Lamar Car Insurance Review {2024}
Lamar Insurance is an independent agency located in West Virginia. The company helps drivers find affordable quotes that meet their coverage needs. If you live outside of West Virginia, you won't be able to use Lamar Insurance's services.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Nov 25, 2024
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 25, 2024
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Lamar Insurance is an independent insurance agency
- Lamar Insurance can help drivers find SR-22 insurance
- Only West Virginia drivers can use Lamar Insurance’s services
Drivers are required to have car insurance in almost every state, but with so many insurance companies flooding the market, it can be difficult to find the right policy for your needs.
Luckily, West Virginia drivers who are in need of SR-22 insurance, class car coverage, or standard insurance can contact the Lamar Insurance company. A local company that only provides West Virginia car insurance, Lamar Insurance can easily be your one-stop shop for all your insurance needs.
Keep reading this Lamar Insurance review to learn more about this local company, the insurance products it offers, and how you can lower your rates.
Does Lamar Insurance offer competitive rates?
Sample rates are one of the few pieces of information not listed on the Lamar Insurance website. You’ll need to get a quote from the company to learn how much you may pay for your coverage, but you should be aware that many factors feed into your rate calculation. These factors can include your age, car type, credit score, and address.
Now, if you live outside of West Virginia, you can use the chart below to find the average car insurance rates by state:
Average Yearly & Monthly Full Coverage Auto Insurance Rates by State
| State | Average Annual Car Insurance Rates | Average Monthly Car Insurance Rates |
|---|---|---|
| Alabama | $837.09 | $69.76 |
| Alaska | $1,050.09 | $87.51 |
| Arizona | $900.18 | $75.02 |
| Arkansas | $951.75 | $79.31 |
| California | $939.52 | $78.29 |
| Colorado | $1,132.78 | $94.40 |
| Connecticut | $981.77 | $81.81 |
| Countrywide | $1,215.69 | $101.31 |
| Delaware | $1,324.39 | $110.37 |
| District of Columbia | $1,208.77 | $100.73 |
| Florida | $991.25 | $82.60 |
| Georgia | $858.16 | $71.51 |
| Hawaii | $673.13 | $56.09 |
| Idaho | $854.10 | $71.18 |
| Illinois | $728.93 | $60.74 |
| Indiana | $683.67 | $56.97 |
| Iowa | $850.79 | $71 |
| Kansas | $917.49 | $76.46 |
| Kentucky | $1,364.17 | $113.68 |
| Louisiana | $689.12 | $57.43 |
| Maine | $1,096.37 | $91.36 |
| Maryland | $1,107.76 | $92.31 |
| Massachusetts | $689.12 | $57.43 |
| Michigan | $1,264.20 | $105.35 |
| Minnesota | $856.62 | $71.39 |
| Mississippi | $957.59 | $79.80 |
| Missouri | $845.39 | $70.45 |
| Montana | $868.55 | $72.38 |
| Nebraska | $805.99 | $67.17 |
| Nevada | $1,083.42 | $90.29 |
| New Hampshire | $795.50 | $66.29 |
| New Jersey | $1,379.20 | $114.93 |
| New Mexico | $920.42 | $76.70 |
| New York | $1,327.82 | $110.65 |
| North Carolina | $768.28 | $64.02 |
| North Dakota | $768.09 | $64.01 |
| Ohio | $766.66 | $63.89 |
| Oklahoma | $985.58 | $82.13 |
| Oregon | $894.10 | $74.51 |
| Pennsylvania | $950.42 | $79.20 |
| Rhode Island | $1,257.40 | $104.78 |
| South Carolina | $936.69 | $78.06 |
| South Dakota | $744.28 | $62.02 |
| Tennessee | $855.56 | $71.30 |
| Texas | $1,066.20 | $88.85 |
| Utah | $852.66 | $71.06 |
| Vermont | $746.79 | $62.23 |
| Virginia | $836.14 | $69.68 |
| Washington | $952.10 | $79.34 |
| West Virginia | $1,032.45 | $86.04 |
| Wisconsin | $716.83 | $59.74 |
| Wyoming | $844.33 | $70.36 |
If the rates in your state look high, remember that your rates could be very different from those shown above. You can even take steps to reduce your insurance rates by practicing safe driving techniques like leaving adequate space between you and a car in front of you or by keeping your cell phone out of sight while driving.
While being a defensive driver may not eliminate the risk of getting into an accident, it will reduce your chances of being involved in one. Limiting the number of accidents on your record shows insurance companies that you are a low-risk driver and can earn you a lower rate over time.
Read More: Rhode Island Car Insurance (Coverage, Companies, & More)
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Coverage Options Offered by Lamar Car Insurance
Since Lamar Insurance representatives will look for coverage options that you request, you can expect to have these coverage types available to you:
| Type of Coverage | Required or Optional |
|---|---|
| Liability | Required |
| Collision | Owned Vehicle: Optional Leased or Financed Vehicle: Required |
| Comprehensive | Owned Vehicle: Optional Leased or Financed Vehicle: Required |
| Personal Injury Protection (PIP) | Required in some states with "no fault" laws |
| Medical Payments (MedPay) | Required in some states with "no fault" laws |
| Uninsured/Underinsured Motorist Coverage | Required in many states |
| Guaranteed Auto Protection (GAP) | Optional |
| Personal Umbrella Policy (PUP) | Optional |
| Rental Reimbursement | Optional |
| Emergency Roadside Assistance | Optional |
| Mechanical Breakdown Insurance | Optional |
| Non-Owner Car Insurance | Optional |
| Modified Car Insurance Coverage | Optional |
| Windshield Coverage | Optional |
Lamar Insurance offers a range of coverage options to meet the diverse needs of West Virginia drivers. Their ability to tailor insurance solutions to individual specifications sets them apart as an independent insurance agency. When you work with Lamar Insurance, you can expect the following coverage types:
- Liability Insurance: This basic coverage is mandatory in most states, including West Virginia. It covers bodily injury and property damage liability, helping you pay for damages and medical expenses if you’re at fault in an accident.
- Comprehensive Coverage: This coverage protects your vehicle from non-collision incidents, such as theft, vandalism, and weather-related damage.
- Collision Coverage: In the event of a collision with another vehicle or object, collision coverage helps pay for your vehicle’s repairs.
- Personal Injury Protection (PIP): PIP coverage can help with medical expenses and lost wages for you and your passengers, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This coverage safeguards you if you’re involved in an accident with a driver who has insufficient or no insurance.
- Classic Car Insurance: Lamar Insurance collaborates with The Hartford, enabling them to offer coverage for classic cars. This specialized insurance is designed to protect vintage and collectible vehicles.
- SR-22 Insurance: Lamar Insurance can assist drivers in obtaining SR-22 insurance, which is often required for individuals with a history of driving violations.
- Additional Coverage Options: Lamar Insurance will work with you to tailor your policy further, allowing you to add endorsements like roadside assistance, rental car coverage, or increased liability limits.
- Other Insurance Products: Lamar Insurance also provides a range of insurance products beyond auto insurance. These may include snowmobile insurance, renter’s insurance, and more, making it a convenient one-stop shop for various insurance needs.
If you are looking for more extravagant car insurance options, you can leave a detailed note in the Lamar Insurance online quote tool specifying what types of insurance coverage are necessary to protect your vehicle. It is important to note that since Lamar Insurance works closely with The Hartford, you could potentially even purchase classic car insurance through Lamar Insurance.
Available Discounts at Lamar Car Insurance
At Lamar Insurance, they understand the importance of providing cost-effective insurance solutions. To help you save on your auto insurance premiums, they offer a range of discounts that may apply to your policy. These discounts can make your coverage more affordable without sacrificing the quality of protection. Some of the potential discounts available through Lamar Insurance include:
- Safe Driver Discount
- Multi-Policy Discount
- Good Student Discount
- Defensive Driving Course Discount
- Safety Features Discount
- Pay-in-Full Discount
- Loyalty Discount
- Auto Club Membership Discount
- Low Mileage Discount
- Military and Veterans Discount
To determine which discounts apply to your policy and maximize your savings, it’s advisable to discuss your options with a Lamar Insurance representative. They can help you identify the discounts for which you qualify and tailor your policy accordingly.
Lamar Insurance: A Guide to the Claims Process
Ease of Filing a Claim
Lamar Insurance offers its customers multiple options for filing insurance claims, ensuring convenience and accessibility. While the company does not provide an online claim filing system, you can easily file a claim over the phone.
Additionally, Lamar Insurance’s website offers a claims tool that helps you find the correct claims department phone number for your specific policy, streamlining the process further. The availability of phone-based claim filing and the user-friendly online tool make it relatively easy for customers to initiate a claim with Lamar Insurance.
Average Claim Processing Time
Lamar Insurance does not specify its average claim processing time on its website. To obtain information on claim processing times, it is recommended to reach out to the company directly. The actual processing time may vary depending on the complexity of the claim and other factors.
Customer Feedback on Claim Resolutions and Payouts
According to customer reviews on Google, Lamar Insurance receives positive feedback for its claim resolutions and payouts. The company holds a commendable rating of 4.7 out of 5 stars, reflecting satisfied customers who have experienced favorable outcomes with their insurance claims.
For more specific information on customer experiences, it is advisable to read individual reviews or contact Lamar Insurance directly for testimonials.
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Lamar Insurance: Pioneering Digital and Technological Advancements
Mobile App Features and Functionality
Lamar Insurance offers a mobile app to enhance the digital experience for its customers. The app is designed to provide convenience and accessibility, allowing policyholders to manage their insurance needs on the go.
While specific features and functionalities of the app may vary, it typically includes capabilities such as policy management, bill payment, and access to important policy documents. The Lamar Insurance mobile app aims to simplify insurance-related tasks and provide a seamless user experience.
Online Account Management Capabilities
Customers of Lamar Insurance can take advantage of online account management features through the company’s website. While the website does not offer online claim filing, it provides tools and resources for policyholders to manage their accounts efficiently.
You can use the website to pay your policy premiums, access policy documents, and make updates to your coverage as needed. Lamar Insurance’s online account management capabilities are designed to empower customers with easy access to essential policy information.
Digital Tools and Resources
In addition to its mobile app and online account management, Lamar Insurance offers various digital tools and resources to assist policyholders. These resources may include educational content, FAQs, and guides to help customers navigate the insurance process effectively.
Lamar Insurance’s commitment to providing digital tools and resources reflects its dedication to empowering customers with knowledge and support in managing their insurance policies.
Customer Reviews
When evaluating an insurance provider, the experiences of current and past customers can provide valuable insights into the quality of service and overall satisfaction.
Lamar Insurance maintains a strong presence on Google Reviews, with an impressive average rating of 4.7 out of 5 stars. Many customers have lauded the company’s service, citing their dedication to finding affordable coverage options tailored to individual needs. The positive reviews often highlight the company’s professionalism, user-friendly website, and the accessibility of their agents.
Customers have praised Lamar Insurance for its ability to deliver insurance solutions that match their coverage requirements while staying within their budgets. The user-friendly website, which facilitates direct communication with the company, has also been well-received.
Customers have commended the company for its professionalism and responsiveness. Lamar Insurance’s agents are often described as helpful and knowledgeable, making the insurance shopping and policy management processes more convenient.
The overall positive feedback from Lamar Insurance customers on Google Reviews suggests that the company has been successful in delivering on its commitment to providing tailored insurance solutions with a focus on affordability and user-friendliness.
When considering Lamar Insurance for your auto insurance needs, you may want to explore more customer reviews, gather additional information from their website, and reach out to their representatives for a personalized consultation. Assessing customer reviews alongside other factors can help you make an informed decision about your insurance provider.
History of Lamar Insurance
Founded in 2001, Lamar Insurance is an independent insurance agency that services the populous of West Virginia. Since Lamar Insurance representatives aren’t captive agents, this company can scour the insurance marketplace to get you quotes that fit your specifications. Lamar Insurance can help you get car insurance quotes from insurance companies like:
- AAA
- Dairyland
- Farmers & Mechanics Mutual Insurance Company
- Foremost
- MetLife
- National General Insurance
- Progressive Insurance
- Safeco Insurance
- State Auto Insurance Companies
- The Hartford
Another winning feature is the Lamar Insurance website. Simple in design, this company’s website is effective, clear-cut, and incredibly user-friendly for older and younger drivers. For example, although you can’t file a claim online with Lamar Insurance, you can use the Lamar Insurance claims tool to find the correct claims department phone number for your policy.
You can even use the Lamar Insurance payment tool to find exactly where you need to go to pay for your policy and keep it in good standing.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.