Charleston, WV Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Charleston, WV, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Charleston, WV are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Charleston, WV Auto Insurance Rates
- Charleston, WV Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Charleston, WV
- Multi Vehicle Insurance Savings in Charleston, WV
- How Credit Score Affects Car Insurance Rates in Charleston, WV
- How DUI Affects Auto Insurance Premiums in Charleston, WV
- Top Auto Insurance Agents Near Charleston, WV
- How Driving Violations Affect Auto Insurance Rates in Charleston, WV
- Charleston, WV Auto Insurance Discounts on Anti Theft Feature
- Charleston, WV Auto Insurance Company Reviews
Charleston, WV Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Charleston, WV with that of other cities in and around Charleston.
|Charleston||Marmet||Rand||Kanawha County||Big Chimney||Dunbar|
|Average Insurance Rates||$1,474||$1,395||$1,349||$1,424||$1,411||$1,401|
Charleston, WV Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Charleston, WV based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Charleston, WV Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Charleston, WV usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Charleston, WV Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Charleston, WV can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$383
Savings on 3 Vehicles bundle:$575
Savings on 4 Vehicles bundle:$766
Charleston, WV Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Charleston, WV.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Charleston, WV Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Charleston, WV Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Mick Hager||State Farm||120 Walnut St, Saint Albans, 25177-2040||304-722-7227|
|David Kline||Allstate||424 Maccorkle Ave SW, South Charleston, 25303||(304) 342-3621|
|Holstein Insurance Agency Inc.||Erie||4920a Elk River Road, Elkview, 25071||None|
|Tresa L. Davis-Weir||Allstate||4848 Maccorkle Ave SW, South Charleston, 25309||(304) 768-4848|
|Liz Underwood||Allstate||3822 Maccorkle Ave SE, Charleston, 25304||(304) 925-2161|
|Dorsey Insurance Agency Inc.||Nationwide||509 50th St SE, Charleston, 25304-2023||(304) 925-7488|
|Usi Services||None||One Hillcrest Dr E, Charleston, 25311||None|
|Mountain State Agency Alliance Llc||Liberty Mutual Independent||888 OAKWOOD RD STE 100, CHARLESTON, 25314||304-925-0255|
|Bb&T Carson Insurance Services||None||601 Tennessee Ave, Charleston, 25302||None|
|Kaltnecker Payne & Garlow Insurance||Erie||5316 Maccorkle Avenue Sw, South Charleston, 25309||None|
Charleston, WV Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$65||$1,539|
|Driver's Failure In Showing Documents||+$143||$1,617|
|Driving With An Expired Registration||+$152||$1,626|
|Driving At A Considerably Slow Pace||+$320||$1,794|
|Using A Cellphone While Driving||+$338||$1,812|
|Running A Red Light||+$343||$1,817|
|Driving A Vehicle Without The Required Permission||+$458||$1,932|
|Driving With An Expired/Suspended License||+$993||$2,467|
Charleston, WV Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,415|
|Passive Disabling Device||$1,371|
Latest Auto Insurance Reviews in Charleston, WV | Back to Top
The premium and deductible of my policy is at a decent range. It wouldn't cause any undue worry if something should happen to me in the future.
my car insurance customer service has always been excellent. It is super easy to get a hold of someone and get my questions answered. The people on the phone and online are always kind and helpful.
My deductible was more with progressive. I don't remember how much more, but enough that I switched over as it saved me more money each month.
I am fairly satisfied with my insurance company, however, recently I discovered that I did not have medical pay coverage as appears to be given with other insurance companies. The premium I pay to State Farm also seems high compared to other companies.
There is nothing I dislike about the company except their slightly higher premiums. I don't like their advertising though. The actor they use is annoying.