Washington Auto Insurance Quotes » Auto Insurance Washington

Shop Washtington Auto Insurance Rates

Paul — Thu, 17 Sep 2009 17:31:36 +0000

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While shopping for Washington Car Insurance online you aim to find the most protection for the lowest value. Correct?

Let's face it. Shopping for car insurance isn't fun. It can become confusing and who wants to talk with boring insurance sales people all the time.

Well, here's the reality of what you need to consider while shopping.

Liability protection – The one auto insurance protection option that's mandatory by Washington law. This will include bodily injury and property damage liability coverage. It protects you by paying the persons you smash into after you're determined to be at fault for an accident. Washington state minimum auto liability coverage is 25/50/10.

Uninsured and underinsured motorist coverage – These protect you and your pasenger favor bodily injury you receive after you're hurt by a driver who doesn't maintain any (uninsured) or an adequate amount of (underinsured) liability protection that's required by law.

Collision protection – This pays for injury to your auto, minus your deductible, after your vehicle is involved in an accident.

Comprehensive coverage – This pays for damage to your auto, minus your deductible, for claims other than an accident. These includ theft, vandalism, acts of God, and so on. You also are allowed to maintain a $0 deductible for glass only claims added to your comprehensive coverage protection, as an option.

If you instruct your agent that you need “full coverage” for your car insurance, as you notice this means you can include many options. Every protection option has multiple choices and levels of protection which can grow to be very confusing.

While shopping, take time to locate an agent or insurance broker to facilitate shopping your Washington Auto Insurance for you. Also, find multiple insurance companies to shop premium and protection for you. Using an insurance broker like this won't cost you any additional money and will often save you a lot of extra cash over time.

Auto Death Rate Down, Auto Insurance Rates Up?

Paul — Sun, 13 Sep 2009 21:31:50 +0000

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In July, the US Department of Transportation announced that 2008 auto deaths was the lowest number since 1961. Their reasons are increased use of seat belts, curtailing impaired drivers, improved highway safety and improved vehicle safety.

This is obviously good news and we hope to see these numbers continue to decline. Hopefully, we’ll see these number reflect in Washington Auto Insurance rates over the long run however, as you’ve probably noticed, rates don’t seem to go down often.

Your auto insurance rates are based on more than death rates. As you know, accidents and claims, even when there is not death, contribute to the cost of car insurance. Until these begin to decline, rates will continue to rise.

Naturally, you can do your thing by shopping rates and finding the company that has the best rates for you now. This is the only way for you to really control your Washington auto insurance rates.

Washington Auto Insurance Minimum Requirements

Paul — Mon, 24 Aug 2009 14:23:40 +0000

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The state of Washington requires you carry auto liability insurance on your vehicles. That is all. So, what does this cover and what are the minimum Washington Auto Insurance requirements?

Washington requires you carry liability insurance in case you’re at-fault for an accident. This coverage will pay for the damages, up to the policy limits, to the person you injure and the property you damage when you’re at-fault for the accident and are held legally liable.

Washington state auto insurance laws currently require you carry:

$25,000 per person bodily injury liability
$50,000 per accident bodily injury liability
$10,000 property damage liability

So, what do those numbers mean?

The first $25,000 is how much your policy would pay if you injure someone in an accident. No one person would receive more than $25,000 from your policy.

The $50,000 per accident is the most the policy would pay for all people injured in an accident.

The $10,000 for property damage liability is for things you hit. So, if you hit a car, light pole, house, fence, etc. it would pay damages to repair the damaged property, not people.

While this coverage is the minimum required by law you can always purchase more. We do encourage you to do so when you can afford it as it will provide you better protection if you when you have an accident.

The state minimum required coverage will be your least expensive option but will also not give you coverage to repair your car or truck if it’s in an accident. If that doesn’t matter and you want the cheapest Washington auto insurance then you can choose this option.

To compare rates for your Washington Auto Insurance, start filling out the form here…