Finding the Best Seattle Auto Insurance Rates
Many factors, besides state requirements, go into the calculation of premium rates for Seattle auto insurance. By informing yourself of these factors you can better protect yourself financially in the event of an accident and better find the best rates.
Car insurance can be very intricate and difficult to understand. Because there are so many different types of coverage options and there are differences in the requirements from state to state it is important to be informed the best you can. Many people don't know that premiums and rates can be based on credit ratings.
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.
Washington requires that all drivers have what is called 25/50/10 coverage. This term means that drivers have $25,000 of bodily injury per person and $50,000 for bodily injury in total after an accident. Drivers must also have $10,000 property damage liability coverage to pay for property and vehicle damages.
Someone must always be found at fault in the accident because Washington uses what is called a "tort system." The individual found at fault along with their insurance company will then be responsible for paying damages resulting from the accident.
Personal Injury Protection or uninsured/underinsured motorist coverage are not required by the state regulations. However, since they will protect your property all drivers should contact their insurance providers and ask about adding them to their policy.
Car insurance can be very intricate and difficult to understand. Because there are so many different types of coverage options and there are differences in the requirements from state to state it is important to be informed the best you can. Many people don't know that premiums and rates can be based on credit ratings.
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.
Washington requires that all drivers have what is called 25/50/10 coverage. This term means that drivers have $25,000 of bodily injury per person and $50,000 for bodily injury in total after an accident. Drivers must also have $10,000 property damage liability coverage to pay for property and vehicle damages.
Someone must always be found at fault in the accident because Washington uses what is called a "tort system." The individual found at fault along with their insurance company will then be responsible for paying damages resulting from the accident.
Personal Injury Protection or uninsured/underinsured motorist coverage are not required by the state regulations. However, since they will protect your property all drivers should contact their insurance providers and ask about adding them to their policy.
About the Author:
Steve Turner is a valueable advantage when trying to find the best Seattle auto insurance premiums. Seattle Auto Insurance premiums Steve Turner can give you many tips on how to find the right Seattle auto insurance coverage for you.
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