Who are the best West Virginia car insurance companies?
Once you’ve lived in West Virginia for a little while, you can see how important it is to find good, reliable and affordable car insurance. For those still shopping around and for drivers who are looking to get on a better policy, we’ve compiled this article with one simple goal in mind: To help you get the very best car insurance you can find. We’re grading all of the insurers below based on a few simple factors.
Price
We’re not looking for the lowest price so much as the fairest price. Sometimes this means spending a couple dollars extra to get a much better package than the marginally cheaper policies next door. Getting the best deal on insurance doesn’t just mean spending as little as possible, it means spending as little as possible for the coverage you want and the protection you need. Sometimes the best deal is not the cheapest one, but simply the best bargain, the most for your money. In short, the best value.
Reliability
It doesn’t matter how cheap an insurance company’s policies may be if they never honor them. Some car insurance companies have gotten into trouble for basically running scams where they take the money and run and refuse to ever honor a single claim. Obviously, those insurers are not going to be making this list.
Customer Value
The overall value a customer derives from their insurer is very important. This could mean, say, earning auto insurance discounts over time even though they paid a little more up front. Many insurers these days offer discounts for long term customers, eventually collecting far less in monthly payments from those customers than even budget priced policies might collect in the first months.
With these three factors in mind, let’s look at some of the top car insurance companies throughout West Virginia.
Arrowhead General Insurance Agency, Inc.
While it’s not common to see a general insurance agency on a car insurance provider list, as general insurers rarely offer the benefits you really need as a driver, Arrowhead earn high marks across the board throughout West Virginia on a number of factors for West Virginia car insurance.
First of all, Arrowhead provide a lot of affordable policies, and not just at budget priced, minimum-coverage levels. Indeed, many drivers who switch to Arrowhead manage to save fifteen to fifty percent on their car insurance rates, and that number is nothing to sneeze at.
Secondly, they provide quality, adequate auto insurance coverage. Where other insurance companies are seemingly defined by the pricing scams they pull and refusal to cooperate with their customers, Arrowhead have managed to earn positive underwriting results for more than two decades and their reputation with customers is stellar.
Where they really stand out is customer service, though. Their friendly staff are trained to help you get what you’re after. A far cry from the automated robots they connect you to at most insurers.
Encompass
Encompass car insurance is an insurance company under Allstate, and they report very good results in all fields. First of all, in terms of pricing, Encompass follow the same fair pricing rates as Allstate, providing top quality policies for bargain bin prices.
In terms of customer service, it’s no wonder they earn ratings between B+ and A+ across the board in reviews from West Virginia drivers: Where other companies try to weasel their way out of every payoff, Encompass have paid out to thousands of customers in West Virginia alone.
Encompass currently command roughly 1.7 billion dollars in insurance written premium, making them one of America’s largest insurance brands. Located in 42 states, it should be easy to find an Encompass Insurance office in West Virginia.
Direct
Direct auto insurance provide one thing above all else: Help in getting a low price. You want to spend as little as possible, and Direct know it. They offer some of the most competitive rates around, and if you do happen to find someone offering the same policies for cheaper, chances are that they won’t be cheaper by much.
Privately owned out of Nashville, Tennessee, Direct’s West Virginia offices can connect you to friendly customer service, robust policies at low prices and some of the easiest insurance products around.
The Best of the Rest
Selecting the best car insurance company out of all of these is tricky. The truth is that it’s different for everyone and, in fact, you might not even find what you’re looking for from any of them. Here are some honorable mentions you may want to look through.
- Hillstar: A reliable company, it should be easy to find Hillstar in the West Virginia area.
- Infinity: A more well known company, Infinity offers competitive rates on quality insurance packages.
- Starr: Starr are known throughout West Virginia as one of the more reliable insurance companies.
- Progressive: Another well known one. While you may be tired of their commercials, their flexibility is really appreciated.
- Esurance: Esurance doesn’t always get you the best prices on insurance, but when they do, you can be sure it was worth looking.
Buying car insurance does not need to be a hassle, no matter what they tell you. By browsing and getting free car insurance quotes from some of the insurers listed here, you should have no trouble whatsoever finding the right policy at the right price.
-
Car insurance is a competitive business in the state of Michigan, with companies ranging from... Read Full Story » -
When purchasing car insurance , you want to get a reputable company. Making the right decision... Read Full Story » -
Whether you’re looking to insure your first car or home or are just shopping rates, it’s easy to... Read Full Story » -
Farm Family Casualty Insurance Company/Albany, NY Farm Family is headquartered in Glenmont... Read Full Story »
