If you own a car, you need auto insurance. Car insurance helps provide financial protection for you, and your family if you're involved in an accident. It only takes is a few minutes to get a personalized car insurance quote with the best rates, discounts, and options available.
In Washington, it’s against the law to drive without insurance . Washington drivers are required to have at least the following minimum car insurance coverage:
Depending on your budget and your needs, you might want to consider carrying higher limits of liability and other coverages such as Uninsured Motorist and Personal Injury Protection medical. We’ll help you customize your Washington car insurance to get the coverage you want at a price you can afford.
The key to finding a good deal is to get car insurance quotes from multiple companies. An independent insurance agent can do that work for you. We can help you find the companies that have the lowest rates.
Another good savings strategy is to bundle your auto insurance with your homeowners or renters insurance. Getting more than one policy from the same company typically results in a decent discount.
Your car insurance cost will vary depending on several factors that typically include:
You would not buy a car just by calling a handful of car dealerships and ask for the price of the cheapest car on each lot, and then picking the lowest. Why would you do that when you are buying car insurance?. Decide on the coverages you want then request quotes for that exact coverage. Make notes as to what agent is most helpful, not just being an order taker but giving valuable advice for you to consider when choosing coverages. If your requirements change as you talk with the various agents, go back and update the prior quotes.
To best compare car insurance quotes from various companies, make sure each quote contains the same:
Your auto insurance cost will depend on many different factors including the coverage you choose, your age, where you live, and your driving history.
Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Let us help you find the coverage you want at a price you can afford.
Get a free quote to see how much you could save.
Car insurance can help protect you from expensive, sometimes devastating surprises. Imagine you're in an accident, as an insured driver, you can get help paying medical bills, repairs, certain legal defense costs and more.
If you get caught driving without proof of insurance, regardless of the reason you are pulled over, will cost you up to $550 in fines and penalties.
You receive a proof of insurance card from your insurance company either on paper or electronically when you start your car insurance and at every renewal. If you are stopped by the police, you are required to show this proof of insurance card to the officer.
Worse still, if you are involved in an at-fault accident and do not have insurance, you could have your license suspended for up to 3 years, be required to file an SR22 to get your license reinstated, pay for the damages and injuries you caused, and pay the traffic fines.
Appealing your no insurance fine. If you did have insurance in force at the time you got the ticket, you may be able to get the fine reduced to court costs. If you purchased insurance after you got the ticket, most judges are lenient and will reduce the fine substantially.
Washington is not a no-fault insurance state. Washington state is a pure comparative negligence state, meaning that all parties involved in a car accident may share some responsibility when determining compensation for damages. Comparative negligence may allow both the claimant and the plaintiff to recover compensation for damages even if they are partially at fault for the accident.
Washington state requires all drivers all drivers to carry a minimum amount liability insurance to legally drive in the state. You are required by the Financial Liability Law to be able to show proof of financial responsibility if you are driving a vehicle. The easiest way to satisfy these requirements is to purchase auto insurance.
The minimum car insurance required in Washington state is as follows:
Personal Injury Protection and Uninsured Motorist coverages must be offered by the insurance company but the law allows you to reject them by signing a rejection form. Not only must you have insurance, the law requires that any time you are driving in the state, you must be able to show your proof of auto insurance to law enforcement. Failure to show proof of coverage when requested by a police officer is considered an infraction and can result in fines of up to $450.