--- title: Auto Insurance in Beckley, WV - Wickline Insurance Agency description: For auto insurance in Beckley, WV call Wickline Insurance Agency. We represent over 20 insurance companies. Start your car insurance quote:(304) 252-1483 --- # BECKLEY, WV AUTO INSURANCE AGENCY [Start Your Quote](/auto-insurance/quote) ## Trust the professionals at Wickline Insurance to find you the right auto insurance coverage in West Virginia! If you’re searching for auto insurance in Beckley, WV, the insurance professionals at Wickline Insurance Agency can help you find the right coverage at the right price from any of our great insurance companies. As an independent insurance agent in West Virginia, Wickline offers insurance from some of the best insurance companies in the state. If you are ever involved in an accident, or an unexpected mishap with your car, you can be rest assured that you are covered by the car insurance policy that will protect you and your family. With Wickline Insurance in Beckley, your auto insurance coverage will be set up the way you want it and the way you need it. Our team of insurance professionals are here to help you find an affordable auto insurance plan, complete with all the discounts you deserve and exactly the coverage you need. In most states, auto insurance is a requirement. You must have at least liability coverage in West Virginia. Liability coverage pays for losses you cause others. Wickline Insurance carries a full line of auto insurance as well, including no-fault insurance, collision insurance, and comprehensive. We write personalized insurance policies for any of our clients in Beckley and the surrounding areas such as Crab Orchard, Fayetteville and Mt. Hope. We understand that needs and circumstances vary for our clients, so we work with you on an ongoing basis to keep current on the coverage you need at different times in your life. If you are looking for auto insurance, or any insurance for that matter, you will want to take a look at Wickline Insurance, out of Beckley, West Virginia. Request an appointment or stop in to talk to one of our professional insurance agents, to work up an auto insurance quote that will work for you. We are conveniently located to be near you and live in your community. Wickline Insurance 330 Harper Park Drive Suite A Beckley, West Virginia 25801 Call 304-252-1483 Fax 304-253-1761 Email [lewicklineii [at] wicklineinsurance [dot] com](mailto:lewicklineii [at] wicklineinsurance [dot] com) Hours 9:00 AM - 5:00 PM, M - F ## How much auto insurance is right for you? Our [team of insurance professionals](https://www.wicklineinsurance.com/staff-directory) understands the West Virginia car insurance needs of our customers. **Auto insurance requirements vary by state.** In some states, to drive you must carry: - **Liability** coverage to pay for losses you cause others - **No-fault** coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault - Both **liability** and **no-fault** coverage. We write insurance in West Virginia, Pennsylvania, Virginia, and Ohio and would be happy to help you ensure you have the right car insurance coverage. Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes: - **Collision Insurance** Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost. - **Comprehensive Insurance (Other than Collision)** Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed. **Every person is unique** – [talk to us today](https://www.wicklineinsurance.com/contact) to find out how to get the best price and value on West Virginia car insurance for you. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/auto-insurance/quote) ## Insurance Partners [Liberty Mutual — Progressive — Travelers — Hartford — State Auto — Foremost — Encompass — Hagerty — American Modern — Dairyland Insurance — National General Insurance — Allstate — Nationwide — Zurich — Celina — AEGIS — RLI — Hallmark — RPS — Encova — Highmark BCBS — Farmers and Mechanics — Berkshire Hathaway Homestate Companies — Westfield — RT Specialty — Amerisafe — GEICO — Frederick Mutual — Panhandle Farmers Mutual — Safe Insurance](/insurance-companies) ## Testimonials You don't have to take our word for it. Check out what our customers say about us. [View Testimonials](/testimonials) ## Connect Online - [Facebook](https://www.facebook.com/WicklineInsuranceAssociates) - [Yelp](https://www.yelp.com/biz/wickline-insurance-associates-beckley-4) ## Frequently Asked Questions About West Virginia Car Insurance What is the difference between actual cash value and replacement cost? **Actual cash value** generally reflects a vehicle’s value at the time of loss, considering factors like age and depreciation. **Replacement cost** refers to the amount needed to replace an item with a similar one. What is a policy endorsement in auto insurance? A policy endorsement is a modification that changes or adds to the terms of an insurance policy. It can be used to adjust coverage, limits, or conditions. Endorsements become part of the policy once issued and may affect how coverage applies. What are auto insurance coverage limits? Coverage limits are the maximum amounts defined in a policy for different types of claims. These limits can apply per person, per accident, or per type of loss. Selecting appropriate limits is an important part of structuring a policy. What is uninsured and underinsured motorist coverage? Uninsured and underinsured motorist coverage is intended to provide protection when another driver has no insurance or not enough coverage. It is typically subject to your policy’s limits and terms, and availability or requirements can vary. What is gap insurance? Gap insurance can help cover the difference between a vehicle’s value and the remaining balance on a loan or lease. It is commonly associated with financed or leased vehicles. Availability and terms vary by policy. * * * **Start your quote online or contact our office to find out how we can help you find a policy that fits your needs.** [Start Your Quote](/auto-insurance/quote) ```json {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the difference between actual cash value and replacement cost?","acceptedAnswer":{"@type":"Answer","text":"Actual cash value generally reflects a vehicle’s value at the time of loss, considering factors like age and depreciation. Replacement cost refers to the amount needed to replace an item with a similar one."}},{"@type":"Question","name":"What is a policy endorsement in auto insurance?","acceptedAnswer":{"@type":"Answer","text":"A policy endorsement is a modification that changes or adds to the terms of an insurance policy. 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