Auto Insurance
If you're like most people, you probably think of auto insurance as a necessary evil. As a resident of West Virginia, it's something you have to have, but no one really enjoys dealing with. And if you're like most people, you also probably don't know too much about car insurance. You might not even be sure what all the different types of coverage mean, but understanding car insurance doesn't have to be complicated. And at Insurance Centers Inc., we can help make it easy for you. We're experts in auto insurance, and we're here to help you find the right coverage for your needs.

What is Auto Insurance and Why Do You Need It
Auto insurance is a type of insurance that covers you and your car. It helps protect you financially if you're in an accident or if your car is stolen. And it's required by law in most states. So if you own a car, you need car insurance.
How Does Car Insurance Work
Car insurance works by protecting you from the financial costs of an accident or theft. When you have auto insurance, your insurer will pay for some or all of the costs of an accident or theft up to a certain limit. In exchange for this protection, you'll pay premiums (monthly or yearly payments) to your auto insurance company.
The Different Types of Car Insurance Coverage
There are several different types of car insurance, and each one has its own benefits. So it's important to understand what each one offers before making a decision.
- Liability Insurance: This is the most basic type of car insurance. It covers you if you're responsible for an accident that damages someone else's property or injures someone else. It does not cover damage to your own car.
- Collision Insurance: This type of car insurance covers damage to your car if you're in an accident, regardless of who is at fault.
- Comprehensive Insurance: This type of car insurance covers damage to your car from things other than accidents, such as fire, theft, or weather damage.
- Uninsured/Underinsured Motorist Coverage: This type of car insurance covers you if you're in an accident with a driver who doesn't have car insurance or doesn't have enough car insurance to cover the damages.
- Medical Payments/Personal Injury Protection: This type of car insurance covers medical expenses and, in some cases, lost wages if you're injured in an accident.
How to Choose the Right Auto Insurance For Your Needs
When it comes to car insurance, there are a few things you need to know in order to make the best decision for your needs. These include:
- Understanding the different types of car insurance and what each one covers
- Determining how much car insurance you actually need
- Comparing car insurance quotes from multiple providers to find the best deal for you

If you're ready to start looking for auto insurance, the team at Insurance Centers Inc. is here to help. We have years of experience working with auto insurance clients, and we can help you find the coverage that's right for you. Contact us today to get started!
Frequently Asked Questions
Why do you need car insurance
Auto insurance is mandatory in most states, and can protect you and your car in the event of an accident. Car insurance also covers you for liability if you are at fault in an accident. It is generally very affordable and can save you a lot of money in the event of an accident.
What does car insurance cover?
Car insurance can cover you for liability if you are at fault in an accident, car damage, medical expenses, and car rental. It is important to understand what each type of coverage offers before making a decision about what policy to purchase. Let our experts help you find the right coverage for your needs.
What coverage should you consider for your car?
Car insurance can protect you in the event of an accident, car damage, medical expenses, and car rental. It is important to understand what each type of coverage offers before making a decision about what policy to purchase. Let our experts help you find the right coverage for your needs.
How much car insurance do I need?
No one car insurance policy is right for everyone. You need to purchase a policy that fits your needs and budget. Talk to our experts about the different types of car insurance policies available and find the one that is right for you.
How can I save money on car insurance?
There are a few things you can do to save money on car insurance. One is to shop around and compare rates from different companies. Another is to raise your deductible amount if you can afford to do so. You can also try bundling your car insurance with other types of insurance, such as home or renters insurance. Let our experts help you find the best way to save money on car insurance.
What is the difference between comprehensive and collision coverage?
Comprehensive coverage covers damage to your car that is not caused by an accident, such as theft, fire, or vandalism. Collision coverage covers damage to your car caused by an accident. It is important to understand the difference between these two types of coverage before making a decision about what policy to purchase. Let our experts help you find the right coverage for your needs.
When should I contact an insurance agent?
You should contact an insurance agent if you have any questions about car insurance or would like to purchase a policy. Our agents are experts in the field and can work with you to help find the right policy for your needs.
Work With Us
In conclusion, car insurance is important for everyone who owns a car. It can protect you in the event of an accident and can also save you money. There are many different types of car insurance policies available, so it's important to understand your needs before making a decision. Let our experts help you find the right car insurance policy for your needs. Contact us today to get started!