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.
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:
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.
Once you decide how much car insurance you want, you can start shopping for the best policy. Rates can vary widely among companies for the exact same coverage, so be sure to get car insurance quotes from multiple insurers.
Here’s what you should do to find the cheapest car insurance.
Your car insurance cost will vary depending on several factors that typically include:
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.
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.
So, do you really need car insurance? Only if you want to protect your assets and drive legally. Your other option is to get friendly with your local bus or uber driver.
Your insurance rates will be affected by both the seriousness of the traffic ticket you received and how many other tickets you have received in the last 3 years. How much depends upon the infraction’s seriousness and your insurer’s rating criteria in Washington. According to OffTheRecord.com, 2300 traffic tickets are issued in Washington state each day. If you are one of the unlucky, your car insurance rates will most likely go up. Every insurer uses different rating factors but, for example, a speeding ticket will probably raise your rates about 10% and a second one will raise it even more than the first. If the speeding tickets were for more than 15mph over the limit then they will increase your rates even more. And, if your company was giving you a discount for safe driving, you will also lose that discount and see a corresponding increase.
A Driving While Suspended ticket will probably raise your rates by at least 20% and a single accident could raise your rates 25% and cost you your accident-free discount, raising rates another 5-10%. So, the more severe the violation and the number of violations will end up driving your insurance rates higher. What to do if your rates go up because of a ticket? It is time to shop around. If you are insured with an independent agent like Mid-Columbia Insurance, we can do the shopping for you and move you to a different company if they are offering better rates. If you are not insured with us, why not? Call today and let us give you a quote! (509)783-5600
Anyone who regularly drives your vehicle should be added as a driver on your policy so there is no question of coverage should an accident happen. Anyone in your household or who has regular access to your car should also be added since almost every policy requires you disclose them and either add them as a driver or exclude them from coverage.