Car Insurance That Fits Your Budget
We compare rates from multiple carriers to find you the best deal
Nobody loves paying for car insurance. We do the legwork to find you quality coverage at competitive rates.
Let's Talk About What You Actually Need
State Requirements in West Virginia
West Virginia law only mandates liability insurance—the coverage that pays when you damage someone else's property or cause injury. That's all the state requires. Liability won't fix your own car or pay your medical bills after an accident.
If You're Financing Your Vehicle
Your lender won't let you drive off the lot with just liability. They require full coverage— that means comprehensive and collision protection too. Makes sense from their perspective: they own the car until you pay it off, and they want it protected.
Why Insurance Feels Expensive
Nobody likes paying for something they're forced to buy and hope to never use. Car insurance hits your budget month after month, and when rates go up, it stings even more. We get it— it's a necessary expense that doesn't feel good.
Our approach is simple: check multiple companies, find you the best available rate, and make sure you've got real protection if something goes wrong. At least we can take the hassle out of shopping around.
What Coverage Actually Means
No jargon - just straightforward explanations
Liability Coverage
State law mandates this protection - it covers damage and injuries when you're at fault in an accident.
When an accident is your fault, liability insurance pays for the other driver's medical expenses, property damage, and legal costs. Important note: this doesn't cover YOUR injuries or repairs. West Virginia and Ohio both require minimum limits, but those minimums often aren't enough. We'll help you find the right amount of protection.
Uninsured/Underinsured Motorist
Protection for you and your family when hit by someone who can't pay for the damage they caused.
Plenty of drivers carry no insurance at all, or just bare minimum coverage. When they hit you, this coverage takes care of your medical bills, rehabilitation costs, and lost income. West Virginia requires this coverage; Ohio makes it optional. Either way, it's affordable protection you definitely want.
Comprehensive Coverage
Handles damage to your car from things other than crashes - animals, weather, theft, vandalism.
Deer collision? Covered. Hailstorm dents your hood? Covered. Someone steals your car? Covered. This protects against almost everything except actual vehicle-to-vehicle crashes. Lenders require it if you're financing or leasing. Even on a paid-off car, it's valuable protection against unexpected losses.
Collision Coverage
Fixes or replaces your vehicle after crashes - whether you caused it or someone else did.
Collision coverage kicks in when your vehicle hits another car, a building, a tree, or any object. Also covers rollovers and single-vehicle accidents. Required by lenders and lease companies. You pick your deductible amount - a higher deductible lowers your premium.
Rental/Loss of Use
Covers the cost of a rental vehicle while your car sits in the repair shop.
After a covered accident, you still need transportation to work, appointments, and daily errands. This coverage pays for a rental car or gives you a daily cash payment. The peace of mind costs just a few dollars per month.
Towing & Roadside Assistance
Emergency help when you're stranded - towing, battery jumps, flat tires, lockouts.
Dead battery? Flat tire? Ran out of gas? Locked out? This inexpensive add-on covers towing to a repair shop and common roadside emergencies. Usually just a couple dollars monthly and pays for itself the first time you need help.
Who We Help Get Covered
Whatever your situation, we have connections with insurers ready to work with you.
First-Time Drivers
Brand new to driving? We locate affordable coverage for beginners, including teens and new adults.
Spotless Records
Years without incidents? You deserve the best rates, and we make sure you get them.
DUI on Record
Moving forward after a DUI? We connect you with insurers who provide coverage options.
Previous At-Fault Crashes
Past accident on your record? We know which companies still offer reasonable coverage.
License Suspensions
Working to get your license reinstated? We help you find coverage to get back on the road.
Traffic Tickets
Got some speeding tickets? We find options even with points on your license.
Coverage Gaps
Insurance lapse in your history? We help you secure coverage again without hassle.
Most agencies turn away difficult cases. We believe everyone deserves a chance at coverage.
Ways We Cut Your Insurance Costs
Our job is finding you savings you didn't know were available.
Shopping Multiple Companies For You
You give us your information once, and we check rates across several different insurance companies. No need to spend your afternoon making phone calls—we handle the legwork and show you what we found.
Package Your Policies Together
When you combine your auto insurance with your homeowners or renters policy through one company, both policies typically cost less. We look for these bundling opportunities in every quote.
Good Driver Rewards
Clean driving record? Took a defensive driving class? Some insurers use tracking devices that reward safe driving habits. We connect you with programs that recognize and reward your responsible driving.
Covering Multiple Cars
Two or more vehicles in your household? Putting them all under one policy usually triggers automatic discounts. We run those numbers and show you exactly how much you save.
Our Service Comes At No Cost To You
We take care of forms, follow-ups, quotes, and questions on your behalf. Insurance companies compensate us directly, so our service is free for you—you just get the benefit of having someone in your corner.
Looking for a different location?
We also serve other areas in West Virginia
Jon Parrack Insurance
Serving Point Pleasant, Mason County (WV) & Southeast Ohio
Point Pleasant, WV