Are you a resident of the beautiful evergreen state? When shopping for car insurance you must be knowledgeable of Washington states laws and requirements for auto coverage. As an automobile owner in Washington, you must be insured for a minimum of $25,000 for bodily injury liability. The maximum coverage for bodily injury liability is $50,000. In the event of a collision, bodily injury coverage will cover the other partys medical bills and can protect your assets in a lawsuit. If your bodily injury coverage is too low, you may be risking your home and savings. You are held responsible for paying anything that falls above your insurance limits.
Washington drivers must also possess property damage insurance up to a $10,000 limit. Property damage includes the other persons car or any other property that is damaged in the result of an accident (fence, house, etc).
Washington operates under a Tort system, which means that one party must be found a fault in the event of a collision. This party will be responsible for paying for damages, which is why good insurance is vital.
Obtaining the minimum insurance requirements will put you within the margins of law; this DOES NOT mean you have great coverage. Lenders and leasers will undoubtedly require collision or comprehensive insurance. This will protect your car when it is damaged by other cars, affected by adverse weather (flood), or even stolen.
So how does one afford good car insurance? If your driving record is blemish free, you may fall into the preferred market tier. Your safe driving will be awarded with low insurance premiums. If your driving record isnt so clean, you may be part of the non-standard market. The non-standard market includes teen drivers who lack experience, drivers who have had multiple tickets or collisions, and drivers with drunk driving infractions. The good news is that non-standard drivers have the chance to lower their premiums after a year or so of clean driving. There are other factors that effect car insurance price as well, including the type of vehicle you drive and even the safety features on that vehicle. No matter what category you are in, it is important to compare car insurance quotes. This can be done easily online.
Research is important, because sticking to one great insurance company can help you tremendously down the road. Loyal customers are more likely to receive better deals year after year. Make it easy on yourself , shop for quotes online.
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