West Virginia Car Insurance Quote
On average residents of West Virginia paid around $1,000 for their auto insurance policies in 2003. This compared with the national average of around $914. It is the common belief that all car insurance rates are fixed by insurance carriers and state regulated agencies. However you can still find the best and competitive rates for car insurance in West Virginia by using quoteautoinsurance.com.
There is expected to be a decrease in car insurance rates in 2007. It will be the first drop in rates since 1999. There is expected to be a .5% to a 1% decrease in car insurance rates from 2006 alone. Through technology sites, such as quoteautoinsurance.com, are able to bring competition right to customers, which can get you the most affordable car insurance rates possible. Car insurance rates have changed in West Virginia as well. In 1999 the average annual car insurance rate was around $814 and in 2003 it was $1,000, therefore car insurance rates rose 22.85% in only 4 years. You should not throw away your money by paying a high price for car insurance when you can get the best rates possible by using quoteautoinsurance.com.
There are some minimum state requirements for car insurance in the state of West Virginia. West Virginia uses the Tort system, which means that a person has to found to be at fault in a car accident. The person who is a t fault as well as their insurance carrier, are responsible for the damages that are a result of the accident. Under West Virginia State law a person has to carry with their car insurance policy. The policy has to have a Bodily Injury Liability for the minimum amount of $20,000 for every person up to $40,000 for every accident. The policy also has to have Property Damage Liability coverage with a minimum amount of $10,000. This type of basic coverage is called 20/40/10 coverage. West Virginia also has a Uninsured/Underinsured Motorist coverage requirement in a person's insurance policy. The uninsured/Underinsured Motorist coverage has to be for $20,000 for every person and $40,000 for every accident for any injuries that are caused by a driver who is not covered by car insurance.
Many car insurance carriers offer Personal Injury Protection (PIP) but it is not a requirement by West Virginia state law. PIP in your coverage will help with medical expenses that are "reasonable and necessary" for both you and the passengers in your car. If you think you might want to have PIP in your coverage you can use quoteautoinsurance.com to see what car insurance companies offer PIP.
Quoteautoinsurance.com will work hard for you and it doesn't matter if you have a spotless driving record or if you are a high-risk driver. Quoteautoinsurance.com will find you the best car insurance rates in West Virginia. It is important that you have the best coverage for your diving needs and quoteautoinsurance.com can do exactly that for you. Quoteautoinsurance.com is always improving their website and services in order to give their customers the easiest way to find the best car insurance rates. You should take advantage of all that quoteautoinsurance.com can do in finding you the most affordable car insurance rates for policies that will give you the best coverage possible.