Drivers in Washington state pay more than the national average for auto insurance and rates are now climbing. The time to lock in low cost car insurance in Washington (WA) is now, before rates climb even higher. We’ll provide some tips on how to save money on your policy and can connect you with a great discount insurance carrier in your area.
The state of Washington has relatively low minimum car insurance requirements, especially when compared with other states. To drive in the state you must carry bodily injury liability coverage of $25,000 per injured person with up to a total of $50,000 per accident. You also must maintain a policy with a minimum of $10,000 in property damage liability, which pays for damage your vehicle may cause.
If you have assets like a house to protect, or if you drive a newer vehicle, you will want to go beyond the state requited minimum liability coverage levels. Keeping your liability limits low can make it easier to find low cost car insurance in Washington, but it can put you at a great deal of risk. If you get into an accident that causes injuries, the costs can easily exceed the $50,000 that would be covered if you stuck to the state of Washington minimum levels.
In the event of a lawsuit, your assets – including your home – can be seized. Don’t put your financial future at risk – be sure to get enough liability coverage to protect you. Many experts recommend a minimum level of $100,000 per injured person with a $300,000 limit per accident.
With the low state mandated minimums, you would think it would be easier to find low cost car insurance in Washington, but that is not the case. Washington drivers paid an average of $1,858 for automotive insurance in 2009, about one hundred dollars higher than the national average. To make matters worse, the average car insurance premium in Washington state is 14% higher this year than it was last. The time to shop around for a new policy is now, before rates get even higher.
Residents of urban areas like Seattle pay the highest insurance premiums in the state. Urban areas have more congestion and a higher risk of getting into an accident, which is priced into city insurance policies. Drivers living in rural areas and small towns like Almira, Sims Corner, and Withrow will find it easier to obtain low cost car insurance in Washington because areas with fewer people also mean fewer cars on the road and less chance of an accident.
No matter where you live in the state, one of the keys to getting low cost car insurance in Washington is to compare rates among multiple carriers. Dozens of insurers do business in Washington state, so comparing rates among a handful is still just the beginning. This website can help you instantly compare rates with the click of a mouse. Just enter your zip code in the box above and you will be presented with a list of the best discount insurers in your area. Click one or more of the companies presented to start saving on your auto insurance today.