Kerby Insurance
216 Market St # 208
Spencer, WV 25276-1300
Phone: (304) 927-2544 | Fax: (304) 927-6199
Kerby Insurance provides residents of Spencer with advice and guidance to help them meet their insurance needs. Call (304) 927-2544 for a no obligation quote or stop by at 216 Market St # 208. Servicing Spencer and the entire Roane county region.
Looking for insurance agents in Spencer, WV or just trying to lower your premiums? These tips may help.
- Kerby Insurance may be able to help you determine the insurance policy that's right for your specific needs.
- Your Spencer auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Higher homeowner's insurance deductibles can give you substantial savings if you own a home in Spencer. You'll have to pay more out-of-pocket if you have an insurance claim, but if your claims are infrequent, you may come out way ahead by raising your deductibles and pocketing the savings.
- Safe drivers pay less for car insurance. If you tend to drive too fast, have minor fender benders, or repeatedly run red lights, you will pay higher car insurance rates. Conversely, if you are a good driver and do not file frequent claims with your West Virginia insurance company, then you will be rewarded with lower rates.