Ghent Auto Insurance Rates, Quotes, Agents & Reviews in WV

Ghent, WV Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Ghent, 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.

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Factors that can influence the cost of car insurance in Ghent, 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.

Ghent, WV Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Ghent, WV with that of other cities in and around Ghent.

Ghent Bluestone River MacArthur Coal City Crab Orchard Sophia
Average Insurance Rates $1,844 $1,412 $1,420 $1,391 $1,406 $1,353

Ghent, 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 Ghent, 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)
Ghent $1,498 $1,265
Shady Spring $954 $806
Coal City $1,352 $1,142
Daniels $1,077 $910
Bluestone River $1,619 $1,368
Sophia $1,511 $1,276
Crab Orchard $1,630 $1,377
MacArthur $1,410 $1,191

Ghent, WV Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Ghent, 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
Teens $5,983
20 Years $2,369
30 Years $1,825
40 Years $1,756
50 Years $1,626
60 Years $1,649
70 Years $1,919

Ghent, WV Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Ghent, 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
2 Vehicles $3,172 $516
3 Vehicles $4,758 $774
4 Vehicles $6,343 $1,033

Savings on 2 Vehicles bundle:$516

Savings on 3 Vehicles bundle:$774

Savings on 4 Vehicles bundle:$1,033

Ghent, 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 Ghent, WV.

Location Average Insurance Cost Post DUI Insurance Rate
Ghent $1,844 $2,949
Shady Spring $1,519 $2,429
Coal City $1,391 $2,224
Daniels $1,398 $2,236
Bluestone River $1,412 $2,258
Sophia $1,353 $2,164
Crab Orchard $1,406 $2,248
MacArthur $1,420 $2,271

Ghent, 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
Exceptional (800-850) $1,582
Excellent (740-799) $1,806
Good (670-739) $1,921
Average (580-669) $2,507
Poor (300-579) $3,008

Ghent, 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
Songer Insurance Agency, Inc. None 2955 Robert C. Byrd Dr., Beckley, 25801 None
Tim Cyrus State Farm 824 Ritter Dr, Beaver, 25813 304-255-6917
Don Frazier State Farm 1431 Honaker Ave, Princeton, 24740-3047 304-425-6664
Lorin Walls Insurance Agency Inc. Erie 115 Fearn Street, Crab Orchard, 25827 None
Pat Reed Insurance Inc. Erie 110 Sunset Drive, Beckley, 25801 None
Usi Services None 41 Eagles Rd, Beckley, 25801 None
Mercer Insurance Associates Inc. Erie 502 Thorn Street, Princeton, 24740 None
Liberty Insurance Agency Erie 460 Ritter Drive, Glen Morgan, 25813 None

Ghent, 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 +$81 $1,925
Driver's Failure In Showing Documents +$179 $2,023
Driving With An Expired Registration +$190 $2,034
Driving At A Considerably Slow Pace +$400 $2,244
Using A Cellphone While Driving +$422 $2,266
Running A Red Light +$430 $2,274
Speeding +$452 $2,296
Driving A Vehicle Without The Required Permission +$573 $2,417
Driving With An Expired/Suspended License +$1,243 $3,087

Ghent, 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
Audible Alarm $1,770
Active Disabling Device $1,770
Tracking Device $1,733
Passive Disabling Device $1,715