Car Insurance in Beckley, WV
Protect your finances and property with car insurance in Beckley, WV.
Beckley is the largest city in southern West Virginia. It was relatively secluded until the 1990s. when expressways and interstates made it a hub for tourism, technology and transportation. While an enthusiastic business destination, you cannot deny the city's natural beauty with direct access to three national parks.
The city is home to 17,261 people and experiences 6.29% population growth year over year. The average age of residents is 41.1 years, and the median household income is $39,845. While not a substantial sum, it allows residents to own two cars per household.
Property crime in Beckley, WV, is high. The odds of becoming a victim of such a crime is one in 17. Therefore, if you choose to own a vehicle, it is best to ignore minimum insurance coverage and opt for total protection.
Beckley does not offer a lot in the way of public transportation. You can use the New River Transit Authority or Greyhound Lines, both of which adhere to specific routes and schedules. It is usually best for residents to have access to their own vehicles.
You must have car insurance in Beckley, WV. The state mandates that vehicle owners must have liability and uninsured motorist coverage. At a minimum, these policies must provide bodily injury coverage of $25,000 for one person and $50,000 for two or more. Each policy should also include $25,000 for property damage.
You want to note that these are minimum requirements that primarily protect you from liability when you are at fault or from an uninsured at-fault motorist. You can purchase more coverage and more comprehensive policies.
Total coverage usually includes protection for collision and non-collision damages. People tend to ignore the risks to their car when they aren't driving, such as fire, falling objects and theft; total coverage options should provide some financial protection in these scenarios.
You may also need to purchase more elaborate coverage if you lease your vehicle or take out a loan to buy it. Most leases require full coverage, and some lenders may want more protection for the asset. Always review purchase or loan agreements before you sign them.
The cost of car insurance in Beckley, on average, is $1,317 annually for full coverage, which is close to the state average. If you stick with the state-required minimums, you can likely save hundreds of dollars.
That said, don't throw away the possibility of full coverage because of an estimate. Your premium may be higher or lower depending on several factors, including your credit score and age. Also, the age of the vehicle may influence the premium. Before you make any decisions, compare several policies using VIU by HUB, a comparison tool for auto insurance.
There are ways to reduce insurance costs. Drivers can enter safe driving programs or improve their credit scores. Also, you can choose to increase your deductible, thereby reducing the financial risks for the insurer.
Car insurance in Beckley, WV, doesn't have to be expensive, and finding affordable insurance options doesn't have to be challenging or frustrating. Using VIU by HUB, you can compare several insurers, policies and coverage options on a single platform.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
