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Low cost Washington car insurance quotes have never been easier
to compare before now. FinancialOne.com offers free instant
auto insurance rates, to help educate you on how to shop the
market for the most competitive auto coverage rates locally.
Even though people want maximum coverage at minimal cost, they
tend to stick with companies their friends and family members
use. It is important to use a reliable company, however this
can cost them hundreds of dollars annually if they dont find
a company that fits their specific needs. Due to the fact everyone
is different depending on their type of vehicle, age of car,
driving record, and accident history. There are a number of
ways to get a reliable insurance with the most competitive rates,
shop around, check for discounts, select a higher insurance
deductible, and reduce coverage on older vehicles. Shopping
the market for auto insurance coverage and educating yourself
on Washington's insurance laws will assist you in getting the
best Washington auto insurance to keep you legal, but save you
money as well. FinancialOne.com can help save you time decide
which company is the right for you.
Cheap Car Insurance Rates WA - Washington
Auto Insurance Rates
The average premium for car insurance for the citizens of
Washington is $1,940 in 2009; $144.00 higher than the nation's
average of $1,796. Comparing your current car insurance rates,so
now it is the perfect time to oshp for new low rates on your
auto insurance with FinancialOne.com.
Auto Insurance Requirements in Washington | Washington Auto
Insurance Coverage
Washington state law requires minimum Bodily Injury
Liability limits of $25,000 per injured person up
to a total of $50,000 per accident, and Property Damage Liability
coverage with a minimum limit of $10,000. This basic coverage
has often referred to as 25/50/10 coverage.
The state of Washington follows a Tort system meaning someone
must found to be at fault for causing the accident, and that
person and their insurance company is responsible for all
the damages. You should be aware that the details of a tort
system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily
Injury coverage to cover bodily injury caused by an
uninsured and/or underinsured driver (depending on the state).
Washington does not require drivers to purchase this coverage,
but you should consider purchasing this valuable coverage.
Proof of Insurance and Financial Responsibility
You must carry proof of financial responsibility in your
vehicle, always.
* The auto insurance company will give you a card with
your name, policy number, effective and expiration dates,
and a vehicle description.
* If you have a certificate of deposit, have the certificate
number from the State Treasurer and the driver’s name
printed out.
* Self-insured vehicles should have the Self-Insurance
Certificate number for the Department of licensing, effectivedate,
name of driver, and description of the vehicles.
* Liability bondholders should have the bond number and
names of the Bond Company and driver.
Auto Insurance Laws in Washington
Penalties for Failure to Maintain Financial Responsibility
for Car Insurance in Washington
If you have no proof of insurance and you are involved in
an accident or traffic stop, you will be assuming to have
no insurance and fined $450. Because this is a traffic infraction,
you will then have to clear the fine through the courts. Showing
false proof of financial responsibility is a misdemeanor.
Below has given insurance coverage summery in the tabulated
and comprehensive format of the state of Washington.
| Coverage |
State Requirements |
Most Common |
| Bodily Injury Liability |
$25,000/$50,000 |
$100,000/$300,000 |
| Property Damage Liability |
$10,000 |
$50,000 |
| Uninsured Motorist Bodily Injury |
Not Required |
$100,000/$300,000 |
| Medical Payments |
Not Required |
$10,000 |
| Collision Coverage |
Not Required |
$500 Deductible |
| Comprehensive Coverage |
Not Required |
$100 Deductible |
| Personal Injury Protection (PIP) |
Not Required |
$100,000 Medical Expense Limit |
Competitive Car Insurance in Washington
-Tips & Tactics
Helpful advice for making the most of this Guide
* Get price quotes from at least three different Washington
auto insurance companies. You may also be able to get a comparison
of prices charged by major providers of auto insurance. WA
premiums will also be partially base on your vehicle's sticker
price, repair costs, safety record, and likelihood of theft.
* Join a state assigned risk pool if you have difficulty finding
Auto insurance in Washington. Each insurer in a state assigned
risk pool must accept the drivers that are assign to it and
keep the profit or pay the loss associated with that customer.
It has suggested that you compare financialone.com for your
auto insurance in Washington to obtain quotes for multiple
types of coverage from multiple car insurance companies in
order to make a decision on coverage you want and can afford.
Local Auto Insurance is available in all of Washington
* Seattle Auto Insurance
* Spokane Auto Insurance
* Tacoma Auto Insurance
* Vancouver Auto Insurance
* Bellevue Auto Insurance
* Everett Auto Insurance
* Federal Way Auto Insurance
* Kent Auto Insurance
* Yakima Auto Insurance
* Bellingham Auto Insurance
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