Bob Payne Insurance

Tips for Finding an Agent

• Do not rely on yellow page ads
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents only work for one company
• Follow your instincts regarding the integrity of the agent

Insurance Buying Tip

When shopping for car insurance in Welch, talk to your agent about increasing your physical damage deductibles to save money Car insurance rates are lower when you choose to pay slightly more at claim time. Call Bob Payne Insurance at (304) 436-2378 or talk to them in Welch for an insurance review.

Frequently Asked Questions

• How can I find an agent in Welch?
• Should I raise my deductibles?
• What are minimum liability requirements in West Virginia?
• Should I carry full coverage?
• How can I find cheaper car insurance for my teenager?