Washington state law mandates car insurance, yet finding an appropriate policy may be a challenging endeavor. Insurance providers charge different rates based on risk evaluation of each driver and coverage amounts selected; thus, finding one with optimal cost/protection balance can be tricky. MoneyGeek can assist by providing average monthly quotes from top insurers within Washington as well as information on how to select one according to individual needs.
Washington car insurance rates depend heavily on factors like coverage amount and type selected, credit score, driving record and age. Washington’s minimum requirement for auto insurance covers per-person bodily injury liability of $25,000 with total bodily injury liability covering $50K total and $10K property damage liability; for added peace of mind it may also include collision and uninsured/underinsured motorist protection coverages.
Addition of teen drivers can significantly raise your premium, as teens are prone to car accidents due to being inexperienced drivers on the road and have nearly 200% higher fatal crash rates than drivers aged 20 and above.
Poor credit can drive up insurance premiums in Washington. Insurers take this into account as evidence that you may struggle to pay your auto premium on time. Furthermore, any at-fault accidents or DUI convictions will also have an effect on Washington rates.
When comparing Washington car insurance rates, it’s essential to take each insurer’s financial stability, price and coverage options as well as customer service into consideration. Furthermore, you should check any organization such as JD Power or Better Business Bureau as well as online reviews in order to establish customer satisfaction ratings for them.
While no single policy fits all circumstances when searching for car insurance in Washington, you should still be able to find an ideal policy that fits both your budget and needs. To make it simpler follow our tips above – ultimately you want an insurer that offers both affordability and service that’s tailored specifically to you and once done your research start requesting quotes so you can compare car insurance prices before finding what best meets them both! Good luck and thank you for reading!