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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.
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.
When considering purchasing a new auto insurance policy take the time to research what your options are and learn what you can do to save money. Know what insurance requirements need to be met to drive in Washington. The type of your vehicle may affect your premium rates more than your driving record so make an educated auto purchase.
Surveys show that Washington drivers pay higher premiums than most other states. One of the reasons for this is the harsh cold weather found in this region. The roads become icy and dangerous in freezing weather, raising the frequency of vehicle accidents.
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 uses what is called a "tort system" which means that someone must always be found at fault in the accident. After blame is placed, then this person and his or her insurance company are held responsible for paying damages caused by the accident.
Uninsured/underinsured motorist coverage or Personal Injury Protection is not required by Washington insurance regulations. Since these types of coverage will pay for damages to the driver's property, it is a good idea to ask your insurance provider 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.
When considering purchasing a new auto insurance policy take the time to research what your options are and learn what you can do to save money. Know what insurance requirements need to be met to drive in Washington. The type of your vehicle may affect your premium rates more than your driving record so make an educated auto purchase.
Surveys show that Washington drivers pay higher premiums than most other states. One of the reasons for this is the harsh cold weather found in this region. The roads become icy and dangerous in freezing weather, raising the frequency of vehicle accidents.
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 uses what is called a "tort system" which means that someone must always be found at fault in the accident. After blame is placed, then this person and his or her insurance company are held responsible for paying damages caused by the accident.
Uninsured/underinsured motorist coverage or Personal Injury Protection is not required by Washington insurance regulations. Since these types of coverage will pay for damages to the driver's property, it is a good idea to ask your insurance provider about adding them to your policy.
About the Author:
Steve Turner is a wonderful advantage when trying to locate the best Seattle auto insurance premiums. Seattle Auto Insurance premiums Steve Turner can give you numerous tips on how to locate the right Seattle auto insurance coverage for you.
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