South Charleston, WV, has a small-town charm with a deep history. It's known for its World War I naval factory, putting this town on the map. If you're one of the 12,493 residents, you're in the right spot.
When you're driving these historic streets, you'll need proper coverage. An independent insurance agent can get the policy you want for a low price. Connect with a local expert to get started easily today.
Why Your South Charleston, WV Car Policy May Not Have Enough Coverage
Your car insurance policy will include liability coverage, and that's pretty much it. If you want insurance for the replacement or repair of vehicles, you'll need to add it. Check out some options you can discuss with an adviser:
- Gap coverage: Pays for the difference between your car loan's remaining balance and the market value when a total loss occurs.
- Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
- Comprehensive coverage: Will pay for property damage to your vehicle if it hits an unavoidable obstruction or is involved in a non-collision event like a windstorm, fire, or vandalism.
- Collision coverage: Pays for property damage to your car in the event of a crash.
- Uninsured/underinsured motorists or UM/UIM: This coverage will pay for your expenses arising from an accident with an uninsured at-fault driver.
- Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged.
The national percentage of uninsured drivers is 13.0%. West Virginia has 10.1% of these motorists, meaning you're at risk. To have adequate protection, get with a South Charleston independent agent to review your policies.
The State Minimum Limits for Car Insurance in South Charleston, WV Are Not Enough
Similar to worker's compensation insurance, most states require that you carry a minimum limit of liability when you drive. If you want to use the roadways in South Charleston, you'll have to pay for protection. Check out the required auto insurance for South Charleston, WV:
- A minimum liability of $25,000 per person/$50,000 per accident/ $25,000 property damage.
If you're looking to save while getting better coverage, consider bundling your auto and home insurance with a professional. That can help you get above the minimum limits for added protection. Connect with a South Charleston independent agent to discuss.
Ways to Save on Your South Charleston, WV Car Insurance
The cost of your auto insurance is individualized to your specifications. There are things you can control concerning your premium, and others you can't. The best way to find out your exact pricing is to contact an independent agent. Some rating factors the insurance companies use are:
- Your claims history
- Your insurance score
- The coverages you choose
- Local crime rates
- Policy discounts that may apply
- Your driving record
The local theft rate will cause your car insurance premiums to increase as well. Fortunately, an independent agent can help you cut costs in other areas. Let's take a peek at the theft rates per 100,000 people:
- National average: 228.90
- West Virginia average: 139.50
- South Charleston average: 178.00
Whether you drive an SUV or an RV, you'll want ways to save on your car insurance. There are other items you can improve to get you lower rates. Contact a local independent agent to learn more.
Does Your South Charleston, WV Car Policy Insure Uber Drivers?
If you think your personal auto insurance will cover when you drive for Uber, you'll be surprised to find out it doesn't. Your car insurance excludes coverage for any rideshare or for-hire livery services. This means Uber and Lyft are a no-go.
An adviser will probably recommend a commercial auto policy for adequate protection. Business insurance will cover your risk exposures as an operator. When you need commercial insurance for your rideshare service, get with a South Charleston independent agent for quotes.
Why You Need an Independent Insurance Agent in South Charleston, WV
When you're searching for the best coverage and price for your car policy, an independent insurance agent can help. They work with several carriers, giving you options on policy and premium. Since they do all the shopping for you, you can relax.
To get connected with a local expert, go to TrustedChoice. They have a find-an-agent tool that will get you matched. Get started with one of the 109 independent agents in West Virginia to save.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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