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Looking for West Virginia automobile insurance? Sometimes browsing for a provider can be tricky. But with AutoInsuranceEZ.com, it’s as straightforward as entering your zip code. We can provide you with the top seven insurance providers in your location, whether you live in a big city like Charleston, Huntington, or Parkersburg, or a lesser populated area such as Morgantown or Wheeling.
The state average rate for West Virginia is around $86 every month, which is not excessive when in comparison using the data of the nation. Certain areas, like Morgantown or Wheeling, are cheaper – average prices you will find around $78/mo. However again, there are other costly metropolitan areas like Parkersburg, in which the average rate per month starts around $104.
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||20,000/40,000||20,000/40,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||0 deductible|
Finding cheap West Virginia car insurance is easy if you are familiar with state requirements. Because there aren’t any no-fault laws in the state of West Virginia, so you won’t be required to purchase any no-fault coverage. UM/UIM coverage is required, and must meet the state minimum requirements for Liability insurance, which is also required:
West Virginia has better quality insurance needs, like uninsured motorist coverage, in comparison with other states. However, Comprehensive coverage and such things as collision or medical payments continue to be optional – but tend to cost the cash over time.
Arrested for DUI? If this is your first offense, you may face these penalties: up to a 6 month prison sentence (with a minimum 2 day prison sentence for a BAL above 0.15); a prison sentence ranging from 2 days to a full year if a minor under 16 is present in the vehicle with you; a fine ranging from $100-$500 (maximum fine increases to $1,00 if BAL is above 0.15); a fine ranging from $200-$1,000 if a minor under 16 is present in the vehicle with you; your license may be suspended for 15 days (45 days for a BAL above 0.15); and an interlock device may be installed on your vehicle.
Not every driver is required to file an SR-22. These are for special cases when motorists have been convicted of serious driving violations. These include causing an accident or being caught driving without insurance. You may also need an SR-22 if you have been convicted of a DUI. Many of these convictions will result in a suspended license, and in many states, you will not be able to get your license back until you file an SR-22. The state of West Virginia, for example, is a state which requires an SR-22 to be filed before your license is reinstated.
New laws and regulations insist that motorists as youthful as 15 can obtain a student stage permit within the state of West Virginia. After a minimum of six months and 50 hrs of supervised driving, 10 of these during the night (or even less hours if they take driver’s ed), they are able to make an application for medium level permit at age 16. They might not drive between 10 PM and 5 AM, and also have zero non-family passengers within the vehicle who’re younger than 20 (that grows to one traveller after 6 months). Young drivers can obtain a full license at age 17.
Suffering any kind of financial difficulty might have lasting effects with regards to your credit rating. In West Virginia, it’s legal for the insurer to change your rates according to credit rating changes, and that’s why you should pay your bill promptly each month.
Here is a question: imagine if a family member or friend borrows your vehicle, and gets into any sort of accident? Well, when the at-fault driver was driving your automobile, it might really be both you and your insurance provider. This is exactly why your insurer must know as many details about your automobile because without such information, they cannot safeguard themselves as well as your vehicle in odd situations such as the one pointed out above.
To date, we have spoken about a few of the greatest rate-modifying factors – like credit, as well as your location – but there are more laws and regulations you have to obey to maintain low rates:
There aren’t any aggressive driving laws and regulations around the book in West Virginia. However that shouldn’t diminish how harmful aggressive driving is, just how much aggressive driving increases your probability of any sort of accident, or even the additional legal and financial penalties you’ll face when aggressive driving habits cause any sort of accident.
|Aggressive Driving||No state law|
|Cell Phones and Texting Laws||Primary all-driver ban (texting)|
|Inc. Penalty for High BAC||BAC 0.15|
|Admin. License Susp. on 1st Offense||6 months|
Like the majority of states, West Virginia has a primary-level all-driver ban on texting while driving, because of the massive rates of accidents it causes. There’s also bans on speaking on the mobile phone while driving for motorists younger than 18. This ban is another primary degree of enforcement.
|Rural Interstate||70 mph|
|Urban Interstate||60-65 mph|
|Other Limited-Access||65 mph|
West Virginia Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.
How to contact directly:
West Virginia car insurance Commission
1124 Smith Street
Charleston, WV 25301
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