Cheap Auto Insurance Quotes for Drivers Over Age 60 in West Virginia

The vehicle model you are seeking coverage for is a large consideration when consumers are trying to find cheap auto insurance for drivers over age 60 in West Virginia. Vehicles with economical engines, a great safety record, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The data below estimates insurance costs for a handful of the cheapest automobiles to buy coverage for.

Price data assumes married female driver age 60, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in specific location which can revise auto insurance rates noticeably.

Looking at the data, cars like the Honda CR-V, Ford Escape, Jeep Wrangler, Dodge Grand Caravan, and Toyota Prius are most likely going to be some of the cheaper vehicles to insure for older drivers.

For West Virginia drivers, one of the things that help determine car insurance rates is where your home is located in West Virginia. Areas that are densely populated or have higher claim frequency like Elkins, St. Albans, and Beckley tend to pay more, whereas more rural areas profit from lower rates.

The next table displays the most expensive areas in West Virginia for drivers over age 60 to buy auto insurance in.

Prices are estimated as the specific area where the vehicle is garaged can revise prices substantially.

Finding good, low-cost insurance is not the easiest thing to do, and finding out which companies quote the cheapest insurance rates for drivers over age 60 requires even more work. Prices will probably be moderately cheaper than the average price in West Virginia, with the lower price attributed to the decrease in risk that comes with offering coverage for older drivers. Competitively-priced coverage should be achievable from many insurance companies.
Each auto insurer has a unique approach for determining rates, so to begin we’ll rank the most budget-friendly insurance companies in West Virginia.

It’s important that readers know that West Virginia insurance rates are impacted by many things which can substantially decrease or increase the price of coverage. That is why it is critical to do a thorough rate comparison to find the most economical car insurance quotes for drivers over age 60. Rates can be altered by many different factors and change dramatically, so the cheapest rate six months ago may now be quite expensive.

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Erie may offer some of the cheapest car insurance rates in West Virginia at around $913 a year. The Hartford, State Auto, Westfield, and USAA are also some of the cheapest West Virginia auto insurance companies.

As shown in the table above, if you are a customer of USAA and switched to The Hartford, you might achieve annual savings of about $269. West Virginia drivers with Progressive could save as much as $506 a year, and State Farm customers might lower prices by up to $520 a year.

To find out how your current rates compare, click here to begin a quote or visit several of the following companies.

Bear in mind that those policy rates are averages for all insureds and vehicles and do not factor in a price discount for drivers over age 60. So the auto insurance company that is most affordable for your situation may not even be featured in the company chart above. That is why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Illustration showing the impact of accidents and violations

The recommended way to enjoy cheap auto insurance for drivers over age 60 in West Virginia is to be an attentive driver and not have accidents or get tickets. The chart below demonstrates how traffic citations and accident claims drive up insurance costs for different age groups of insureds. Data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

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In the chart above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,798. Receive two speeding tickets and the average cost surges to $2,488, an increase of $690 each year. Now add in two accidents along with the two speeding tickets and the annual cost of insurance for drivers over age 60 goes up to an average of $4,928. That’s an increase of $3,130, or $261 per month, just for being a careless driver!

Cost difference between full coverage and liability

Finding cheap auto insurance for drivers over age 60 in West Virginia is important to the majority of vehicle owners, and an effective way to pay lower rates for insurance is to only pay for liability coverage. The chart below compares car insurance rates with full coverage and liability only. The data assumes no claims or driving violations, $250 deductibles, marital status is single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3649,1111],[‘Age 30’, 1899,611],[‘Age 40’, 1881,567],[‘Age 50’, 1709,531],[‘Age 60’, 1649,521],[‘Age 70’, 1999,697]]);var options = {title: ‘Full Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in West Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average all the age groups together, full coverage on your policy costs an additional $2,131 per year more than just buying liability insurance. That touches on the question if buying full coverage is worth the money. There is no written rule to eliminate full coverage, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s book value is $6,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,500 after the deductible is paid. If you are paying more than $550 a year for your policy with full coverage, then you might consider buying liability only.

Who has the cheapest insurance quotes for older drivers?

Due to technology, there are many ways to shop for and buy insurance in West Virginia, but the most popular are through an independent insurance agent, an exclusive insurance agency such as Allstate or Liberty Mutual, or from a direct company like Geico. Each way is similar, but buyers need to know the differences in how they provide rate quotes.

Independent agencies have contracts with many companies and can quote your policy with all of them. They are not restricted to one company and can provide multiple price quotes, which can help you get the best idea of how your rates compare. If you want to switch companies, your agent can just switch to a different company which requires no work on your part.

A captive or exclusive agent is only able to place business with one insurance company, two examples being a State Farm or Farmers agent. Exclusive agents are unable to shop your coverage around, so if the price isn’t competitive there isn’t much they can do.

Buying from a direct company means forego either of the other two types of agents and buy from a direct company like Esurance or Geico. Shopping for insurance direct can be good for drivers who do not need advice for asset protection and understand what coverages, limits, and deductibles they need.

So what is the best way to find cheap auto insurance for drivers over age 60 in West Virginia? We would first guess that shopping direct results in the best prices because there are no middleman commissions, but unfortunately, it’s not that cut and dried. And we’d like to say an independent agent is the best way to save since they can provide multiple quotes, but that idea is not necessarily true either. In a lot of cases, exclusive agencies may have prices that are impossible to beat.

Because of the variability of insurance rates, really the only way to ensure the lowest rates is to compare lots of quotes. If you have the time, get rate quotes from all three to give yourself plenty of rates to compare. A great place to start is our list of online companies offering discounts: click here to view.