towing is quite important because these incidents mostly happen without warning. Roadside and towing assistance then becomes crucial as sometimes all you need is to jump your battery or fix a flat tire. Therefore purchasing the towing and roadside assistance coverage will save you a significant amount of money instead of hiring a local mechanic.
It’s also vital that the towing and roadside assistance services are accessible every time and day of the week. This is because car breakdowns and auto crashes usually happen on weekends and at late hours of the day. Purchasing coverage that comes with the towing and roadside assistance will be beneficial as it requires less money on your part to fix issues during emergencies. Make sure you make inquiries about the towing and roadside assistance coverage when shopping for auto insurance. It goes a long way by saving you considerable money in your insurance premiums.
What is the minimum coverage required in Fairmont, WV?
The minimum insurance requirement for drivers in Fairmont includes $10,000 worth of insurance for property damage, at least $40,000 on each accident, and a minimum of $25,000 insurance for bodily injuries on each individual.
How much is car insurance typically for two vehicles in Fairmont, WV?
The average cost of auto insurance for two automobiles in Fairmont, WV, is $2,273. However, this usually varies depending on the full coverage of SR-22 insurance and liability only.
Is full coverage car insurance worth it?
Full-coverage insurance reimburses all expenses if your vehicle is damaged, while minimum insurance covers damage to another individual or vehicle. You should pay for additional coverage if you know you won’t be able to afford to pay for damages to your vehicle. If you’re a driver who resides and tours the roads of areas with harsh weather conditions or owns an expensive automobile, then full coverage auto insurance is ideal for you.
How Does Auto Insurance Work for Rentals?
If you have auto insurance coverage but drive a rental car, getting the extra insurance coverage offered by the rental company may not be needed. You can do away with the insurance offering that reimburses for theft, vandalism, or medical expenses.
