Best cheap car insurance quotes in Harts
Harts drivers need to be able to prove financial responsibility before they can legally hit the road—and the easiest way to do that is to purchase car insurance that meets
the state’s minimum requirements.
In many cases, drivers can also benefit from full coverage or other optional coverage types.
Cheap minimum liability insurance quotes in Harts
Every driver in West Virginia must carry minimum liability coverage with at least 25/50/25 coverage. This includes property damage liability coverage and bodily injury liability protection.
Drivers are also required to carry uninsured motorist protection.
Cheapest minimum liability coverage car insurance quotes in West Virginia
What does 25/50/25 mean? Here’s a breakdown of the car insurance requirements for liability in West Virginia:
Drivers must also purchase
West Virginia’s uninsured motorist coverage with the same limits as for bodily injury liability.
No driver is exempt from this requirement under state law.
Jerry has helped drivers in Harts find minimum liability insurance.
Harts, WV (Zip Code: 25524)
Harts, WV (Zip Code: 25524)
Do you need more than minimum coverage in Harts?
If you can only afford the minimum coverage, 25/50/25 will keep you legally compliant. However, more coverage offers more protection—and the costs of a major car accident could easily exceed West Virginia’s minimum coverage limits.
Let’s say you cause a serious accident. You’re now financially liable for someone’s lengthy hospital stay, car replacement, and lost wages. It’s unlikely that 25/50/25 coverage will pay for all of the other party’s costs, which means you’re on the hook for anything above your policy limits.
Also, liability-only coverage won’t pay for your own medical bills or damages to your vehicle.
Ultimately, it’s wise to purchase the highest limits for liability that you can afford. Luckily, it may cost as little as a few extra dollars a month to increase your liability limits.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase a
full coverage auto insurance policy.
Cheap full coverage car insurance quotes in Harts
As we said, liability coverage doesn’t pay for damages to you or your vehicle. Protection for you and your car is only available through a full coverage policy, which includes
Collision coverage: This coverage will pay for damage caused by collisions with stationary objects or other vehicles.
Comprehensive coverage: This coverage pays for non-collision damage—like vandalism, storm damage, and auto theft.
Do you have a financed vehicle? Your lender will likely require you to carry full coverage car insurance to protect the vehicle until it’s paid off. Confirm with your lender before you purchase a policy.
Take a look at how much real Harts drivers are paying for full coverage.
Last Updated Sep 24, 2023
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