Category: Auto Insurance

Drivers in the greater Follansbee, WV area can turn to the team at Pro Insurance Group for all of their auto insurance needs. If you have questions about the appropriate amount of insurance for your needs, give us a call today! We are here to help.

Benefits of carrying more than the required amount of liability protection

When it comes to liability protection, it can be difficult to know what level of coverage is most appropriate for your needs. Yes, there are stipulations in place for minimum coverage amounts in our state, but how do you know if that’s enough protection?

It is not uncommon to have an auto policy that provides more protection than what is required by West Virginia. This is especially true when it comes to liability protection. Weighing your liability protection options is a smart move, no matter what you end up deciding. Here are just a few of the benefits:

• Lower likelihood of personal responsibility. If your liability protection is exhausted due to a catastrophic accident, you can become personally liable for any overages. Increased coverage can help you avoid this unwanted situation.
• Increased coverage does not cost that much more. Premiums do not increase by a significant amount when liability protection is increased.
• Peace of mind comes with knowing you have the protection you need. Knowing that you won’t face personal financial responsibility for a major accident can help you sleep much better at night.

Give us a call today

Pro Insurance Group is here for the wider Follansbee, WV community. If you have any questions about your auto policy or any other type of insurance, call or stop by our office today! Our team looks forward to working with you.

When you are looking for auto insurance in West Virginia, it is important to find an independent insurance agent that can provide the choices you deserve. At Pro Insurance Group in Follansbee, WV, we share our 60 plus years of experience with our customers. We personalize your coverage to your particular needs. 

Almost every state has insurance requirements for those who drive in their state. West Virginia is no exception. You are required to have both liability coverage and uninsured/underinsured coverage. The amount is 25/50/25 for both types. Liability coverage protects other people from you and uninsured coverage protects you from others who don’t carry enough or have no insurance. It translated to $25,000 for injury to the first person and $50,000 for the entire accident with $25,000 for damage to property.

This is what is mandated by the state but if you have a loan on your vehicle, this will not be the only insurance required. The lender will require you have collision and comprehensive coverage to protect the vehicle they still partially own. Deciding if the minimum amount of liability coverage is enough is important. It is there to protect your assets. You may want to consider going with a higher limit. 

For most people, a vehicle is a necessity, something they just can’t do without on an everyday basis. If you are responsible for the damage to your vehicle you need to have collision and comprehensive coverage so that it can be repaired. That will protect you from theft, vandalism, damage from an accident, hit and run or damage from things like hail, flooding, or wind. 

Contact Pro Insurance Group in Follansbee, WV for all your auto insurance needs. We welcome you to stop in at our office or give us a call for a no-obligation quote. 

Pro Insurance Group serves the Follansbee, WV community, as well as the surrounding areas. We are an independent agency. We pride ourselves on being able to offer our clients flexible policies that align with their needs and goals. We have working relationships with different carriers throughout the East Coast. We are confident that we can help you find the coverage you need to protect what matters most.

Auto Insurance Myths To Watch Out For

Operating a vehicle comes with multiple risks. You can’t control the other drivers on the road or prepare for the road conditions. Auto insurance gives you a safety net as you travel around Follansbee WV. You’re covered if you are involved in an accident with another driver or object. If you have a passenger in the vehicle, their medical treatment is covered in the event that they are injured. Comprehensive coverage protects you in unique situations. You can rely on the coverage if you are a victim of theft or your vehicle is accidentally set on fire. Liability coverage protects you if you are held responsible for any injuries or property damage caused by an accident. While researching coverage, watch out for these common auto insurance myths.

My Friend’s Coverage Takes Over If They Drive My Car

This is incorrect. Your auto insurance covers your vehicle at all times, even if someone is driving the vehicle. As a result, if your friend is involved in a collision while driving your vehicle, you are technically responsible for the damages.

Auto Insurance Covers Personal Property

Any damage to your personal property is not covered under auto insurance.  

One Ticket Will Alter My Policy

If you obtain one minor parking ticket, that is not enough to alter your auto insurance coverage.

Pro Insurance Group Will Help You Stay Safe On The Road

Visit our website to learn more information about auto insurance.

Are you having a hard time finding a car insurance policy? Pro Insurance Group serving Follansbee, WV can help you find the coverage that you want by teaching you the three easiest steps for shopping for high-quality insurance options.

How to Shop for Insurance 

If you’re struggling to find high-quality car insurance, follow these three steps to get started on your path towards better coverage:

• Know What You Want – What kind of coverage do you think that you need? Try to find a policy that is as comprehensive as possible to give yourself the best chance of thriving with your policy. 
• Find Someone You Can Trust – Seek out a few different insurance providers and talk to agents who you can trust. Narrow down your options and you should easily find an option that makes sense. 
• Consider Adjusting Your Policy – If you find that your policy needs to be adjusted at any time, talk to your agent to make sure that you can get the coverage that you want at a reasonable price. 

When you follow these simple steps, it should be fairly easy to find the policy that works for you and which fits into your needs as a person. You may need to work directly with your agent or shop by yourself. Whatever choice you make, stick to it and carefully decide which options are the best choices for your needs as a person and as a car owner. 

Work With Us to Get a Policy You Can Trust 

If you’re interested in shopping for a car insurance policy and you want to work with a team that makes sense for your, please contact us at Pro Insurance Group. We serve Follansbee, WV and the surrounding area and can provide many different high-quality policy options for your needs. 

Drivers in West Virginia have one of the most beautiful states in the union to enjoy but even in this beautiful state, having auto insurance is a must. But just how much and what type can cause a lot of confusion. With an experienced independent insurance agent, you can be sure you will get the most choices and someone you can trust. With more than 60 years of doing business, Pro Insurance Group in Follansbee, WV has provided several generations of residents with the type of personal service they deserve.

With summer just around the corner, it is time to make sure your vehicle is ready for all the fun things you plan for this summer. 

Get the air conditioning checked

Take a test drive and make sure the a/c is working great. If you notice it isn’t getting cold enough, it’s time for a service check. If you are getting an oil change soon, they can check your a/c at the same time. 

Replace your windshield wiper

Summer brings with it storms and some heavy rains. Having good windshield wipers makes it much easier to survive driving under less than ideal conditions. Many auto parts stores will install them for free with a drive-up visit and purchase. Also, check the windshield washer fluid. Lots of bugs hit the windshield in the summer. 

Check the tires

Once you have taken off your winter snow tires, it’s time to make sure your summer tires are in good condition. Check the air pressure and the treads before you go off on any summer adventures. 

Top off the fluids

Make sure all your fluids are topped off. Check the transmission antifreeze and brake fluids. 

If you are in the market for auto insurance, give Pro Insurance Group in Follansbee, WV a call or stop by the office. 

Letting a roommate borrow your car to make a grocery trip? Loaning it to a cousin who needs to get to work? You may be worried that your insurance company will not provide any coverage if the borrower is involved in an accident. Don’t fret. In Follansbee, WV, if your car is insured, your car is insured.

With that having been said, you should make sure that anyone who borrows your car regularly is included on the insurance policy. If you and your spouse share a car, for instance, or if your teenage son or daughter drives it regularly, then you’ll probably want to have them included in the policy.

This is because, in some cases, the person driving the car may actually be held accountable for damages. By and large, your car will be covered by your insurance provider as long as you have the appropriate coverage. But the driver will be the one who was responsible for the accident. If someone has their own insurance, this isn’t an issue. But if your teen drivers are uninsured, the liabilities will fall in your lap even though you have your own insurance.

If you have any questions or if you’re looking to get covered in Follansbee, WV, get in touch with Pro Insurance Group. You can get in touch through the Pro Insurance Group website or call our office on the phone and see about getting all the coverage you need for you, your car, and your family, whether that means adding your spouse and kids to the policy or just getting yourself covered.

Whether this is your first auto insurance policy in Follansbee, WV or your fifth, did you know there are ways to save on your premiums? It’s true, and with auto insurance mandatory, with full coverage highly recommend, every little bit helps. The team at Pro Insurance Group has put together a quick read of three easy steps you can follow to get a great auto insurance policy at a price that makes you happy. Read on to learn more.

Step 1: Work with a Reputable Agent

The key to your auto insurance buying success depends on who you work with. We always recommend working with a reputable agent to make sure you understand your policy and what you’re paying for. Not all insurance policies are the same, and it can take a keen eye to spot and explain the differences. 

Step 2: Compare Several Quotes

Now that you have a reputable insurance agent on your side, it’s time to answer his or her questions to find a few quotes to compare. Try to compare at least three to five quotes, scouring over the details diligently. Ask any questions you may have and raise any concerns. Your friendly agent will be happy to provide the answers.

Step 3: Bundle Your Policies

Once you’ve decided on a quote, it’s time to look at your other policies, such as life, health, homeowner’s, or others, and see if they need renewing or a policy change. You can then bundle all your policies under one insurance company to save money on your premiums.

To learn more about purchasing auto insurance, contact the team at Pro Insurance Group in Follansbee, WV today.