Washington Car Insurance Laws, Rates, and Minimums
Looking for the most efficient way to shop for auto insurance in Washington?
OnlineAutoInsurance.com helps you instantly and easily compare online car insurance quotes from various quality companies by simply completing one form. You can even choose to purchase your policy online and receive instant proof within minutes.
With the help of the Internet, getting Washington auto insurance quotes doesn't have to be a time-consuming task with the help of the Internet. Through our appointed and affiliate companies, OnlineAutoInsurance.com allows consumers to compare up to 4 rates from 15 leading companies.
What information is needed to compare quotes?
There isn't much information required to get multiple quotes. Make sure to have available basic information such as birth dates of drivers and whether they have had any accidents or violations in the past. Also, shoppers will need to have the year, make, and model of the vehicles they're looking to insure. Personal information is not needed for quotes; however, it does help providing information such as driver's license numbers in order to get a more accurate rate, but is only needed at time of purchase.
What affect auto insurance rates?
The rates of policies are based on multiple factors about the drivers, where they live, the vehicles, and the coverage desired. Insurers will check driving history to see what violations or accidents drivers have had in the past. The more tickets one has, of course, the higher the premiums. Other information such as credit score can be used by carriers to determine rates. Additionally, where one resides can affect rates. If a driver lives in a high-traffic area, they are more likely to be involved in an accident; therefore, their rates are probably going to be a bit higher than someone living in a low-traffic zone. Try to take advantage of discounts. Most discounts are automatically provided such as marriage discounts, multi-car discounts and more. Be sure to answer all questions accurately so that rates are accurate as well. For more information, learn how auto insurance companies determine rates from the Washington Office of the Insurance Commissioner.
Washington Auto Insurance Law
Washington state law requires vehicles to have at least the following coverage:
Liability Coverage-$25,000 bodily injury coverage per person
$50,000 bodily injury coverage total per accident
$10,000 property damage coverage per accident
There are a few exceptions to the WA car insurance laws such as when the owner has a certificate of deposit or when the insured car is an antique or collector vehicle over a certain age. Learn more on Washington auto insurance law courtesy of the Office of the Insurance Commissioner.
Keep in mind that the above coverage does not provide coverage for policyholders' injuries or damages to their vehicles. There are many other types of coverage available that should be considered when obtaining free quotes through OnlineAutoInsurance.com affiliates. Getting a Washington auto insurance comparison helps shoppers find cheaper rates.
Buy Washington Auto Insurance Online
Buying automobile policies online can be very convenient, not only because shoppers can compare rates and find cheap WA car insurance premiums but also because most online-based carriers also allow motorists to manage their policy online by logging into their account and making payments, checking policy status, and even filing claims.
Many consumers are taking advantage of the convenience the Internet provides when it comes to car insurance. Through our affiliates, OnlineAutoInsurance.com helps drivers not only complete a rate comparison but also purchase a policy right from the comfort of your home.
The state Office of the Insurance Commissioner has put together publication titled A Consumer's Guide to Auto Insurance In summary, it helps residents avoid unlicensed companies and also encourages shoppers to complete the necessary research.