Car Insurance in Parkersburg, WV
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Safe Driving in Parkersburg, WV
Parkersburg is a busy and bustling city full of museums, live entertainment and restaurants. It boasts over 130 acres of parkland and entertainment venues along the Ohio River. While the city is a foodie and city lover's paradise, it does have some issues that vehicle owners should know about.
Car ownership in Parkersburg, WV, is comparable to the national average: two cars per household. Living in the city, vehicle owners should know that vehicle theft rates are high. If you live in the city, your odds of becoming a victim of a property crime, including car theft, is one in 25.
Driving in Parkersburg is riskier than driving in other parts of the state. The city has a higher fatal accident count per 100,000 people than other areas of the state. Historically, most car accidents occurred in the month of June. Also, it is riskier driving in the mornings than in the evenings. To avoid some risks, people can use public transportation, which includes buses and Easy Rider transportation.
Insurance Needs and Coverage Options
While the statistics can seem a little foreboding, fatal accidents in the city are low. The primary concern for vehicle owners is car theft and property damage. Car insurance in Parkersburg, WV, can protect against financial losses due to accidents. Depending on the level of coverage you purchase, you can protect your vehicle, personal property and yourself.
Why Buy Insurance
The primary reason to purchase vehicle insurance is that it's a requirement by the state. West Virginia has mandatory insurance coverage limits for all vehicle owners. The mandatory minimums are for liability and uninsured motorist coverage.
Liability coverage protects the other driver involved in an accident proven to be your fault. The state requires a minimum coverage of $25,000 per single driver and $50,000 for one or more people, as well as $25,000 for property damage. West Virginia requires the same for uninsured motorist coverage.
The requirements are the minimum, but you can purchase more coverage to protect yourself and your property. In fact, guarding against potential financial hardship is the second reason to buy car insurance. Total coverage protects against collision and non-collision damages like fire and theft. In Parkersburg, theft protection is essential.
Lenders and leasing programs may also require vehicle owners to purchase total coverage to protect their interests. If you are looking for affordable coverage, compare several insurers and policies with VIU by HUB.
Average Cost of Insurance
The average cost of car insurance in Parkersburg, WV, is $1,229 annually, which is lower than the average in the state. The price you pay depends on the coverage you choose and several other factors. The main factors that contribute to premiums and rates are:
- Your age
- Driving record
- Vehicle age
- Credit score
- Vehicle make and model
You can reduce your insurance premium in several ways, including taking a defensive driving course and improving your credit score. Also, if you increase your deductible, you reduce the risks for the insurer, which results in lower premiums.
Insurance Options and Selection
West Virginia has many auto insurance companies. As you look for car insurance in Parkersburg, WV, be on the lookout for available discounts, and don't forget to compare quotes. VIU by HUB offers a tool that allows you to compare several quotes, making it easy to assess insurance offers. Use the tool to find a policy that matches your policy needs and wants.
This information is intended for general informational purposes only and is not intended to constitute legal advice.