Knowing the minimal requirements by law as well as various other factors that are used to calculate premium rates for Seattle auto insurance coverage is important when searching for the best rates. You can find a great rate for your coverage by knowing what is needed to protect you financially in the event of an accident.
Understanding all the intricacies of an auto insurance policy can be very difficult to understand. With many different coverage options available and different requirements if every state researching your options is important. It is also important to maintain good credit report standing as some insurance companies base their premiums and rates upon them.
Because there are so many options available in relation to auto insurance policies, take time to research what you want and need and insure that you save money on your policy. Washington requires that each driver meet certain requirements to be able to drive on its roads. Surprisingly, your type of vehicle may affect your premium rates more than your driving record.
Insurance premium rates in Washington are higher than in most other states. The harsh cold climate is one reason for these high rates. In freezing weather roads become slick and the occurrence of accidents increase.
The mandated coverage for drivers in Washington is called 25/50/10 coverage. This means a person driving on its roads must have $25,000 of bodily injury per person and $50,000 for bodily injury in total after an accident. Additionally drivers must have $10,000 property damage liability coverage to pay for damages.
Washington state uses what is called a "tort system," which means that someone must always be found at fault after an accident. This individual and their insurance company will be held responsible for paying damages that came about because of the accident.
The state does not require drivers to carry Personal Injury Protection or uninsured/underinsured motorist coverage. Since these types of coverage pay for your damages in the event of an accident you should consider asking your insurance company about adding them to your policy.
Understanding all the intricacies of an auto insurance policy can be very difficult to understand. With many different coverage options available and different requirements if every state researching your options is important. It is also important to maintain good credit report standing as some insurance companies base their premiums and rates upon them.
Because there are so many options available in relation to auto insurance policies, take time to research what you want and need and insure that you save money on your policy. Washington requires that each driver meet certain requirements to be able to drive on its roads. Surprisingly, your type of vehicle may affect your premium rates more than your driving record.
Insurance premium rates in Washington are higher than in most other states. The harsh cold climate is one reason for these high rates. In freezing weather roads become slick and the occurrence of accidents increase.
The mandated coverage for drivers in Washington is called 25/50/10 coverage. This means a person driving on its roads must have $25,000 of bodily injury per person and $50,000 for bodily injury in total after an accident. Additionally drivers must have $10,000 property damage liability coverage to pay for damages.
Washington state uses what is called a "tort system," which means that someone must always be found at fault after an accident. This individual and their insurance company will be held responsible for paying damages that came about because of the accident.
The state does not require drivers to carry Personal Injury Protection or uninsured/underinsured motorist coverage. Since these types of coverage pay for your damages in the event of an accident you should consider asking your insurance company about adding them to your policy.
About the Author:
Steve Turner is a great advantage when trying to locate the best Seattle auto insurance rates. Seattle Auto Insurance Rates Steve Turner can give you countless tips on how to locate the right Seattle auto insurance coverage for you.
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