West Virginia Auto Insurance Q&A

Buying auto insurance anywhere in the U.S. can be frustrating, so we've highlighted some of the most commonly asked questions below. When you feel comfortable enough to begin comparing rates, you can request a free quote here!

What if I already own my car?

The important thing to consider in this case is if you can afford to pay for damages to your car if you are involved in an accident. If not, it might be a good idea to get some kind of collision or comprehensive coverage to help cover the costs.

One type of coverage that could be beneficial to you is uninsured motorist coverage, since 8% of West Virginia's drivers have no insurance, according to the Insurance Research Council.

Can my insurance company terminate my coverage?

Yes. Even if you pay your premiums one day late, your insurance company can terminate your coverage. Most companies have guidelines or late fees for not paying your premiums on time. The best bet is to notify your insurance company ahead of time if you think you're not going to be able to make your payments on time.

What happens if I don't have coverage or have a lapse in coverage?

In West Virginia, you can have your license and registration suspended for not having minimum coverage – not to mention the possible fines and the potential cost of an accident if you are found at fault. If you do happen to lapse in your coverage, then you will have to pay for the accident and the medical bills out of pocket.

The cost of auto insurance in West Virginia may be high, but the consequences of forgoing it could prove to be even more expensive. Protect your finances – request a free quote today!