Auto & Car Insurance Policies
Next to your home, your automobile is often the most expensive piece of property you own. As a result, it is important to seek the best value when buying your car insurance.
Auto Insurance Coverage in West Virginia and Ohio for your Car
You can choose the coverage limits you need for:
- Bodily Injury Liability - covers your legal liability for bodily injury claims
- Property Damage Liability - covers your legal liability for property damage claims
- Medical Payments - covers the medical expenses sustained by you or others in your auto as the result of an car accident*
- Uninsured/Underinsured Motorists - covers your damages incurred by an uninsured or underinsured driver
- Comprehensive - covers your "other than collision" damages to your auto
- Collision - covers your damages caused by collision or upset
To ensure that you have the proper protection, there are a number of ways that you can reduce the cost of your auto insurance premiums while obtaining the coverage that you need, including:
Auto Deductibles
Choosing higher deductibles for collision and comprehensive coverage is an easy and cost-effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.
Auto Discounts
- Multi-policy – By insuring your auto and home with Bryan Insurance, you may qualify to receive a discount on your auto premium as well as your homeowners insurance premium.
- Multi-car – If you insure two or more cars with Bryan Insurance and they are owned and used by the individual and / or relatives living in the same house, you may receive a discount.
Driver-related Discounts
Good drivers who have no accidents or violations receive the most competitive rates, but there are other factors that can reduce your premiums even further, including:
- Driver training – If you have a young driver (under age 21) insured who has completed an accredited driver-training course, you will receive a premium discount.
- College student – Young, unmarried, full-time college students who spend most of the college term away from home without the use of an auto are eligible for a discount.
- Age 55 & older – Cars driven primarily by an insured who is 55 and over receive a discount on the bodily injury, property damage, medical payments, personal injury protection, comprehensive and collision premiums.
Vehicle-related Discounts
You can save even more money on your auto insurance by choosing a vehicle with the following safety equipment:
- Passive restraints – If your vehicle is equipped with factory-installed automatic seat belts or air bags, you will receive a discount on the medical payments or personal injury protection portion of your premium.
- Anti-theft devices – You may receive a discount on the comprehensive portion of your premium if your vehicle has active or passive anti-theft devices.
- Anti-lock brakes – Vehicles with factory-installed anti-lock brake systems on all four wheels are eligible for this discount that applies to the bodily injury and property damage coverages.
If you are interested in obtaining more information or an auto insurance quote, contact us. You can also take a look at the various types of auto insurance and their descriptions.
Contact Bryan Insurance today at either our Moundsville, WV office on 304.845.0121, or our Wheeling, WV office on 304.233.5907 and let an experienced Auto insurance professional discuss your car insurance options with you.
Auto Insurance Links
- Auto Liability Insurance
- Collision Insurance
- Comprehensive Auto Insurance
- Uninsured / Underinsured Auto Coverage
- Loss of Vehicle
- Car Towing Insurance
- Auto Loan / Lease Payoff --(Gap Coverage)
Useful Car Information
- What To Do After an Auto Accident
- Ten Commandments of Car Care
- Safety Tips for the Road
- How to Choose a Car Insurance Carrier
Our Insurance Products
Whatever insurance coverage you need, we can show you how to maximize your insurance program with discounts and cost saving features.
Contact Bryan Insurance today for a FREE no obligation Auto Insurance Quote or to arrange an appointment at one of our West Virginia offices based in Wheeling and Moundsville.