Martinsburg Car Insurance

Your Complete Guide to Martinsburg, WV, Car Insurance

How to get connected to a local agent

Martinsburg, WV, is known as the "Gateway to the Shenandoah Valley." This town is located in the state's panhandle and growing. With over 17,404 residents, this town is booming.

If you own a car in Martinsburg, you'll need coverage. An independent insurance agent can help you find a policy for an affordable rate. Connect with a local expert to begin your search for the best and most affordable policy for you.

Is Your Martinsburg, WV, Car Policy without Coverage?

Your regular car insurance policy only comes standard with liability coverage. When you need insurance for your vehicles, you have to add it. An independent agent can help. Check out some options you can discuss with an adviser:

  • Gap coverage: This pays for the difference in your remaining loan balance and the market value when a total loss occurs.
  • Tow coverage: This will pay for a tow truck to tow a covered auto due to a loss.
  • Comprehensive coverage: This will pay for property damage to your vehicle that is hit by an unavoidable object.
  • Collision coverage: This pays for property damage to your car in the event of a crash.
  • Rental car coverage: This will provide reimbursement for a rental car when your covered auto is damaged.
  • Uninsured/underinsured motorists or UM/UIM: This coverage will pay for your expenses arising from an accident with an uninsured at-fault driver. There are 13.0% uninsured drivers in the US and 10.1% in West Virginia.

Car insurance should have the protection you thought you had. When you're unsure how much coverage you have, get with a professional for review. An independent agent can find a policy that suits your needs.

Are Your Martinsburg, WV, State-Mandated Limits Enough?

Similar to workers' compensation insurance, your auto coverage is mandated in Martinsburg, WV. Since you are required to carry regulated limits, you'll want an expert. Check out the required auto insurance for Martinsburg, WV:

  • A minimum liability of $25,000 per person/ $50,000 per accident/ $25,000 property damage.  

When you only have the minimum coverage, you could be setting yourself up for a significant expense. With the average cost of a vehicle being over $36,000, a loss could wipe you out. Contact a Martinsburg independent agent to discuss this further.

How You Can Lower Your Martinsburg, WV, Car Premiums

Several factors determine your car insurance premiums. Carriers use personal data and city information to set costs. An independent agent can help you find more ways to save. In the meantime, here are some rating factors the insurance companies look at:

  • Your claims history
  • Your insurance score
  • Your motor vehicle record (MVR)
  • The coverages you choose 
  • Natural disasters and local weather
  • Local crime rates 
  • Policy discounts that may apply 

There are some areas you can work to improve, and others you can't. Local crime and catastrophes are outside of your control. Let's take a peek at the theft rates per 100,000 people:

  • National average: 228.9
  • West Virginia average: 139.5
  • Martinsburg average: 86.1

If you want more ways to cut costs, consider bundling. When you bundle your auto and home insurance, you'll get lower premiums. Carriers award a 30% discount or more. Speak with a Martinsburg independent agent for more ways to reduce rates.

Will a Personal Auto Policy Cover Uber Services in Martinsburg, WV?

When you use your vehicle to drive for Uber or Lyft, you may not have coverage. Personal auto insurance excludes rideshare or livery-for-hire services. If you're transporting people or parcels, you won't have protection. 

Fortunately, a commercial auto policy will. It will provide insurance for your business exposures. Connect with a Martinsburg independent agent for commercial insurance quotes. 

Why You Need a Martinsburg, WV, Independent Insurance Agent

When you try and DIY car insurance, you could have a huge coverage gap. An independent insurance agent has access to policies at an affordable price. Since they work with several carriers, you'll have options.

An independent agent works on your behalf at no cost to you, saving you time and premium dollars. Talk with one of the local advisers to discuss your policy. TrustedChoice.com can connect you with an expert in minutes. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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