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Cheap Washington Auto Insurance

Cheap Washington auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Washington.

Looking for cheap auto insurance in Washington? It’s not one of the easiest things to do without a helping hand. There’s just a lot to wade through, and to be honest, some of it can be pretty confusing. We take the hassle out of the process – getting to the heart of the matter. Our free quote tool assures that you find exactly what you’re looking for in the shortest amount of time. That allows for the person to make the informed decisions while we do all of the legwork.

Washington Auto Insurance Law
Understanding the car insurance law in this state is key to obtaining cheap auto insurance in Washington. Under Washington law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy for legal reasons. In fact, the auto insurance company may make this request for persons with a poor driving history which pose a higher risk. You as the policy owner may also exclude members of your household from coverage by an insurance policy. If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. All exclusions must be either stated in the policy or on an endorsement and can generally be found in the exclusions section of your policy along with all the other circumstances which preclude the insurance policy paying a claim.

If you have an auto policy you cannot let it lapse. A lapsed policy is considered the same as not having any insurance at all – and that’s illegal. You must replace the policy immediately or risk paying high fines and higher insurance rates, and considering that there are many avenues for cheap Washington auto insurance, you won’t have to suffer. Providing inaccurate or false information will result in a misdemeanor charge. Some insurance companies will give you better rates if you insure for more than the state mandatory minimums. Lack of prior insurance coverage due to never owning a car cannot be held against you as long as you have never violated the Washington Mandatory Insurance Laws.

Washington is a tort state which means you can be personally sued for injuries, deaths, and damages beyond the amounts your insurance policy covers. The average insurance premium in Washington averages about $839.00 and has the 17th most expensive auto insurance premiums in the nation as of 2006.

General Practices of Washington’s Car Insurance Companies
The state of Washington allows insurance companies to check your credit history when they set your premium, determine which products they will offer and set the frequency of you premium payments. They will also set your insurance risk score. The company may ask you to explain any bankruptcies, judgments, or credit problems. The insurance company will also use other criteria such as your driving record, age, type of vehicle you drive and the area where you live to determine your premium rates.

Reducing Premiums
There are quite a few other things that a person can do to reduce the rates further – making for real cheap auto insurance in Washington. Some things you can do to reduce your premiums are to maintain a clean driving record, and drive a vehicle with a good safety rating. Other things that can affect your insurance are the area where you live and work and the traffic volume in that area. If you have a teenage driver, it may be less expensive to include them on the family policy. Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums. Your age, the age of your car as well as its condition and the type of vehicle you drive, your gender, and your marital status will play a factor in the cost of your auto insurance premiums. Be aware of the vehicles which are targets of thieves and try to buy cars which are not on the following top ten stolen list.

1. 1996 Honda Accord
2. 1995 Honda Civic
3. 1990 Toyota Camry
4. 1994 Dodge Caravan
5. 1996 Jeep Cherokee/Grand Cherokee
6. 1997 Ford Taurus
7. 1994 Plymouth Voyager
8. 1997 Ford Explorer
9. 2004 Chevrolet Cavalier
10. 2004 Ford F150

All in all, trying to find cheap auto insurance in Washington isn’t as hard as it seems – when you have help. Fortunately enough, we’ve been providing this service for quite some time now, and we’re honestly good at it. Our quote tool is constantly improving to cater to everyone’s specific needs. We’ve only wanted people to save money and that’s what we do.

Useful links:
Washington Division of Motor Vehicles
Washington Division of Insurance
Washington Department of Revenue

Washington minimum requirements
Bodily Injury Per Person: $25,000.00 Limit
Bodily Injury Per Accident: $50,000.00 Limit
Property Damage Per Accident: $40,000.00

Washington auto insurance requirements and laws >>

Cheap teen auto insurance in Washington
Washington DUI laws